One Drink Shouldn't Cost You Your Entire Business.

You’re in the business of hospitality and good times. Don’t let a single incident or a "Dram Shop" lawsuit shut your doors forever. We provide the liquor liability shield you need to serve with confidence.

Is Your Business One "Over-Served" Guest Away from a Lawsuit?

Serving alcohol is a high-stakes game. While you do your best to train your staff and monitor your patrons, you can’t control everything that happens once a customer leaves your establishment.

Most hospitality owners face three major pressures:

The Legal Target: In many states, you can be held liable for damages caused by an intoxicated person you served. These "Dram Shop" lawsuits can reach into the millions.
The "General" Trap: Many owners mistakenly believe their General Liability policy covers alcohol-related incidents. Often, it doesn't, leaving a massive hole in your protection.
The Unpredictable Factor: Even the most responsible bar or restaurant can be sued for an accident they didn't directly cause. The cost of defending yourself can be enough to drain your reserves.

You shouldn't have to risk your livelihood just to serve your customers.

We Protect the Places Where People Gather.

At SMA Insurance, we believe that responsible business owners deserve to thrive without constant fear of litigation. For over 30 years, Steve Meleleu and our team have helped the hospitality industry navigate the complexities of specialized insurance.

As independent agents, we don’t answer to the insurance companies—we answer to you. We understand the specific risks of bars, taverns, and restaurants. We shop multiple carriers to find the exact liquor liability limits you need at a premium that keeps your business profitable.

Three Simple Steps to Protecting Your Pour

The Hospitality Audit

We review your venue, your staff training, and your current policies to find where you are exposed.

The Custom Liquor Shield

We shop our network to find a policy that covers everything from assault and battery to specialized Dram Shop protection.

Serve with Peace of Mind

You get back to running your business, knowing that your assets and your reputation are defended.

Keep the Lights On. Keep Your Legacy Safe.

With the right Liquor Liability coverage, your business stays a community staple, not a legal statistic.

The Success: Imagine the peace of mind knowing that even if a guest is involved in an accident after leaving your bar, you have a team of lawyers and a policy ready to handle the claim. Your doors stay open, and your staff stays employed.
The Failure: Without a tailored shield, a single alcohol-related claim could lead to a judgment that forces you to sell your equipment, liquidate your assets, and close your business for good.

Specialized Defense for the Hospitality Industry:

Dram Shop Liability: Protection against lawsuits alleging you served an intoxicated or underage person.
Assault & Battery: Coverage for incidents involving physical altercations on your premises.
Defense Costs: We pay for the legal fees and court costs to defend your business, regardless of fault.
Employee Protection: Security for your staff in the event they are named in a liquor-related lawsuit.
Property Damage: Coverage for damage to your facility or third-party property resulting from a liquor-related incident.

Protect Your Business Before the Next Round.

The risk doesn't go away when the bar closes. 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.