When it comes to your future and your finances, think smart.

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Smart Financial Inc.

Why work harder when you can think smarter?

Thinking smart. It’s at the core of Smart Financial and our dedication to helping you protect your future and your finances. In fact, we started our insurance agency to help individuals, independent professionals, and business owners like you find insurance solutions.

The meaning behind our name is based on making smarter goals: specific, measurable, achievable, realistic, and anchored within a time frame to evaluate and readjust. We’re here to help guide you in making smarter, informed decisions about your insurance. Because finding affordable coverage that meets your unique needs isn’t hard—with us, it’s easy! Are you ready to get started?

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Your Local Choice for Smart Options

Whether you need assistance with insurance, accounting, or tax services, contact us to get the services you need. We’re licensed in Massachusetts and New Hampshire.

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Why Smart Financial?

We think smarter so you don’t have to work harder. See what we’re all about.

Woman-Led Agency

Owner Carla Alves is proud to bring her expertise to the table when it comes to helping you with your insurance and accounting needs.

Customer Service Comes First

We’re accessible to working with you one-on-one, over the phone, or online in a language you understand. In fact, we speak English, Spanish, and Portuguese.

Quick Quotes, Quality Coverage

We simplify the process of finding insurance so you can make smart, informed decisions to protect your future and your finances.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Accounting Services for Individuals and Business Owners

Here at Smart Financial, we have extensive experience in helping people and businesses with professional accounting services. If you are looking for smart solutions to your financial needs, look no further. Contact us today to get started!

Bookkeeping Services
Tax Preparation
Accounting Services

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What Makes Our Independent Agency Different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.


Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.


Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.


Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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Chelmsford, MA

48 Chelmsford Street, Suite 5B
Chelmsford, MA 01824

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