It’s Not a Matter of IF You’ll Be Hacked, But WHEN.

A single data breach shouldn't be the end of your business. We provide the cyber "shield" you need to protect your data, your reputation, and your bottom line from invisible threats.

Is Your Business Quietly Waiting for a Digital Disaster?

Most business owners think "it won't happen to me" because they aren't a global corporation. But the reality is that small and mid-sized businesses are the primary targets for cyber criminals today.

You’re currently facing three major threats:

The Financial Hit: With the average cost of a breach rising to $6.5 million, one stolen laptop or a single phishing email can bankrupt a company overnight.
The Reputation Ruin: Once customer data is leaked, the trust you spent years building can vanish in seconds.
The Legal Maze: Between forensic audits, legal reviews, and mandatory notifications, the aftermath of a hack is a logistical nightmare you aren't prepared to navigate.

You shouldn't have to be an IT expert just to keep your business safe.

We Navigate the Digital Minefield So You Don't Have To.

At SMA Insurance, we believe you deserve to operate in a data-reliant world without constant fear. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for businesses navigating new and evolving risks.

As independent agents, we don’t offer a "one-size-fits-all" policy. We dive into your specific risks—from employee errors to malware—and shop the market to find a policy that acts as a financial firewall for your specific industry.

Three Simple Steps to Digital Security

The Vulnerability Scan

We review how you handle data and where your "digital doors" might be left unlocked.

Custom Cyber Shield

We shop our network of top-rated carriers to build a policy that covers everything from data restoration to legal defense.

Focus on Growth

You get back to running your business, knowing that even if a breach occurs, the financial and logistical burden is off your shoulders.

Don't Let a Single Click End Your Story.

When you have the right Cyber Liability coverage, a hack is a manageable incident rather than a business-ending catastrophe.

The Success: Imagine the peace of mind knowing that if your system is breached tonight, you have a team of forensic experts, lawyers, and PR firms already paid for and ready to jump in.
The Failure: Without a plan, you are left to pay millions in recovery costs and legal fees out of your own pocket, likely forcing you to close your doors for good.

Comprehensive Protection for a Connected World:

Data Compromise Protection: Coverage for hacked, stolen, or corrupted employee and customer information.
Forensic Services: We pay for the experts who find out exactly how the breach happened and how to stop it.
Legal Defense & Reviews: Coverage for the lawyers and court costs associated with data privacy lawsuits.
Identity Recovery: Personal help for affected customers, including credit monitoring and case managers.
Business Income Loss: We cover the money you lose while your systems are down during an attack.
Public Relations: We fund the firms that help you communicate with the public and save your brand's reputation.

Protect Your Data Before It’s Too Late.

In today's world, your data is your business. Don't leave it exposed for one more day. 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. 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.