About Us
Our expert agents understand the needs of individuals, and businesses owners. As a result, we are well-versed in securing quality insurance protection for each unique situation.
We can help you find the coverage you need and deserve. Being a full-service, independent insurance agency, we can help you find the coverage you need and deserve. We work for you, keeping your best interests in mind throughout the entire process – from finding you the right coverage to handling each and every claim with care.
Coverage
CONTRACTORS
We understand that a building project is no small feat. Ensure that as a contractor, you are protected at all times with an appropriate insurance policy, enabling your contracting business and projects to take advantage of the current construction requirements.
REAL-ESTATE/BUILDING OWNERS
Property is a hot topic in today’s society. Protect your properties and business with insurance that safeguards you from risks associated with real estate, including traditional liability insurance exposures, such as slips and falls.
RETAIL STORES/OFFICES & MORE
Retailers face unique risks every day, from theft to regulatory issues to competition within the industry. Spire Risk Insurance can help you find quality general liability, property coverage, crime insurance, umbrella coverage, business interruption insurance, and more!
Services We Offer
GENERAL LIABILITY
General Liability Insurance is the cornerstone of any business owner’s insurance package. General Liability Insurance will provide coverage for bodily injury or property damage, it will also provide coverage for defense costs. All commercial ventures of every type need to be liability conscious. Merely by their...
COMMERCIAL PROPERTY
If you are a property owner, you know how important it is to protect your investment. Both your building and your personal property needs to be protected against the perils of fire, wind, lightning, explosion, smoke, etc. With the proper property insurance coverage, you can rest assured your..
UMBRELLA / EXCESS LIABILITY
Business umbrella policies pick up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage. A policy issued to provide limits in excess of an underlying liability..
PROFESSIONAL / EXECUTIVE LIABILITY
Directors & Officers coverage (often called “D&O”)is paid usually by the firm, it reimburses (in part or in full) the costs resulting from law suits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.
PRODUCTS/COMPLETED OPERATIONS INSURANCE
One of the hazards ordinarily insured by a general liability policy. It encompasses liability arising out of the insured’s products or business operations conducted away from the insured’s premises once those operations have been completed or abandoned. Completed operations liability insurance provides
CYBER LIABILITY INSURANCE
Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Risks of this nature are typically excluded from traditional commercial general liability policies
FLOOD
Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). A flood insurance policy normally takes 30 days from the date of purchase to go into effect. So don’t wait until a flood is imminent to buy a policy. The National Flood Insurance Program is only available in the United States.
BONDS
type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security. There are several types of bonds, and they include: surety, welfare & pension plan, license, construction contract, bid bonds etc.
BOILER & MACHINERY/EQUIPMENT BREAKDOWN
Equipment breakdown covers many types of equipment. It protects electrical systems, air conditioning and refrigeration, mechanical equipment, modern office equipment in addition to heating systems such as boilers. That’s why “Equipment Breakdown Insurance” is a better description than “Boiler and Machinery Insurance.”
WORKERS COMPENSATION
Workers’ comp does pay hospital and medical expenses that are necessary to diagnose and treat your injury. But it also provides disability payments while you are unable to work (typically, about two-thirds of your regular salary), and may pay for rehabilitation, retraining, and other benefits as well. Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.