Auto InsuranceHome InsuranceBusiness Insurance
Spencer Risk Management
Excellent
399 Water Street, Owen Sound, ON M9A 5I2
Profile last updated: February 20, 2026
Est. 1965 2-5 team members
4.3
Spencer Risk Management, located in Owen Sound, Ontario, is your one-stop shop for all things insurance. We've built our reputation on providing exceptional service, competitive rates, and unbiased advice. As independent brokers, we compare policies from many different insurers to help you find the best deal.
From everyday coverage like auto and home insurance to specialized products for businesses and professionals, our team has the knowledge and connections to get you properly covered.
With over 61 years of experience in the insurance industry, we bring deep expertise and long-standing insurer relationships to every client interaction. Don't settle for the first quote you get. Let Spencer Risk Management shop the market for you and find the insurance you deserve.
Contact Information
Location
399 Water Street
Owen Sound, ON M9A 5I2
Location Map
399 Water Street, Owen Sound, ON M9A 5I2
Get DirectionsInsurance Lines
Home InsuranceTenant InsuranceBusiness Insurance
Specialties
Landlord InsuranceLife InsuranceTravel Insurance
Business Hours
SundayClosed
Monday08:30 - 17:00
Tuesday08:30 - 17:00
Wednesday08:30 - 17:00
Thursday08:30 - 17:00
Friday08:30 - 17:00
SaturdayClosed
Languages
English
Photos
Reviews
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4.3
7 reviews
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S
Simran Anderson
Sep 2025
Recommended by a friend
A friend recommended Spencer Risk Management for home insurance. They delivered on the promise of good rates. Communication could be a bit more proactive.
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B
Brandon Fortin
Jun 2025
Commercial insurance experts
Spencer Risk Management specializes in commercial insurance and it shows. They set up our liability, property, and workers' comp coverage seamlessly.
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N
Nathalie Nguyen
May 2025
Smooth transition
Switching from my old broker to Spencer Risk Management was completely smooth. They handled all the transfers and actually improved my coverage at a lower cost.
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E
Ethan Murray
Apr 2025
Responsive and caring
When my basement flooded, Spencer Risk Management was the first call I made. They walked me through the claims process and followed up regularly. A+ service.
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J
Jean-Pierre Nguyen
Apr 2025
Excellent service
After a car accident, Spencer Risk Management guided me through the entire claims process. I felt supported every step of the way. Cannot recommend them enough.
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D
David O'Brien
Nov 2024
Happy with the savings
Saved about $200 on my auto insurance by switching through Spencer Risk Management. The broker was friendly and professional. Renewal process was smooth.
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G
Genevieve Morin
Jun 2024
Okay but not great
Used Spencer Risk Management for tenant insurance. Price was average, service was fine. Nothing that really stood out compared to other brokers I've used.
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