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.

From the blog

Browse our latest articles

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

Third-Generation vs. New Agencies: Why Experience Matters in Specialty Insurance
General

Third-Generation vs. New Agencies: Why Experience Matters in Specialty Insurance

Specialty insurance rewards pattern recognition built over decades. Here's what three generations of claims and renewals actually teaches an agency.

October 28, 2026·5min read
Read article→
Why We Made Our Website Easier to Use
General

Why We Made Our Website Easier to Use

Find your price, your answers, and your coverage fit faster. Here's how we made spireamerica.com easier to use for cannabis, food & beverage, self-storage, and pet services businesses.

October 9, 2026·5min read
Read article→
Why Grand Traverse Wineries and Breweries Need Specialty Liquor Liability Insurance
Food & Beverage

Why Grand Traverse Wineries and Breweries Need Specialty Liquor Liability Insurance

Grand Traverse wineries, breweries, and tasting rooms carry liquor liability risks a standard business policy often excludes. Here's what actually needs covering.

October 7, 2026·5min read
Read article→
What the CLAIM Act Means for Cannabis Businesses: 3 Things to Know
Cannabis & Hemp

What the CLAIM Act Means for Cannabis Businesses: 3 Things to Know

A proposed federal CLAIM Act would shield insurers from federal penalties for covering state-licensed cannabis. Here's what it would and wouldn't change for your business.

October 6, 2026·5min read
Read article→
What Paws for WeCare Taught Us About the Pet-Care Community We Insure
Pet Services

What Paws for WeCare Taught Us About the Pet-Care Community We Insure

Our small-town charity walk in Alpena, Michigan raised $300 for local animal shelters — and reminded us exactly why we specialize in insuring the pet-care industry.

September 27, 2026·4min read
Read article→
Is My Cannabis Insurance Premium Tax-Deductible Under 280E?
Cannabis & Hemp

Is My Cannabis Insurance Premium Tax-Deductible Under 280E?

Mostly no under 280E - but premiums tied to production can flow through COGS, and building coverage held in a separate lessor's-risk LLC can be fully deductible if the separation is real.

September 16, 2026·8min read
Read article→
Does Your Restaurant's Insurance Cover a Foodborne Illness Outbreak? What Summer 2026 Revealed
Food & Beverage

Does Your Restaurant's Insurance Cover a Foodborne Illness Outbreak? What Summer 2026 Revealed

Summer 2026's jalapeño Salmonella and Taco Bell lettuce outbreaks put food safety back in the headlines. If an outbreak hit your restaurant tomorrow, would your policy respond? For many standard BOPs, no.

August 24, 2026·8min read
Read article→
What Texas Hemp Retailers Need to Know About Insurance After the THCA Ban
Cannabis & Hemp

What Texas Hemp Retailers Need to Know About Insurance After the THCA Ban

The rules keep shifting, but one thing you can get ahead of today is your coverage. Here are the three deadlines Texas hemp retailers are searching — and what each means for your insurance.

August 24, 2026·10min read
Read article→
Self-Storage Insurance in Arizona: What It Costs — and How to Make Sure You're Not Overpaying
Self-Storage

Self-Storage Insurance in Arizona: What It Costs — and How to Make Sure You're Not Overpaying

A friendly, plain-English guide for Arizona storage owners — plus a free cost estimator you can run in a couple of minutes, no phone call required.

August 18, 2026·8min read
Read article→
Self-Storage Insurance in Michigan: A Plain-English Guide (with a Free Cost Estimator)
Self-Storage

Self-Storage Insurance in Michigan: A Plain-English Guide (with a Free Cost Estimator)

Friendly, no-jargon coverage guidance for Michigan storage owners — from a specialty agency headquartered right here in Traverse City. Plus a free estimator you can run in a…

August 18, 2026·8min read
Read article→
Selling Your Veterinary Practice? Don't Sign Until You Understand Tail Coverage
Pet Services

Selling Your Veterinary Practice? Don't Sign Until You Understand Tail Coverage

Corporate buyers are consolidating independent veterinary medicine fast. Here's how to protect yourself from the malpractice claims that arrive after the sale closes.

