You Focus on the Menu. We’ll Focus on the Risks.

Running a restaurant is challenging enough without worrying about kitchen fires, food spoilage, or customer injuries. We provide a custom "insurance shield" so you can stay focused on providing a great guest experience.

Is Your Life’s Passion One Accident Away from Closing Its Doors?

In the restaurant business, you’re managing a million moving parts. But behind the scenes, invisible risks are waiting to disrupt your service.

Most restaurant owners live with three major anxieties:

The Spoilage Scare: A power outage or a broken freezer can turn thousands of dollars in inventory into a total loss overnight.
The Litigation Threat: In a busy dining room, a spilled drink or a hot plate can lead to a lawsuit that drains your bank account.
The Business Stop: If a fire or disaster hits your kitchen, your income stops instantly, but your rent and bills don’t.

You shouldn’t have to risk your entire investment on the hope that nothing goes wrong.

We Know the Hospitality Business From the Inside Out.

At SMA Insurance, we believe restaurateurs are the heart of our community. You shouldn't be penalized for the inherent risks of your craft. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for diners, cafes, bars, and fine-dining establishments.

As independent agents, we don’t work for one big insurance company. We shop multiple carriers to find the exact "ingredients" your business needs—ensuring you have the right coverage for everything from liquor liability to employee theft at a premium that fits your budget.

Three Simple Steps to a Secure Kitchen

The Recipe Audit

We analyze your specific operations—from your seating capacity to your kitchen equipment—to find where you're exposed.

Custom Shield Build

We shop our network to assemble a policy that covers your property, your people, and your profit.

Serve with Confidence

You get back to the front of the house knowing that if a disaster occurs, your business is built on a solid financial foundation.

Protect Your Brand. Secure Your Future.

With the right Restaurant Insurance, a bad day in the kitchen doesn't have to be your last day in business.

The Success: Imagine the peace of mind knowing that even if a refrigerator fails or a customer is injured, your inventory is replaced, your legal fees are paid, and your income is protected while you recover.
The Failure: Without a tailored plan, a single major claim or a kitchen fire could force you to liquidate your equipment and walk away from the dream you worked so hard to build.

Everything You Need to Keep the Doors Open:

Business Owners Policy (BOP): The essential bundle of property and liability coverage.
Food Spoilage & Contamination: Fast reimbursement for lost inventory due to power outages or equipment failure.
Liquor Liability: Protection for establishments that serve alcohol, defending you against Dram Shop claims.
Business Interruption: We pay your bills and lost profits if a covered event forces you to close temporarily.
Workers’ Comp: Protecting the team that keeps your kitchen running.
Equipment Breakdown: Coverage for stoves, freezers, and HVAC units when they suddenly fail.

Don't Let Your Hard Work Go Up in Smoke.

The best time to secure your restaurant was the day you opened. The second best time is today. 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.