Build Your Business Without the Fear of Losing It.

You’ve invested everything into your business. Don’t let one accident or lawsuit take it all away. We provide the liability shield you need so you can focus on your mission.

Every Transaction Carries a Hidden Risk.

As a business owner, you’re constantly moving—closing deals, serving customers, and managing a team. But in today’s world, every interaction is a potential "legal landmine."

Most business owners feel:

Vulnerable: Knowing that one slip-and-fall or a simple mistake could lead to a devastating lawsuit.
Overwhelmed: Looking at complex policies and wondering if they actually cover what matters.
Distracted: Spending more time worrying about "what if" than growing their bottom line.

You shouldn’t have to risk your personal assets just to run your business.

We Work for You, Not the Insurance Companies.

At SMA Insurance, we believe your focus should be on your customers, not your court costs. For over three decades, Steve Meleleu and our team have acted as the "Trusted Shield" for businesses across the community.

Because we are independent agents, we don’t push one specific company's agenda. We compare multiple carriers to find the exact "fit" for your industry, ensuring you never pay for coverage you don’t need while never leaving a gap where it matters most.

Three Simple Steps to Total Peace of Mind

The Risk Assessment

We talk about your business, your team, and your goals to find your unique vulnerabilities.

The Carrier Comparison

We shop our network of top-rated carriers to find the best premiums and protection.

The Shield is Set

You get a tailored policy that protects your assets, your employees, and your future.

What’s at Stake for Your Company?

When you have the right liability coverage, your business operates differently.

The Success: You walk into every meeting with the confidence that your assets are safe. You have the "peace of mind" that if a claim arises, your legal fees and settlements are already covered.
The Failure: Without a tailored plan, you are one accident away from a financial disaster that could close your doors and impact your family's future.

Don't leave your legacy to chance.

Comprehensive Protection for Every Venture:

General Liability: Protection against bodily injury and property damage claims on your premises.
Public Liability: Coverage for accidents involving the public during your operations.
Legal Defense: We cover the costs of lawyers and court fees so you don't have to.
Custom Industry Riders: Specialized coverage for contractors, medical offices, and professional services.

Get the Protection Your Business Deserves.

Stop wondering if you're covered and start knowing you're protected. Let SMA Insurance be your guide to a more secure future.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.