August 11, 2026·8min read
Read article→
When Method Becomes a Claim: Aversive Training Tools, Liability, and Whether Your Professional Coverage Responds
Pet Services

When Method Becomes a Claim: Aversive Training Tools, Liability, and Whether Your Professional Coverage Responds

E-collars, prong collars, and alpha rolls sit at the intersection of methodology, a shifting legal landscape, and the fine print of your liability policy. Here is how those three…

August 11, 2026·8min read
Read article→
Your Credentials Are an Underwriting Signal: How CCPDT, IAABC, and APDT Affect What Insurance You Can Get
Pet Services

Your Credentials Are an Underwriting Signal: How CCPDT, IAABC, and APDT Affect What Insurance You Can Get

Certification isn't just a marketing badge. It quietly determines which insurance markets will write you, on what terms, and at what price. Here's the connection most trainers…

August 11, 2026·7min read
Read article→
Board-and-Train in Your Own Home: The Coverage Gaps Most Trainers Never See Coming
Pet Services

Board-and-Train in Your Own Home: The Coverage Gaps Most Trainers Never See Coming

Bringing a client's dog into your house for two to four weeks creates exposures a homeowners policy was specifically written to exclude. Here's what actually needs to be…

August 11, 2026·8min read
Read article→
Who Are the Best Cannabis Insurers in Colorado?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Colorado?

Who insures cannabis businesses in Colorado? A look at specialty and surplus-lines coverage for dispensaries, cultivators, MIPs and transporters.

July 20, 2026·6min read
Read article→
Who Are the Best Cannabis Insurers in Arizona?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Arizona?

Arizona cannabis is insured through specialty and surplus-lines programs. See who covers dispensaries, grows and transporters, and how to choose.

July 20, 2026·6min read
Read article→
Who Are the Best Cannabis Insurers in Ohio?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Ohio?

Ohio cannabis coverage runs through specialty and surplus-lines programs. See how an independent agency shops those markets for your operation.

July 20, 2026·6min read
Read article→
Who Are the Best Cannabis Insurers in Oklahoma?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Oklahoma?

Cannabis is insured in Oklahoma through specialty and surplus-lines programs. Spire, an independent specialty agency, shops those markets for OK operators.

July 20, 2026·6min read
Read article→
Who Are the Best Cannabis Insurers in Illinois?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Illinois?

Illinois cannabis is insured through specialty surplus-lines programs. See who covers dispensaries, growers, and processors, and how to choose an agency.

July 20, 2026·6min read
Read article→
Mobile Grooming Insurance: The Coverage Questions Nobody Is Asking (But Should Be)
Pet Services

Mobile Grooming Insurance: The Coverage Questions Nobody Is Asking (But Should Be)

Mobile grooming is a different business than a brick-and-mortar salon. Your equipment moves. Your workplace is a vehicle. You're often alone. Your entire revenue stream depends on one van staying operational. The risks that come with that setup require coverage questions that most generic insurance content hasn't caught up to yet. Here are the ones worth understanding before you need them.

July 14, 2026·10min read
Read article→
Top O' Michigan Named Keystone Michigan Partner of the Year

Top O' Michigan Named Keystone Michigan Partner of the Year

Top O' Michigan Insurance Solutions — the sister agency of Spire Insurance Solutions — has been named Keystone Insurers Group's Michigan Partner of the Year, a recognition it first earned in 2019 and is proud to receive again in 2026

June 23, 2026·3min read
Read article→
The Summer Liability Window Is Open — Is Your Food and Beverage Business Ready?
Food & Beverage

The Summer Liability Window Is Open — Is Your Food and Beverage Business Ready?

If you run a restaurant, bar, catering operation, or food truck, you already know summer is your busiest season. What you may not know is that it's also — by a wide margin — your riskiest one from an insurance standpoint. That's not guesswork. The Food Liability Insurance Program (FLIP) released its 2026 Food & Beverage Industry Economic Trends Report with a number that should get any operator's attention: 72% of food and beverage liability claims occur during the summer months. The busy season and the claims season are the same season. That's worth pausing on.

June 23, 2026·5min read
Read article→
What the June 29 Cannabis Hearing Means for Your Business Insurance
Cannabis & Hemp

What the June 29 Cannabis Hearing Means for Your Business Insurance

If you operate a cannabis business — dispensary, cultivation facility, processing operation, or transportation service — June 29, 2026 is a date worth circling. That's when a federal administrative hearing is scheduled to determine whether cannabis rescheduling extends beyond state-licensed medical operations to cover adult-use and recreational cannabis as well. Here's what you need to know, and what it means for your insurance program right now.

June 18, 2026·5min read
Read article→
Selling Your Veterinary Practice? The Tail Coverage Decision That Most Vets Get Wrong
Pet Services

Selling Your Veterinary Practice? The Tail Coverage Decision That Most Vets Get Wrong

If you're an independent practice owner who has received an acquisition inquiry, is exploring a sale, or is within five years of retirement, there is one insurance decision in that transaction that is frequently misunderstood, poorly negotiated, and occasionally devastating in its consequences: Tail coverage.

