Welcome to SM Insurance Services
At SM Insurance Services, we are dedicated to providing comprehensive insurance solutions to protect you at every stage of your life. Our team is committed to helping you find the perfect coverage for your needs.
Services
At SM Insurance Services, we believe in protection for every chapter of life. Whether you're buying your first car, starting a family, purchasing a home, planning for retirement, or growing a business, we're here to guide and support you with the right solutions. We offer personalized coverage—life, auto, home, health, and commercial insurance—as well as assistance with Wills and Trusts to help you plan ahead and protect your legacy.
As a bilingual team proudly serving English and Spanish-speaking families in Colorado, we’re committed to providing trusted guidance and peace of mind, every step of the way. No matter where life takes you, we’ll be by your side with protection that grows with you
Personal line
Coverage That Fits Your Life
Homeowners Insurance
Coverage that protects your home, personal belongings, and liability in case of fire, theft, storms, or accidents on your property.
Renters Insurance
Even if you don’t own a home, your belongings matter. Renters insurance covers your personal items and protects you from liability if something goes wrong in your rental unit.
Auto Insurance
Whether it’s your daily commute or weekend road trips, we help you stay protected on the road with the right coverage for your car, truck, or SUV.
.
Business Line
Protecting Your Business with Confidence
- Commercial Auto Insurance
Coverage for vehicles used in your business—. - Workers’ Compensation
Protect your employees and your business with coverage for workplace injuries, lost wages, and medical costs. - General Liability Insurance
Essential protection against accidents, injuries, or property damage related to your business operations. - Inland Marine Insurance
Coverage for tools, equipment, and materials in transit or at temporary job sites—ideal for contractors and mobile businesses. - Event Insurance
Short-term coverage for weddings, corporate events, Farmer Market event, and special occasions—protecting you from unexpected cancellations or liabilities.
Employee Benefits
Offer your team health, dental, vision, and other benefits that show you care and help you attract and retain top talent
Estate Planning
Planning for the future isn’t just about today—it’s about making sure your family is cared for, your wishes are respected, and your legacy lives on.
We help you organize your assets, minimize confusion, and create peace of mind for your loved ones. Whether you have a simple estate or a more complex financial picture, we’ll guide you step by step with compassion and clarity.
- Wills
Clearly outline your wishes, name guardians for your children, and ensure your belongings go to the right people. - Trusts
Create living or irrevocable trusts to protect your assets, avoid probate, and manage your estate efficiently. - Power of Attorney
Appoint someone you trust to make financial or legal decisions if you’re ever unable to do so. - Healthcare Directives
Ensure your medical wishes are honored with advanced healthcare planning. - Legacy & Life Insurance Planning
Use life insurance to transfer wealth, reduce taxes, and leave a meaningful legacy.
Life Insurance
Build Security and Leave a Legacy
Life insurance is more than a policy—it’s peace of mind for you and your family. Whether you’re looking for term or permanent coverage, we help you understand how life insurance can protect your loved ones, eliminate debt, and even build wealth over time.
We also offer
Debt-Free Life solutions, a strategy that helps you use life insurance to pay off your debts faster and build tax-advantaged savings—without changing your lifestyle.
IULs
Mortgage protection
Final Expenses
and more.
Frequently Asked Questions
“I have been a client of SM Insurance Services for years and I couldn't be happier with the service I have received. They have always gone above and beyond to make sure I have the best coverage possible.”
John Doe
Contact us
Have a question or need assistance? Fill out the form below and we'll get back to you as soon as possible.
About us
SM Insurance Services is a locally owned and operated insurance brokerage based in Commerce City, Colorado. Our team of experienced agents is dedicated to helping clients find the best coverage options to protect their assets and loved ones.