You Deserve an Advocate,
Not Just an Agent.

At SMA Insurance, our mission is simple: To provide the "Trusted Shield" that protects your business, your family, and your future from the unpredictable.

We Believe Your Hard Work Deserves an Unbreakable Defense.

You’ve spent years building your business, your home, and your legacy. You shouldn't have to stay up at night wondering if a single accident or a hidden "fine print" exclusion will take it all away.

For over 30 years, Steve Meleleu and the team at SMA Insurance have seen what happens when people are left to navigate the complex world of insurance alone. We saw the confusion, the overpaid premiums, and the devastating "coverage gaps" that ruined good businesses.

We decided to do things differently.

Independent for a Reason.

Most insurance agents work for a single big-box corporation. That means their first loyalty is to the company’s bottom line, not yours.

As Independent Agents, our loyalty is to you. We are your advocates in an industry that can often feel faceless. We don't just sell policies; we build relationships. We shop the most trusted carriers in the nation to ensure you get the protection you need at a value that makes sense.

Three Step Promise to You

Listen First

We take the time to understand your specific risks, whether you’re a contractor, a restaurant owner, or a head of a household.

Shop the Market

We use our access to top-rated carriers to find the exact "shield" that fits your life and your budget.

Stand by Your Side

From the first quote to the day you need to file a claim, we are the neighbor you can call to make things right.

Your Success is Our Mission.

When our community is protected, it thrives. We aren't here to hit a sales quota; we’re here to ensure that when disaster strikes, your story doesn't end.

The Success: A community where businesses grow, families are secure, and legacies are passed down to the next generation because they were built on a solid foundation of protection.
The Failure: Letting our neighbors remain exposed to risks they don't even know exist.

Let’s Secure Your Future Together.

You’ve done the hard work of building your life. Let us do the hard work of protecting it.

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.