Your Fleet Should Drive Growth, Not Financial Ruin.
One accident shouldn't put your entire business at risk. We provide the commercial auto "shield" you need to keep your drivers safe and your assets protected.
Is Your Business One "At-Fault" Accident Away from Bankruptcy?
Whether you have one delivery van or a fleet of service trucks, your vehicles are your biggest daily risk. Most business owners assume their personal auto policy—or a "standard" commercial plan—has them covered.
But then the reality sets in:
The Coverage Gap: You realize your personal policy doesn't cover "business use," leaving you to pay for a crash out of pocket.
The High Stakes: Businesses are targets for lawsuits. Without higher liability limits, a single collision can drain your company’s bank account.
The Employee Risk: You aren’t sure if you’re liable when an employee runs an errand in their own car.
You shouldn’t have to cross your fingers every time a driver hits the road.
We Know the Road Because We’ve Been There.
At SMA Insurance, we believe you deserve to grow your business without looking over your shoulder. For over 30 years, Steve Meleleu and our team have helped Texas business owners identify the "hidden holes" in their auto coverage.
As independent agents, we don't work for the big insurance carriers—we work for you. We compare multiple top-rated providers to build a policy that fits your specific industry, ensuring you have the right limits at the best possible premium.
Three Simple Steps to a Protected Fleet
The Fleet Audit
We review your vehicles, drivers, and how you use them to find where you're vulnerable.
The Custom Shield
We shop the market to find a policy that covers everything from "Hired & Non-Owned Auto" to "High-Limit Liability."
Drive with Confidence
You get back to business knowing that if the worst happens, your company is already protected.
Protect Your Team. Secure Your Bottom Line.
When you partner with SMA Insurance, you stop guessing and start growing.
The Success: Imagine the peace of mind knowing that even if a driver has a major collision, your legal fees, property damage, and medical costs are handled. Your business keeps moving forward.
The Failure: Without the right shield, a single "at-fault" accident could lead to a judgment that wipes out decades of hard work.
Don't leave your company’s future to chance on the highway.
Comprehensive Coverage for Every Mile:
Higher Liability Limits: Protection that reflects the actual assets your business has at risk.
Collision & Comprehensive: Repair or replace your vehicles quickly after a crash, theft, or weather event.
Hired & Non-Owned Auto: Crucial protection for when employees use their personal cars for your business.
Uninsured Motorist: Because you can’t control the insurance status of the other person on the road.
Medical Payments: Ensuring your team is taken care of, regardless of who is at fault.
Stop Worrying About the Road Ahead.
Every mile your team drives without a tailored policy is a risk you don't need to take. Let’s build your shield today.
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. They are fantastic at customizing a policy for your needs. "
- Becki B
"I have used SMA for auto, commercial, & residential coverage for more than 20 years."
"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
"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
Meet the Team
Steve Meleleu
Steve Meleleu, an expert in both commercial and personal insurance, with over 40 years at SMA. Our agency is built on a foundation of trust, integrity, and professional transparency.
Senior Executive
Victor Lauersdorf
Victor translates years of military leadership as a former Chief of Operations into strategic insurance solutions. His expertise in logistics and risk management ensures his clients receive disciplined, data-driven advice.
Commercial Accounts Executive
Maria G.
Maria combines deep policy knowledge with a caring, human-centered approach. Dedicated to efficiency and accuracy, she ensures her clients are supported and protected when they need it most.
Customer Service Representative
Trisha Lynn
Trisha simplifies insurance through education. She specializes in balancing affordability with comprehensive protection, ensuring families achieve financial security and total peace of mind.
Personal Lines Insurance Agent
Frequently Asked Questions
What types of insurance does SMA INS offer?
We help you choose business liability, workers compensation, commercial auto, and other plans that keep your company protected.
How does SMA INS help me pick the right coverage?
We listen to your needs, explain your options in plain language, and guide you to a plan that fits your business.
How does business liability insurance protect my company?
It helps cover costs if someone claims your business caused damage or injury.
What does workers compensation insurance cover?
It helps injured workers get the care they need and protects your business from unexpected costs.
Why do businesses need commercial auto insurance?
It protects your work vehicles and covers accidents that happen while driving for business.
COMPANY
SERVICES
LEGAL
FOLLOW US
400 Chisholm Pl Ste 211, Plano, TX 75075
office: 214.342.3109 | fax: 214.817.0096
Copyright 2026. SMA Insurance Services. All Rights Reserved.