Business | Spencer Insurance Agency, Inc


You Trust us with Your Auto and Homeowner’s Insurance,

Let us Help You Protect Your Business!


As Independent Insurance Agents, Spencer Insurance Agency represents several top rated insurance companies and can choose the company that has the right insurance package for your needs.  We do the research for you.  Spencer Insurance Agency may not be the lowest or highest price, but you will know you have the proper protection at a very competitive price.


Some of our business clients include. . .


  • Gift shop
  • Law office, doctor’s office, dental office, chiropractor’s office
  • Contractors including electrical, carpenter, dry wall and painter
  • Sign Store, Auto Repair Shop, Funeral Home, and Candy Store
  • Business condo, Apartment building


Some of the coverages we offer business clients. . .

  • Commercial Property
  • Commercial  Liability
  • Commercial Auto
  • Commercial Umbrella Insurance
  • Workman’s Compensation
  • Employment Practice Liability
  • Cyber Liability
  • Professional Liability
  • Director’s & Officer’s Liability
  • Life Insurance
    • Funding Buy-Sell Agreements
    • Key Person Insurance
    • Supplemental Group Life Insurance
    • Disability Insurance
      • Business expense
      • Business continuation planning for key employees
      • Employee Group Disability
      • Business Owner Supplemental Disability Plans.


Protect Your Home-Based Business. . . (PDF)


Did you know…

  • 58% of home-based business owners have not purchased additional insurance for their business.
  • 87% of these home-based business owners did not realize additional insurance was needed.
  • Your Homeowner’s policy excludes liability arising out of the conduct of your business!
  • If you conduct business out of your detached garage at your home it is not covered on your homeowner’s policy (there are a few exceptions).


Request a review and quote today or call us at 215-885-2200.