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.

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.

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.