Currently, developments of the so-called Smart-constructions are relevant as they enable a real-time monitoring of changes in required values. Smart designs are widely used in the construction, automotive and aerospace industries. Technologies of creating products from polymer composite materials make it possible to introduce various sensors directly into the structure of a material, thereby create systems monitoring the state of structures. The most recommended for such implementation are fiber-optic sensors, which have a number of advantages over other sensors (luminescent, strain gauge, piezoelectric ones). However, when introducing the fiber-optic sensors, there is a number of difficulties, which are primarily associated with fragility of the optical fiber and lead to the breakdown of fiber-optic lines. As a result, it is necessary to develop a Smart-layer that will protect the optical fiber leads and will not significantly change the physical and mechanical characteristics. This paper aims to determine the stiffness and strength characteristics of samples made of polymer composite materials: reference samples, samples with embedded fiber-optic sensors, samples with embedded Smart-layers. In this work, a Smart-layer is understood as a coating that protects the fiber-optic sensors at the stage of implementation into a structure. The paper considers the following configurations of the Smart-layer: polymer reinforced mesh, polyamide and polyurethane layer. We analyzed and compared the influence of the embedded optical fiber and various configurations of the Smart-layer in the composite structure on the physicomechanical characteristics of the samples obtained under quasi-static loading (tension, compression, and interlayer shear). For a more detailed analysis of using the fiber-optic sensors and various configurations of the Smart-layer, the corresponding loads were simulated to assess their mechanical behavior. Based on the obtained physical and mechanical characteristics, a specific configuration of the Smart-layer was selected and justified for further researches.