What kinds of businesses does Spire Insurance Solutions cover?

Spire is an independent specialty commercial insurance agency for cannabis and hemp operations (dispensaries, cultivators, processors, transportation), pet services (vets, groomers, boarders, day care, trainers, pet retail), self-storage and warehousing facilities, and food and beverage businesses (restaurants, bars, breweries, event venues). All coverage is subject to underwriting.

What states does Spire Insurance Solutions write business in?

Spire is licensed in Texas, Arizona, Nevada, Colorado, Nebraska, Oklahoma, Illinois, Minnesota, Wisconsin, Michigan, Indiana, Ohio, Pennsylvania, North Carolina, Massachusetts, and Maine. Contact a Spire agent to confirm current licensing for your state.

How is Spire different from other commercial insurance agencies?

Spire focuses on a few specialty industries instead of writing for every type of business. Our team has deep underwriting and industry knowledge in cannabis, pet care, self-storage, and food and beverage — sectors that are often underserved by generalist carriers. We are also a Keystone Insurers Group partner agency, which gives us access to a broader carrier roster than a standalone independent agency.

Is Spire affiliated with another insurance agency?

Spire Insurance Solutions and Top O' Michigan Insurance Solutions are sister agencies under Spire America Holdings, Inc. Top O' Michigan serves individuals, families, and small-to-mid-sized businesses primarily in northern Michigan, while Spire focuses on specialty commercial coverage nationally.

How do I file a claim with Spire?

Most claims are reported directly to the insurance carrier so adjusters can be dispatched quickly. If you do not have your carrier's claim line handy, call Spire at 800-686-8664 or email service@thespireteam.com and we will route you to the right place. Spire stays involved as your advocate throughout the claims process.

Where is Spire Insurance Solutions located?

Spire is headquartered at 3183 Logan Valley Rd, Traverse City, Michigan 49684, with a second office at 400 Renaissance Center, Suite 2600, Detroit, Michigan 48243. Phone 800-686-8664. Email service@thespireteam.com.

Who Are the Best Cannabis Insurers in Michigan?

Michigan's cannabis market is one of the largest and most established in the country. The state's specialty insurance carrier panel reflects that maturity — there are multiple programs writing cannabis here that don't exist (or aren't competitive) in newer-market states.

Rather than name specific carriers (carrier appetite changes rapidly), here's how to evaluate which Michigan cannabis insurer is best for your operation.

What “best” actually means in cannabis insurance

Most cannabis operators assume “best” means lowest price. In practice, the best carrier for you depends on five factors:

Operation type fit. Some carriers prefer cultivation; others write retail/dispensary; some are strong on processing/extraction.
Limit availability. Smaller carriers cap coverage limits below what mid-size operators need. Make sure the carrier can actually handle your scale.
Claims handling reputation. Specialty cannabis carriers have wide variance in how they handle claims. Ask your broker for first-hand claims experience with the carrier.
Financial strength rating. A.M. Best A- or better is the standard. Anything lower introduces risk that the carrier can't pay a large claim.
Underwriting flexibility. Some carriers will work with you on security upgrades, SOPs, and risk mitigation in exchange for better terms. Others are rigid.

Michigan-specific considerations

Michigan's regulatory framework (under the CRA — Cannabis Regulatory Agency) creates specific requirements that carriers must coordinate with:

Attestation forms required for licensee insurance
Specific limits required for licensee bonding
State-mandated minimum liability limits for certain license types
METRC track-and-trace integration considerations for product liability

Not every cannabis carrier writes Michigan, and not every carrier that does is competitive. The best carrier for your Michigan cannabis operation is the one whose appetite matches your operation type, scale, and risk profile — and who has a claims track record your broker can vouch for.

How to find out

A specialty cannabis broker who works in Michigan will know the current carrier panel, recent claims experience, and underwriting flexibility for each. Spire is licensed in Michigan and writes both startup and operational cannabis programs across the state. Contact a Spire agent for a current Michigan cannabis market overview.

All coverage is subject to underwriting. No coverage is bound or altered until confirmed by an authorized Spire representative.