One Lawsuit Shouldn't Cost You a Lifetime of Savings.

You’ve worked too hard for your home, your savings, and your future to lose them in a single catastrophic accident. We provide the "ultimate shield" that kicks in when your other policies reach their limit.

Is Your Financial Future Resting on a Policy That’s Too Short?

Most people believe they are "fully covered" because they have home and auto insurance. But in today’s litigious world, a single multi-car accident or an incident on your property can lead to a judgment that far exceeds standard policy limits.

Most successful individuals face three major risks:

The "Limit" Trap: Your standard policy might stop at $300,000 or $500,000. If you are sued for $1 million, that $500,000 gap comes directly out of your home equity, retirement accounts, and future earnings.
The Target Effect: The more you have, the more you have to lose. If you’re perceived as having assets, you’re more likely to be targeted in a major lawsuit.
The Unforeseen Disaster: From a guest’s injury at your pool to a libel claim or an accident involving your teenage driver, the "unthinkable" happens every day.

You shouldn’t have to risk your entire legacy on a "standard" insurance limit.

We Protect the Big Picture of Your Life.

At SMA Insurance, we believe your hard work deserves a defense that doesn't quit. For over 30 years, Steve Meleleu and our team have helped families and business owners identify the "hidden cliffs" in their protection.

As independent agents, we don’t push one-size-fits-all coverage. We look at your total asset picture and shop multiple carriers to find an Umbrella policy that acts as a financial "safety net" for everything you own—often for less than the cost of a single dinner out per month.

Three Simple Steps to Unshakable Protection

The Gap Audit

We review your current home, auto, and boat policies to see exactly where your protection ends.

The Umbrella Fit

We find a policy that sits on top of your existing coverage, extending your liability protection by millions.

Secure Your Legacy

You live with the confidence that no matter what happens on the road or at home, your family’s wealth is off-limits to lawsuits.

Protect Your Assets. Secure Your Peace of Mind.

With the right Umbrella Insurance shield, you stop worrying about the "worst-case scenario" and start living with total security.

The Success: Imagine the peace of mind knowing that even if a catastrophic event occurs, your legal fees are paid, the judgment is covered, and your home, savings, and children’s college funds remain completely untouched.
The Failure: Without an umbrella, a single major accident could force you to liquidate your assets, lose your home, and spend the rest of your life paying off a debt you can never escape.

The Ultimate Layer of Defense:

Excess Liability: Higher limits that kick in when your auto, home, or boat insurance is exhausted.
Personal Injury Coverage: Protection against claims of libel, slander, or defamation—things standard policies often ignore.
Worldwide Protection: Your umbrella shield follows you and your family anywhere in the world.
Legal Defense Costs: We pay for the high-powered legal team you need to defend your name, even if the lawsuit is groundless.
Teen Driver Security: Provides crucial extra protection for the highest-risk years of your children's driving lives.

Don't Wait for the Storm to Realize Your Umbrella is Too Small.

A million dollars of extra protection is more affordable than you think. Let’s build your shield today.

[Button: Get My Umbrella Quote] Or call 214-342-3109 to speak with a personal wealth protection expert.

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.