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Find Commercial Insurance Agents Near You in Spencer, MA
Looking for a commercial insurance agent in Spencer? Review the directory below to compare your options.
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 commercial 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
Commercial insurance agents in Spencer Massachusetts help business owners find policies that meet state requirements and protect their operations. Massachusetts law requires businesses with employees to carry workers compensation insurance. A local agent can guide you through general liability, property, and professional liability options tailored to your Spencer business.
What Does a Commercial Insurance Agent in Spencer Cost?
Commercial insurance costs in Massachusetts vary widely by business type, size, location, and claims history. A small retail shop in Spencer might pay 500 to 2,000 dollars per year for general liability. Workers compensation rates are set by the state and depend on payroll and industry classification. A full package policy for a small business often ranges from 1,000 to 5,000 dollars annually. This is general information and 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 commercial insurance do Spencer businesses need?
Common coverages include general liability, property insurance, workers compensation, and commercial auto. Massachusetts requires workers comp for most employers with one or more employees. Your agent can help you assess specific risks for your industry.
How do I choose a commercial insurance agent in Spencer?
Look for an agent licensed in Massachusetts with experience in your industry. Ask about their knowledge of local risks and carrier options. A good agent will review your operations and recommend appropriate coverage limits.
Does Massachusetts have special insurance requirements for small businesses?
Yes. Massachusetts requires workers compensation insurance for all employers with one or more employees. Businesses with vehicles must carry commercial auto insurance meeting state minimum liability limits. Your agent can explain other requirements based on your business type.
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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.