Win More Bids and Build with Total Confidence.

Your reputation is built on the quality of your work. Don’t let one job site accident or a future liability claim tear down everything you’ve constructed. We provide the contractor's "shield" so you can focus on finishing the job.

Is a Hidden Mistake Waiting to Collapse Your Business?

In the trades, the work isn't over just because you've flipped the final switch. You face constant pressure to win bids while managing high-risk environments.

Most contractors face three major anxieties:

The Bid Barrier: You need proof of high-level insurance just to get the job, but the cost feels like it's eating your profit.
The Accident Anxiety: You’re worried that one slip-up by a subcontractor or a tool theft on-site will come out of your own pocket.
The "Ghost" Liability: You worry that a fault found years after a project is finished could lead to a lawsuit that bankrupts you today.

You shouldn't have to carry the weight of every project's risk alone.

We Know the Trades Because We’ve Protected Them for 30 Years.

At SMA Insurance, we believe contractors are the backbone of our community. You shouldn't be penalized for doing the hard work of building. Steve Meleleu and our team of licensed professionals specialize in the unique risks of the construction industry.

As independent agents, we don't work for the insurance companies—we work for you. We compare multiple carriers to find a policy that fits your specific trade, ensuring you have the certificates you need to win bids and the coverage you need to stay in business.

Three Simple Step Blueprint for Protection

The Site Audit

We analyze your specific trade, crew size, and project types to find your "structural" weaknesses.

The Custom Build

We shop the best carriers to assemble a policy that covers your tools, your team, and your finished work.

Work Without Worry

You get your certificates of insurance fast and hit the site knowing your legacy is protected.

Build Your Legacy on Solid Ground.

With SMA Insurance, you stop playing "defense" and start growing your company.

The Success: Imagine walking onto a high-value job site with the exact coverage required to win the contract. You sleep better knowing that even if a pipe bursts or a wall fails years from now, your shield is already in place.
The Failure: Without the right partner, you're one "alleged fault" away from a legal battle that could drain your bank account and stall your growth forever.

Protection for Every Trade and Every Tool:

General Liability: Protection against on-site accidents and third-party injuries.
Completed Operations: Coverage that keeps working for you long after the job is finished.
Tools & Equipment (Inland Marine): Security for your gear, whether it's in the van or on the site.
Workers’ Comp: Protecting the crew that helps you build.
Commercial Auto: Ensuring your trucks and vans are as protected as your projects.
Specialized Coverage for: Plumbers, Electricians, HVAC, Carpenters, Welders, and more.

Don't Let an Uninsured Risk Stop Your Progress.

The best time to secure your business was before you started the project. The second best time is today. Let's build your shield.

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 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.

Commercial Accounts Executive

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

Maria G.

Maria is dedicated to providing exceptional insurance support through a blend of meticulous attention to detail and genuine empathy. She prioritizes responsiveness, ensuring every client feels heard and protected during life’s most uncertain moments.