Stop Worrying About Your Inventory and Start Selling More Cars.

You’ve worked too hard to build your dealership to lose it all to one uncovered claim. We provide tailored insurance that shields your business so you can focus on growth.

Three professionals discussing cars in an auto dealership, showcasing a modern showroom with shiny vehicles and bright lighting.

Is Your Dealership One Disaster Away from Closing Its Doors?

Running an auto dealership is high-stakes. Between fluctuating inventory values, the risk of "false pretense" scams, and the constant threat of hail or theft, the pressure is relentless.

Most dealers feel two things when it came to insurance:

Confusion: You aren’t sure if your "Garage Liability" actually covers a customer’s test drive gone wrong.
Anxiety: You’re worried you’re overpaying for a policy that has "holes" big enough to drive a truck through.

It shouldn't be this hard to protect what you’ve built.

Your Trusted Shield in an Unpredictable Industry.

At SMA Insurance, we understand that an auto dealership isn't just a business—it’s your livelihood. For over 30 years, Steve Meleleu and our team of independent agents have helped dealers navigate the complexities of commercial coverage.

As independent agents, we don’t work for the insurance companies—we work for you. We have access to multiple carriers, which means we don't give you a "one-size-fits-all" policy; we build a shield specifically for your lot.

Three Simple Steps to Total Protection

The Discovery Call

We’ll look at your current lot, staff, and inventory to identify where you're vulnerable.

The Tailored Review

We shop the best carriers to find the exact coverage you need at the best possible premium.

The Shield of Protection

You sign the papers and get back to what you do best. Selling cars. Knowing we have your back.

Protect Your Investment.
Secure Your Future.

When you partner with SMA Insurance, you stop playing "insurance roulette."

Imagine having the peace of mind that even if a hailstorm hits your lot tonight, your business stays profitable.
Imagine knowing that if a "False Pretense" claim arises, your legal fees and losses are already handled.

Without the right partner, you're on your own. Don't let a single accident, a clerical error in a lease, or a theft on the lot end your story.

Everything Your Dealership Needs

Garage Liability: Coverage for the day-to-day risks of your service and sales.
Dealers’ Open Lot: Protection for your entire inventory from fire, theft, and weather.
Errors & Omissions: Protecting you from paperwork mistakes and Truth-in-Lending claims.
False Pretense: Security against fraudulent buyers and title scams.
Workers' Comp: Taking care of the team that keeps your business running.

Don't Leave Your Legacy to Chance.

Every day you operate without a custom-tailored policy is a day you're taking an unnecessary risk. Let’s build your shield today.

Red sports car and white SUV parked outside a modern auto dealership, showcasing vehicle inventory and dealership architecture.

What others are saying

Image illustrating the importance of comprehensive landlord liability insurance, featuring a visual representation of property protection, including detached garages, fences, and sheds, emphasizing security against vandalism and malicious mischief.

"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. They are fantastic at customizing a policy for your needs. "

- Becki B

Five gold stars representing high customer satisfaction and positive reviews for SMA Insurance Services.

Image depicting a smiling older man with glasses, representing customer satisfaction and trust in SMA Insurance Services' landlord liability insurance solutions.

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"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

Professional woman smiling, representing SMA Insurance Services, emphasizing personalized insurance solutions for landlords and small businesses.

"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

Meet the Team

Smiling senior executive in a suit with a yellow pocket square, standing against a brick wall and American flag backdrop, representing SMA Insurance Services and its commitment to trust and integrity in insurance solutions.

Steve Meleleu

Steve Meleleu, an expert in both commercial and personal insurance, with over 40 years at SMA. Our agency is built on a foundation of trust, integrity, and professional transparency.

Senior Executive

Victor Lauersdorf

Victor translates years of military leadership as a former Chief of Operations into strategic insurance solutions. His expertise in logistics and risk management ensures his clients receive disciplined, data-driven advice.

Commercial Accounts Executive

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Maria G.

Maria combines deep policy knowledge with a caring, human-centered approach. Dedicated to efficiency and accuracy, she ensures her clients are supported and protected when they need it most.

Customer Service Representative

Professional woman in a green dress with earrings, smiling, representing SMA Insurance Services and emphasizing a human-centered approach to insurance solutions.

Trisha Lynn

Trisha simplifies insurance through education. She specializes in balancing affordability with comprehensive protection, ensuring families achieve financial security and total peace of mind.