About Scott Simmonds

The “Fee-Only” Unbiased Insurance Consultant

I started my consulting practice with the idea that unbiased insurance advice and information is important to insurance buyers.

Scott Simmonds

I am someone you can call when you have insurance and risk management problems and questions – without the concern that I’m selling something. Think of me as the insurance expert who does not sell insurance.

  • I don’t ever sell insurance.
  • I don’t accept fees, commissions, or gifts from agents and insurers.
  • My advice is not tainted by the entanglements of bonuses or reward payments.
  • My insurance and risk management advice is unbiased.

My clients insist on my independent counsel. I regularly turn down offers of fee-sharing and commissions. When an insurance agent sends me a gift (which happens surprisingly often), I send it back. I don’t even let insurance agents buy me lunch. (I do drink their coffee when I visit their offices – it usually isn’t very good coffee though.)

I guess I was born to be in the insurance business. My dad was an insurance agent in New Hampshire when I was a baby. He then joined an insurance company, and we bounced about the East Coast while I was in school – Massachusetts, Ohio, Georgia, back to Massachusetts. The summer between my freshman and sophomore year in college, I decided it was time to get a job in business. My dad suggested I try an insurance agency. I got a job as an auto claims clerk, and the rest has been thirty plus years in the business – working at five different insurance agencies before starting my consulting practice.

In 2000, I decided that there was a need for an insurance expert who did not sell insurance. I left my job at a small insurance agency, and was allowed by my wife to take over the corner of a basement bedroom. As the business grew so did my office – from a corner to half the bedroom, to taking over the family room. We then built a new house with a large office and a separate “office” entrance – a door that not once was entered by a client.

I have clients in forty-two states. I have been called the largest single insurance buyer in the country. Several years ago I totaled it up – I help my clients with about $50,000,000 in premiums each year.

My formal education includes a degree from Babson College in Wellesley, Massachusetts. In 1987 I earned the Certified Insurance Counselor designation from the Society of CIC. In 1995, I finished the work (ten essay exams given over five years) to qualify for the Chartered Property and Casualty Underwriter designation conferred by the American Institute for CPCU. I earned the Insurance Institute of America’s Associate in Risk Management designation in 2005. In 2007 I was awarded the Certified Management Consultant designation by the Institute of Management Consultants, USA. My insurance work has involved companies in a wide range of industries. I have handled insurance and risk management issues for public and private corporations, including many with international operations. My work includes nonprofits, manufacturers, banks, hotels, property managers, municipalities, and schools.

In 2002, I was accepted as a member of the Society for Advancement of Consulting, an organization made up of only the top 1% of consultants nationwide. In 2004, I was granted “board approved” status, putting me in the top 10% of the top 1% of consultants.

My writing and comments have appeared in the Wall Street Journal, Forbes, Fortune, Money, Inc. Magazine, Smart Money Magazine, the New York Times, Boston Globe, Investors Business Daily, Kiplinger’s, the Los Angeles Times, and countless trade publications.

I make my home in Maine. I enjoy CrossFit. I also like reading, playing with our dogs, and bird watching. My wife and I have five kids and five grandchildren. I’m a past president of the trade association, Maine Association Of Professional Consultants, and of the Biddeford/Saco Rotary Club.

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#3 Son

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The Empress and Me



#2 Son and #1 Granddaughter – Him just back from deployment.



#2 Granddaughter and #1 Dog, Chloe


Best Cartoon Ever


#2 Daughter, Son-In-Law, and #1 Grandson



#1 and #2 Daughters



#1 Son, #3 Son, and Mother-In-Law


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My Mom & Dad



#2 Dog, Klaude


What I Think of as Fun


#2 Grandson (5th Grandchild)