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Spire is a third-generation insurance agency built to serve cannabis, hemp, pet care, self-storage, and food and beverage businesses — industries that generalist carriers often misunderstand or quietly exclude.
Spire Insurance Solutions was launched to serve a market that traditional insurance carriers had quietly written off: cannabis and hemp, and other specialty industries that generalist insurers either declined or wrote with hidden exclusions.
The founding wasn't from scratch. Spire was built on top of Top O' Michigan Insurance Solutions — a third-generation, family-owned independent insurance agency founded in 1974 and rooted in northern Michigan. The same family. The same operating values. A new specialty focus.
That hybrid lets us deliver something most specialty agencies can't: the carrier relationships and program knowledge of a national specialty firm, with the relationship and accountability of an independent agency that's been writing for the same families for half a century.
Our motto — “National Resources, Locally Sourced” — applies to Spire too.
Headquartered in Traverse City, Michigan, with agents in Detroit and accounts across 16 states, Spire is structured to be the insurance partner that you'd want on your own side of the table.
Spire Insurance Solutions is based in Traverse City and licensed to write specialty commercial insurance in 16 states nationwide. If your business is in an industry generalist carriers misunderstand — cannabis, pet care, self-storage, or food and beverage — here's what sets us apart from a standard local agency.
Most Traverse City insurance agencies write a little of everything — home, auto, life, and whatever commercial business walks in the door. Spire only writes specialty commercial lines, which means our agents carry industry-specific credentials (CIC, CICS, CAWC) and know the underwriting quirks of your business before you explain them.
Pricing depends on your industry, location, and risk profile. See typical cost ranges for cannabis, pet care, self-storage, and food and beverage businesses, or get a tailored estimate.
Use our insurance cost calculatorssee the commercial insurance faqTell us about your business and a licensed Spire agent walks you through coverage options and underwriting — no cookie-cutter policies.
request a commercial quoteHeadquartered in Traverse City and serving northern Michigan in person, with licensed specialty programs in 16 states nationwide: TX, AZ, NV, CO, NE, OK, IL, MN, WI, MI, IN, OH, PA, NC, MA, and ME.
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800-686-8664Last updated October 2026.
Whether you're a cannabis cultivator, a vet clinic, a self-storage operator, or a restaurant — these four commitments apply.
Coverage built for your actual exposure — not a one-size-fits-all template. Specialty endorsements, real schedules, real limits.
From quoting to claims, we represent your interests — not the carrier's. We push back on declines and unclear policy language.
Stay ahead of evolving state regulations, attestations, and licensing requirements with proactive guidance from an agent who tracks them.
We're here long after your policy is in place. As your business grows or shifts, your coverage moves with it through annual reviews.
Spire writes specialty programs for four industries underserved by mainstream carriers. Click through to see the coverages and FAQ for each.
Dispensaries, cultivators, processors, manufacturers, and secure transport operators. Subject to underwriting.
Explore coverage→Veterinarians, groomers, boarders, day care, trainers, and pet retailers. Animal bailee and professional liability included.
Explore coverage→Self-storage facilities, mini-storage, warehousing, and climate-controlled operators — small to multi-site.
Explore coverage→Restaurants, bars, taverns, breweries, food trucks, and event venues. Liquor liability and equipment breakdown included.
Explore coverage→Spire's leadership and account team carries CIC, CICS, and CAWC credentials — specialty designations earned through industry-specific continuing education.
Meet the TeamSchedule 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.