I’m Nelson Kramer, founder of SmartInsured and a dedicated Commercial Risk Manager with a passion for protecting what business owners work so hard to build. After years of working in commercial insurance and seeing how underserved small and mid-sized businesses often were, I launched SmartInsured to change that — one policy, one business, one real relationship at a time.

SmartInsured was built on the idea that business insurance shouldn’t be confusing, slow, or cookie-cutter. From day one, my goal has been to make sure Washington business owners — contractors, apartment managers, restaurant owners, condo boards, and more — get the right coverage, without the overwhelm. I bring both industry expertise and a real understanding of what it means to run a business. Whether you’re protecting your crew, your property, or your bottom line, I’m here to help you make smart, confident decisions about risk.