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Browse business insurance agents serving Spencer, Massachusetts. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 business insurance agents in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
Business insurance agents in Spencer, Massachusetts help local companies find coverage that meets state requirements and protects against common risks. Massachusetts law requires most businesses to carry workers compensation insurance if they have any employees. An agent can explain how general liability, property, and professional liability policies work for your specific business type in Worcester County.
What Does a Business Insurance Agent in Spencer Cost?
Typical costs for a small business insurance policy in Massachusetts range from 500 to 3,000 dollars per year for general liability, and 1,000 to 5,000 dollars for a business owner policy. Workers compensation costs vary by payroll and industry classification. Premiums are influenced by your location in Spencer, your claims history, and the coverage limits you choose. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of business insurance are required in Massachusetts?
Massachusetts requires workers compensation insurance for all businesses with employees. Commercial auto insurance is required if you use vehicles for business. Other coverages like general liability are not legally required but are often demanded by landlords or clients.
How does a business insurance agent in Spencer help with risk management?
An agent reviews your business operations, revenue, and assets to recommend appropriate coverage limits. They can explain how Massachusetts laws affect liability claims and help you avoid gaps in protection. They also assist with policy changes as your business grows.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.