In the recent trunk rev 3381 of fpspreadsheet, TsWorksheet has new methods InsertRow and InsertCol.
One little warning though: Since currently we do not parse formula strings, you have to be aware that cell references in formula strings after the insertion point are not corrected for the new cell addresses. This happens for xlsx and ods files. The formulas in xls files, on the other hand, are internally represented by rpn formulas which are fully updated and still valid.