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.

Subscribe to receive updates and discounts!

Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.

  • Wix Facebook page
  • Instagram
  • LinkedIn Social Icon

© 2015 - Smart Insurance Agency. All rights reserved. Marionville, MO  417-258-2541