A starting range based on your operation type and scale. Two minutes, no contact info required. Subject to underwriting; not a quote.
The estimate above is a starting range. Your actual quote depends on these eight factors.
Most cannabis GL policies are rated on annual revenue. Larger operations pay more, but not linearly.
Cultivation differs from retail differs from processing. Each has different rate factors and different available carriers.
Mature markets like Michigan and Colorado generally have lower rates than newer-market states. Adult-use vs. medical-only also impacts pricing.
Compliant alarms, cameras, access control, and safe specs can swing your premium 20%+ in either direction. One of the biggest drivers operators control.
Like any commercial line, prior claims raise rates. One theft claim can stay on loss runs for 3–5 years.
Cultivation lighting, HVAC, extraction equipment, and finished product all need scheduling at replacement cost. Under-scheduling looks cheap until claim time.
The estimator gives a starting range based on industry-typical pricing. Your actual quote depends on detailed underwriting including security infrastructure, claims history, and specific operations.
No. This is an estimate for orientation only. Coverage is subject to underwriting and is bound only when confirmed by an authorized Spire representative.
Basic information about your operation type (cultivation, dispensary, processing, or transport) plus annual revenue range. The actual quote will require more detail including security setup, claims history, and equipment values.
Real underwriting considers security infrastructure, claims history, equipment values, exact location, and many other factors not captured in a quick estimate. The actual range can be lower or higher than the estimate depending on these inputs.
If your starting range looks reasonable for what you're paying — or wildly different — a 15-minute conversation with a Spire agent will tell you which.