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 60 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.

Why do business with Smart Insurance Agency, Inc.?

Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.

When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.

Independent Agent Vs. The Rest

Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:

independent insurance agency

If you’d like to get started with a complimentary quote and/or policy review, we’d be happy to help you any way we can. Simply complete the fields below to get started online in a matter of seconds.

We appreciate the opportunity to help you, and look forward to servicing your insurance needs! Feel free to call us directly if you have more detailed questions.

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Are you ready to save time, aggravation, and money? The team at Smart Insurance Agency, Inc. is here and ready to make the process as painless as possible. We look forward to meeting you!