About Us

Smart Insurance Agency is a firm of proven professionals who are caring and conscientious people; the kind of people you can depend on for excellent insurance service.  With over 75 years of combined insurance and customer service experience, we are staffed with people who are professional, capable, and prepared to help you with all of your insurance needs

We are committed to a high standard of excellence in all that we do, and to establishing firm relationships of mutual trust and service with each of our clients.


Having served Southwest Missouri clients for over 50 years, Smart Insurance Agency was established in 1958 by James A. Smart.  Randal Smart joined his father in the agency in 1976 and partnered with him until Jim’s retirement.  Randy was joined in 2006 by his daughter Lauren (Smart) Layman, bringing a third generation of the family into this thriving, full-service insurance agency.  Smart Insurance now proudly serves more than 2,000 individuals, families, and business entities in and around the Southwest Missouri area. 

As an independent agency, we represent a carefully selected group of financially sound, reputable companies, but we work for you, not for an insurance company. If you have a loss, we work on your side, to ensure you get fair, prompt payment.