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.

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.

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.