Your Expertise is Your Business. Don’t Let One Oversight Take It Down.

You strive for perfection, but you’re still human. We provide the "professional shield" you need so a simple mistake or a missed deadline doesn’t cost you everything you’ve built.

Professionals in a meeting showing stress and concern over documents, highlighting the risks of errors and omissions in their work.

Even the Best Professionals Can Face a Devastating Lawsuit.

In your industry, your reputation is everything. You provide advice, designs, or services that people rely on. But even if you do everything right, you are still at risk.

Most professionals face three main fears:

The "Human Factor": Even with decades of experience, a trainee’s clerical error or a simple proofreading mistake can lead to a client's financial loss.
The Coverage Gap: Many owners wrongly assume "General Liability" covers them, only to find out it only applies to physical accidents—not professional mistakes.
The Unfair Accusation: In a litigious world, you can be sued even if you did nothing wrong. The cost of defending your name can be enough to bankrupt a small firm.

You shouldn't have to risk your livelihood on the hope that everything goes perfectly 100% of the time.

We Protect the Advice and Services You Provide.

At SMA Insurance, we believe that one mistake shouldn't define your career. For over 30 years, Steve Meleleu and our team have acted as the "Trusted Shield" for professionals ranging from architects to wedding planners.

As independent agents, we understand that a real estate agent's risks are vastly different from an accountant's. We don't give you a generic policy; we shop multiple top-rated carriers to find the specific E&O coverage that fits your unique field and budget.

Three Simple Steps to Professional Peace of Mind

The Professional Audit

We look at your contracts, your services, and your team to see where a "human error" could hurt you most.

The Tailored Shield

We shop our network to find a policy that covers your specific industry requirements and past work.

Focus on Your Clients

You get back to work with the confidence that if a client claims a mistake was made, you have a team of experts ready to defend you.

Defend Your Name. Secure Your Future.

When you have the right E&O insurance, you stop playing "defense" and start growing your firm with confidence.

The Success: Imagine knowing that even if a client sues for a "missed deadline" or "bad advice," your legal fees, court costs, and settlements are already covered. Your cash flow stays steady, and your business stays open.
The Failure: Without this shield, a single lawsuit—even a frivolous one—could force you to liquidate your assets just to pay for a legal defense.

Specialized Protection for Your Industry:

Professional Negligence: Protection against claims of inadequate work or "bad advice."
Clerical & Proofreading Errors: Coverage for the simple mistakes that lead to client financial loss.
Legal Defense Costs: We pay for the lawyers and court fees to defend your reputation, even if the claim is baseless.
Breach of Contract: Security if a project is delayed or fails to meet the promised outcome.
Past Work Coverage: Many policies can be back-dated to cover work you completed before you were even insured.

Protect Your Legacy Today.

Your reputation took years to build but only one mistake to damage. Let's make sure you're protected.

Business professionals arguing with scattered documents in a chaotic office setting, illustrating the stress of contract disputes related to Errors and Omissions insurance.

What others are saying

Image illustrating the importance of comprehensive landlord liability insurance, featuring a visual representation of property protection, including detached garages, fences, and sheds, emphasizing security against vandalism and malicious mischief.

"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

Five gold stars representing high customer satisfaction and positive reviews for SMA Insurance Services.

Image depicting a smiling older man with glasses, representing customer satisfaction and trust in SMA Insurance Services' landlord liability insurance solutions.

"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

Professional woman smiling, representing SMA Insurance Services, emphasizing personalized insurance solutions for landlords and small businesses.

"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

Smiling senior executive in a suit with a yellow pocket square, standing against a brick wall and American flag backdrop, representing SMA Insurance Services and its commitment to trust and integrity in insurance solutions.

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

Smiling woman with arms crossed, wearing a white sweater with black accents, representing customer service expertise in insurance at SMA Insurance Services.

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

Professional woman in a green dress with earrings, smiling, representing SMA Insurance Services and emphasizing a human-centered approach to insurance solutions.

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.