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.

What Are Michigan's Attestation Forms for Cannabis Businesses?

If you're applying for or holding a Michigan cannabis license, the Cannabis Regulatory Agency (CRA) requires specific attestation forms confirming your insurance coverage meets the state's minimum requirements. Get these wrong, and your license application stalls or your operating license is at risk.

What are attestation forms?

An attestation form is a state-required document where your insurance broker (or an authorized representative) confirms that your insurance policy meets the specific requirements set by the CRA. Michigan requires these for several license types and renewal cycles.

Typical required attestations cover:

General liability minimum limits
Products liability for licensees that handle product
Workers' compensation per state law
Property coverage tied to the licensed location
Specific endorsements (Schedule I coverage, named insured matching the license)

Common mistakes

1. Submitting the wrong form version

The CRA periodically updates form versions. Submitting an outdated form delays processing.

2. Limit shortfalls

Michigan minimum limits change. A policy that met the requirement last year may fall short this year. Check current limits before each renewal.

3. Naming mismatches

The named insured on the policy must exactly match the license holder. A common-name mismatch (Jane Smith LLC vs Jane Smith dba) triggers rejection.

4. Wrong endorsements

Generic commercial policies may meet limit minimums but lack the cannabis-specific endorsements (Schedule I confirmation, ingestibles coverage where required) the CRA looks for.

What your broker should do

Track the current attestation form version
Confirm your policy meets all current Michigan CRA requirements
Complete and sign the attestation form within the renewal window
Provide you with a copy for your records

If your current broker isn't proactively handling this, your license is exposed. A specialty Michigan cannabis broker should treat the attestation as standard renewal work, not as an extra ask. Spire is licensed in Michigan and handles cannabis attestations as part of standard renewal service.

Requirements may change. Confirm current CRA requirements with your broker. All coverage is subject to underwriting.