Your Business is More Than a Building. Don’t Let a Disaster Take It Away.

You’ve invested years into your property, equipment, and inventory. We provide the "property shield" you need so a fire, storm, or theft won't end your story.

Is Your Greatest Physical Asset Left Unprotected?

Your business location, your specialized equipment, and your inventory are the lifeblood of your operation. But for many owners, property insurance is a "set it and forget it" item—until something goes wrong.

Most business owners struggle with:

Under-Insurance: Realizing too late that their policy doesn't cover the actual cost of replacing specialized equipment or inventory.
The "Fine Print" Trap: Discovering "exclusions" for common regional risks like hail, wind, or water damage after the damage is done.
Business Stoppage: Fearing that if their building is unusable, their income will dry up while the bills keep coming.

You shouldn’t have to lose sleep every time the weather turns or a security alarm goes off.

We Protect the Walls You Built.

At SMA Insurance, we believe your physical assets deserve more than a generic policy. For over 30 years, Steve Meleleu and our team of expert advisors have helped business owners secure their "foundation" against the unpredictable.

As independent agents, we have the freedom to shop the entire market. We don't settle for "standard" coverage; we find the policy that specifically fits your building, your gear, and your unique risks.

Three Simple Steps to a Secure Foundation

The Asset Audit

We walk through your property and inventory values to ensure you aren't leaving money on the table or risks on the lot.

The Shield Design

We compare top-rated carriers to find a policy that covers everything from your roof to your most sensitive computer systems.

Total Peace of Mind

You get back to work knowing that if disaster strikes, you have the financial support to rebuild and keep going.

Rebuild Faster. Recover Better.

When you have the right commercial property shield, a disaster is just a temporary setback, not a permanent ending.

The Success: Imagine knowing that even if a fire destroyed your facility tonight, you have the coverage to replace every tool, restock every shelf, and pay your bills while you rebuild.
The Failure: Without a tailored plan, a single major event could force you to liquidate your assets or close your doors forever.

Don't let a "one-size-fits-all" policy put your legacy at risk.

Protecting Every Square Inch of Your Business:

Buildings & Structures: Whether you own or lease, we protect the physical space where you do business.
Business Personal Property: Coverage for your furniture, fixtures, equipment, and technology.
Inventory Protection: Security for the products you sell, protecting you from loss due to theft or damage.
Business Interruption: We cover lost income and operating expenses if you’re forced to close due to a covered loss.
Equipment Breakdown: Specialized protection for the machines and systems that keep your business running.

Secure Your Assets. Secure Your Future.

Your business is too important to leave to a basic policy. 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. They are fantastic at customizing a policy for your needs. "

- Becki B

"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

"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

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.

Commercial Accounts Executive

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.

Personal Lines Insurance Agent

Maria G.

Maria is dedicated to providing exceptional insurance support through a blend of meticulous attention to detail and genuine empathy. She prioritizes responsiveness, ensuring every client feels heard and protected during life’s most uncertain moments.