Worker's Compensation
Your employees are your biggest asset. Worker's Comp protects your business and your people when workplace injuries happen, so you stay compliant and covered.
For Small Businesses
Philadelphia, PA · Serving Brazilian-American Families & Small Businesses
Protecting what matters, with guidance you can trust.
Insurance doesn't have to be complicated. We make it simple, personal, and built around your life and your business.
Trilingual ServiceEnglish · Português · Español
What We Cover
Coverage for every chapter of your life.
From your first car to your growing business, we find the right protection for where you are today.
General Liability
Whether you're a contractor, cleaner, or consultant, a single claim can cost more than your annual revenue. General Liability keeps your business standing.
For Small Businesses
Vehicle Registration
Registration without the headache. We handle the paperwork for your car, truck, or commercial vehicle. In English, Portuguese or Spanish, at your convenience.
For Individuals & Families
Motorcycle & Jet Ski
Ride and splash with confidence. We arrange tailored coverage for motorcycles, jet skis, and recreational vehicles. Your weekends get the same protection as your weekdays.
For Individuals & Families
Passport Services
Planning to travel? We guide you through the passport application and renewal process. Step by step, in your language, on your schedule.
Documentation Services
Insurance Consulting
Not sure what you need? Start here. We sit down with you, review your current situation, and map out the coverage that actually makes sense for your life and budget.
Free Consultation
Not sure which coverage you need? We'll help you figure it out.
Talk to Our Team
About StartSmart
A trusted advisor, not just a broker.
StartSmart Insurance & Consulting was built for people who deserve a real conversation, not a sales pitch. We believe that the right insurance coverage starts with understanding your life, your work, and what you're trying to protect.
Founded and led by Fernanda Maranhão, StartSmart serves individuals, families, and small businesses across the Philadelphia area. We pay special attention to the Brazilian-American community, which often navigates a new country, a new language, and a new set of risks at the same time.
We speak your language, literally. We provide full service in English, Portuguese and Spanish, so nothing gets lost in translation when it matters most.
"The cheapest insurance isn't always the least expensive choice."
Philadelphia, PABased here
Three languagesEnglish, Português, Español
Free consultationsAlways available
PA Insurance DepartmentResident Producer Agency · Licence 1272935Property and Casualty lines of authority
Pennsylvania LLCEntity 0014775686Registered with the PA Department of State
City of PhiladelphiaCommercial Activity Licence 0988211Licences & Inspections
Simple Process
Three steps to the right coverage.
No jargon. No pressure. Just a clear path to protecting what matters.
STEP 01
Tell us about your situation.
We start with a conversation in English, Portuguese or Spanish, so we understand your life, your business, and what you actually need. No forms to fill out before we talk.
STEP 02
We find the right coverage.
Based on your situation, we compare options, explain the differences in plain language, and recommend what makes sense, never what pays us the most commission.
STEP 03
You're protected. We stay close.
Once you're covered, we don't disappear. As your life changes, we review your coverage and adjust it. A new employee, a new vehicle, a new chapter.
Client Reviews
What people say after working with us.
Real reviews, left publicly on our Google Business Profile.
“Excelente trabalho prestado pela Fernanda. Muito atenciosa e prestativa naquilo que faz. Sem dúvida alguma recomendo seus trabalhos. Sempre que precisei fui muito bem atendido.”Translated from PortugueseExcellent work from Fernanda. Very attentive and helpful in what she does. I recommend her work without a doubt. Whenever I needed her, I was very well looked after.
“Tem um bom atendimento. Avaliação de preço: Ótimo preço.”Translated from PortugueseGood service. Price rating: great price.
Common Questions
The four things people ask us most.
Straight answers, before you ever pick up the phone.
01Isn't insurance expensive?
It depends on what you compare it to. Most owners look at the monthly premium and stop there. The number that actually matters is what a single claim would cost you without the policy. That comparison is the first thing we walk you through, before you decide anything.
02My business is small. Do I really need coverage?
The day you hire your first employee, your responsibilities change, whatever the size of your company. Worker's Comp isn't about how big you are; it's about who is standing on your job site. Smaller operations are often the least able to absorb a claim, which is why coverage matters more, not less.
03What if I never need it?
That's the outcome we want for you. A policy you never claim on isn't wasted money. It's the reason a bad week stays a bad week instead of becoming a bad year. And if your situation changes and a coverage no longer fits, we'll tell you. Reviewing down is part of the job too.
04Can I just deal with this later?
You can, but "later" usually arrives as a renewal notice, a new contract requirement, or a claim. Each of those is a worse moment to be learning what your policy does and doesn't cover. A review is one short conversation and costs nothing. Doing it now keeps the decision yours, on your schedule.
Find Us
We're in Northeast Philadelphia.
Come by the office, or start the conversation from wherever you are.
StartSmart Insurance & Consulting
8253 Bustleton Avenue, Suite 201Philadelphia, PA 19152United States
