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.

Resources

Education Hub

Insurance guides, industry updates, and practical resources written for the industries we serve.

Plain-English answers to commercial insurance questions

Cannabis insurance is different from pet care insurance, which is different from self-storage. Our Education Hub is where we publish our team’s writing on the underwriting realities, regulatory shifts, and coverage gaps that matter to our clients’ industries.

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Plain-English coverage guides, regulatory shifts, and the underwriting realities of the industries we serve.

Cannabis & Hemp

The Most Overlooked Risk in Cannabis: Disorganization

Most cannabis operators worry about lawsuits and compliance violations. Cannabis attorney Ryan Kocot says the bigger underlying risk is disorganization, and explains how it makes claims and disputes worse.

Education Hub

Plain-English answers to commercial insurance questions

Browse our latest articles

The Most Overlooked Risk in Cannabis: Disorganization

Why White Labeling Is One of the Riskiest Moves in Cannabis (If You're Not Careful)

The Ultimate Cannabis Insurance Broker Vetting Checklist

Who Are the Best Cannabis Insurers in Michigan?

Is Your Cannabis Business Protected If a Delivery Driver Has an Accident?

Why Investor Math and Plant Reality Rarely Match in Cannabis

The Hidden Cargo Insurance Gap Costing Cannabis Operators Thousands

Facility Design Mistakes That Quietly Cost Cannabis Operators Thousands

What is Cyber Liability?

8 Reasons Why Your Cannabis Business Needs Cyber Insurance

Why Working With Multiple Insurance Agents for Quotes Isn't Helping Your Cannabis Business

The Ultimate Guide to Buying Dispensary Insurance

What Are Gram (Dram) Shop Laws in Michigan — and Do They Apply to Cannabis?

The Dangers of Misclassifying Employees on Workers Compensation

You Asked, We Answer – Navigating the Cannabis Insurance Marketplace

Brian Bartosh on AI: Enhancing Client Communication Without Losing the Personal Touch

How to Choose the Right Insurance Agent for Your Cannabis Business: Your Guide to a Crucial Partnership

When a Cannabis Dispensary Collapses Before Opening: Why Builders Risk Insurance Is Non-Negotiable

Not All Contractors Are Bad — And Neither Are Insurance Brokers

What to Know When Expanding From Cannabis to Hemp Products: Be Aware of Insurance Gaps

The Hidden Business Risk You Can't Insure — But You Can Prevent with Better HR

The #1 Banking Risk Most Cannabis Owners Overlook (Until It's Too Late)

How Much Does Cannabis Insurance Cost? (And What Drives the Price Up or Down?)

Blazing Trails: Overcoming Insurance Hurdles in the Cannabis Sector

Are You Starting a Dispensary? 4 Ways to Improve Cashflow With Your Dispensary Startup

Starting a Dispensary in Minnesota? 4 Smart Insurance Strategies to Improve Cash Flow

Here's How to Find the Right Insurance Partner for Your Cannabis Business Without the Guesswork

Why Does My Cannabis Insurance Cost So Much?

Think You're Insured? 7 Cannabis Insurance Gaps That Could Cost You Big

The Ultimate Guide to Buying Cannabis Cultivation Insurance

Blazing Trails: A Cannabis Insurance Origin Story

Solving Insurance Challenges for Cannabis Grower with Non-LED Lighting

Five Reasons Why Your Business Doesn't Need Insurance (And What Each One Looks Like When It Goes Wrong)

The Origins of 4/20: A Deep Dive into Cannabis Culture's Favorite Holiday

What Are Michigan's Attestation Forms for Cannabis Businesses?

Was The First American Flag Really Made of Hemp?

Social Engineering Attacks on the Rise- Don’t be a Victim!

Are Your Product Liability Limits Enough?

Tips for Finding the Right Cannabis Business Insurance

What Is Social Engineering and What Does It Mean for My Cannabis Business?

5 Strategies for Reducing Health Benefits Costs in 2021

How Can I Save Money on My Business Insurance?

Who’s the Boss After a Loss?

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