Your Team is Your Greatest Asset. Don’t Let One Accident Become Your Greatest Liability.

Workplace injuries shouldn't have to mean the end of your business. We provide the Workers’ Comp "shield" you need to protect your employees and your bottom line, so you can focus on building your legacy.

Is Your Business One "Slip-and-Fall" Away from Financial Ruin?

You pride yourself on running a safe operation, but accidents are an unavoidable part of doing business. When an injury happens, the pressure is immediate and overwhelming.

Most business owners face three major fears:

The Lawsuit Threat: Without proper coverage, a single injured employee can sue your business for medical costs and negligence, putting your personal assets on the line.
The Regulatory Hammer: Most states mandate Workers' Comp. Operating without it isn't just a risk—it’s a legal disaster waiting to happen, often resulting in massive fines or even shut-down orders.
The Loss of Momentum: When an employee is out, your productivity drops. Without a plan to get them back to work, the damage to your business operations can be permanent.

You shouldn’t have to pay for a workplace accident out of your business checking account.

We Protect the People Who Make Your Business Run.

At SMA Insurance, we believe that taking care of your team is the best way to take care of your business. For over 30 years, Steve Meleleu and our team have helped business owners navigate the "Grand Bargain" of Workers' Comp: you protect your employees, and the law protects you.

As independent agents, we don’t work for the big insurance carriers—we work for you. We compare multiple top-rated providers to find a policy that fits your specific industry codes, ensuring you never overpay for coverage while never leaving your team exposed.

Three Simple Steps to a Protected Workforce

The Safety Audit

We review your industry, your payroll, and your safety record to find the most accurate (and affordable) classification for your team.

The Custom Workers’ Shield

We shop the market for a policy that covers medical bills, lost wages, and legal defense costs.

Lead with Confidence

You get back to growing your business, knowing that if the worst happens, your "airbag" is ready to deploy.

Build a Safe Culture. Secure Your Future.

When you have the right Workers' Compensation shield, your business operates with a different level of security.

The Success: Imagine the peace of mind knowing that if an employee is injured, they get the medical care they need, a portion of their wages is covered, and your business is legally immune from a negligence lawsuit. Your team feels valued, and your doors stay open.
The Failure: Without a tailored plan, a single accident could lead to a court finding your company liable, forcing you to drain your reserves or close your business to pay for medical settlements.

Essential Protection for Your Most Valuable Resource:

Medical Expenses: Coverage for hospital visits, surgeries, and prescriptions for injured workers.
Lost Wages: We pay a portion of the employee’s salary while they recover, reducing the financial strain on them and you.
Employer Liability: This is your legal shield—it protects you if an employee tries to sue you for workplace negligence.
Ongoing Care & Rehab: We cover the physical therapy and rehabilitation needed to get your team back to work as fast as possible.
Survivor Benefits: In the most tragic cases, we provide financial support to the families of deceased workers.

Don't Let Your Business Be Vulnerable for Another Day.

The law requires it, your employees deserve it, and your business depends on it. 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.