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. 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.