Specialty Commercial Insurance
Most agencies aren't built for the businesses we serve — we are. From cannabis and pet care to self-storage and hospitality, we know your operations, your carriers, and the coverage details generalists miss.
Who we serve
Spire is a specialty agency built around four core verticals — each with carriers, programs, and underwriting that fit how those businesses actually operate.
From cultivation and processing to dispensary operations and transport — coverage built for every link in the cannabis supply chain.
Explore cannabis coverage →
Veterinary clinics, groomers, boarding, daycare, retailers — programs designed around how pet businesses actually operate.
Explore pet Services coverage →
Storage facilities, climate-controlled, vehicle and boat storage — including operator coverages and tenant programs.
Explore self-storage coverage →
Restaurants, bars, breweries, food trucks, event venues — tailored coverage for hospitality's high-risk realities.
Explore food & bev coverage →
Why Spire
We're a specialty agency, not a generalist. That difference shows up in how we underwrite, how we communicate, and who picks up the phone when you call.
1
We know the carriers, the programs, and the operational details — because we've placed accounts in your industry many times before. No learning curve on your dime.
2
Quoting, binding, certificates, and renewals run on modern systems. Your time is part of the cost of doing business.
3
When you call, you reach a real person who can hep with your account. Not a queue.
Client Stories
Real businesses, real coverage outcomes — in their own words.
Reviews
Unfiltered Google reviews from clients across our four verticals — collected and displayed automatically.
Coverages at a glance
Most accounts mix several of these. Your agent will recommend the right combination based on your operations, exposures, and state requirements.
Bundled property + liability foundation for small to mid-sized businesses.
Required in nearly every state. We navigate the markets that fit your industry.
Owned, leased, and operated vehicles — including specialty transport exposures.
Third-party liability — the foundation under almost every commercial program.
Buildings, equipment, inventory, and fixtures protected against covered perils.
Breach response, regulatory defense, and digital business interruption.
Personal asset protection for the people running the business.
Discrimination, wrongful termination, harassment, and related employment exposures.
Construction projects — materials, equipment, and structures during the build.
All coverages are subject to underwriting, policy terms, and carrier availability. Insurance coverage is not bound or altered until you receive confirmation from an authorized representative.
Stay current on the regulations, risks, and trends shaping your industry.
Where we operate
Spire is licensed and writing in the states below — headquartered in northern Michigan with a Detroit presence.
.png)
Licensed states
TX
AZ
NV
CO
NE
OK
IL
MN
WI
MI
IN
OH
PA
NC
MA
ME
Adding new states regularly. Don't see yours? Ask anyway — we may have an answer for you.
Our offices
Traverse City — HQ
3183 Logan Valley Rd, Traverse City, MI 49684
Detroit
400 Renaissance Center Suite 2600, Detroit, MI 48243
Get started
Schedule a quick call with a Spire agent. We'll learn your operations and walk you through what coverage looks like for businesses like yours — with no pressure to bind.
