Business Insurance Made Simple

Running a business comes with risks, but understanding your insurance doesn’t have to be one of them. At Spire Insurance Solutions, we help business owners like you get the right protection without the hassle. 

Key Factors When Buying Insurance

Not All Policies Are Created Equal

Different insurance policies offer varying levels of protection. Carefully review the details to ensure that your policy adequately covers the specific risks and needs of your business.

Know What's Not Covered

Be aware of any exclusions or limitations in your policy. Understanding what’s not covered helps you avoid surprises and ensures you have the right supplementary coverage if needed.

Meet Legal & Industry Standards

Ensure your insurance meets all local, state, and industry-specific regulations. Compliance helps avoid legal issues and ensures that your business is fully protected according to applicable laws.

Work with a Qualified Agent

Choose an insurance agent with expertise and a strong track record. A qualified agent will provide valuable guidance, help tailor your coverage to your needs, and assist with any questions throughout the process.

What Types Of Business Insurance Coverages Do I Need?

Choosing the right insurance for your business can protect against a wide range of risks. Here are some of the key coverages we offer, each tailored to safeguard your operations.

Business Owners Policy

A business owner policy (BOP) combines property, liability, and business interruption insurance into one package, offering essential protection for business owners.

Workers’ Compensation

Workers comp covers medical expenses and lost wages for employees who are injured on the job, ensuring compliance and peace of mind.

Commercial Auto

Commercial auto insurance protects your company’s vehicles and drivers from accidents, liability, and damage while conducting business.

General Liability

General liability provides coverage for accidents, property damage, and legal fees that may arise from third-party claims.

Property Coverage

Property insurance covers physical assets like buildings, equipment, and inventory from damage caused by fire, theft, or natural disasters.

Cyber Liability

Cyber liability insurance helps cover the costs of data breaches, cyberattacks, and the legal liabilities related to compromised information.

Directors & Officers (D&O)

D&O insurance protects your executives from personal liability if claims are made against them for decisions made on behalf of the business.

Employment Practices Liability

Employment practices liability insurance covers your business against claims of wrongful termination, discrimination, or harassment from employees.

Builders Risk

Builders risk covers property and materials during construction, protecting against damage from events like fire, theft, or weather-related incidents.

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Client Testimonials

"Tyler Bartosh at Spire Insurance Solutions provided quality, timely, and essential services to our Startup Cannabis business. We look forward to working with him in the future and consider him a friend and ally in our industry."
-John Jones
"They are always professional and handle my cases professionally and friendly. They have all the information and guided us through compliance in the cannabis space. Their services and expertise is something that is very much needed in the industry!!"
-Kevin Currier

Business
Auto

Worker's
Compensation

General Liability

Employee Benefits

Cyber
Insurance

SURETY
BONDS

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Before purchasing insurance for your business, there are several factors you should consider. Feeling overwhelmed? We’ve got you covered. Get the essential information in our insurance blog.

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