June 17, 2026·8min read
Read article→
The Hidden Liability Gap in Your Grooming Salon: Independent Contractors, Booth Renters, and Who's Actually Covered When Something Goes Wrong
Pet Services

The Hidden Liability Gap in Your Grooming Salon: Independent Contractors, Booth Renters, and Who's Actually Covered When Something Goes Wrong

If you run a pet grooming salon and you have booth renters or independent contractors working out of your space, there's a liability question you need to answer before you read another word: If one of those contractors injures a dog today, does your insurance respond — or theirs? For most grooming salon owners, the honest answer is: I'm not sure. And that uncertainty is costing some of them everything.

June 12, 2026·8min read
Read article→
Are Bars Overpaying for Liquor Liability Insurance? Here's What the Data Suggests in 2026
Food & Beverage

Are Bars Overpaying for Liquor Liability Insurance? Here's What the Data Suggests in 2026

There's a disconnect happening in the bar and restaurant insurance market that most operators haven't caught onto yet — and it's costing some of them real money. Alcohol consumption in the U.S. has declined measurably over the past several years. A growing share of the population is drinking less or not at all. Bar and restaurant receipts from alcohol sales have dropped as a percentage of total revenue at many establishments. And yet liquor liability insurance premiums haven't followed. In many cases, they've gone up.

June 11, 2026·7min read
Read article→
Is Your Self-Storage Facility Properly Covered? What Operators Need to Know About Liability Insurance
Self-Storage

Is Your Self-Storage Facility Properly Covered? What Operators Need to Know About Liability Insurance

The self-storage industry has spent the last decade in a growth cycle — and the insurance side of the business has quietly gotten more complicated. Rising claims severity, weather-related property losses, digital-first customer interactions, and tightening carrier appetites have changed what a comprehensive self-storage policy needs to look like in 2026.

June 8, 2026·8min read
Read article→
12 Cannabis Insurance Exclusions Every Operator Should Understand Before a Claim Happens
Cannabis & Hemp

12 Cannabis Insurance Exclusions Every Operator Should Understand Before a Claim Happens

Many cannabis insurance policies contain exclusions that operators don't discover until a claim occurs. Learn 12 of the most important coverage gaps to review.

June 8, 2026·7min read
Read article→
Cannabis Companies Sued Over Marketing Claims: What Operators Need to Know About Insurance Coverage
Cannabis & Hemp

Cannabis Companies Sued Over Marketing Claims: What Operators Need to Know About Insurance Coverage

A new cannabis class action lawsuit highlights health hazard exclusions, class action exclusions, and other insurance gaps cannabis operators should understand.

June 8, 2026·5min read
Read article→
Cannabis Rescheduling in 2026: What Operators Need to Know
Cannabis & Hemp

Cannabis Rescheduling in 2026: What Operators Need to Know

DEA Schedule III Registration Is Open for Cannabis Businesses — Here's What Operators Need to Do Before the Deadline

June 1, 2026·4min read
Read article→
The Most Overlooked Risk in Cannabis: Disorganization
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.

May 29, 2026·3min read
Read article→
Why White Labeling Is One of the Riskiest Moves in Cannabis (If You're Not Careful)
Cannabis & Hemp

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

White labeling is the fastest way to launch a cannabis brand, and one of the riskiest if the contract underneath isn't tight. Cannabis attorney Ryan Kocot on the gaps that quietly sink brands.

May 26, 2026·3min read
Read article→
The Ultimate Cannabis Insurance Broker Vetting Checklist
Cannabis & Hemp

The Ultimate Cannabis Insurance Broker Vetting Checklist

Ten questions to ask any cannabis insurance broker before you sign. The pattern of answers tells you whether you're talking to a real specialist or a generalist who happens to write the occasional cannabis policy.

May 13, 2026·5min read
Read article→
Who Are the Best Cannabis Insurers in Michigan?
Cannabis & Hemp

Who Are the Best Cannabis Insurers in Michigan?

Michigan has one of the most mature cannabis markets and the most carrier options. How to evaluate which Michigan cannabis insurer is actually the best fit for your operation — and why “best” doesn't mean cheapest.

April 15, 2026·4min read
Read article→
Is Your Cannabis Business Protected If a Delivery Driver Has an Accident?
Cannabis & Hemp

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

Cannabis delivery isn't standard commercial auto. Who owns the vehicle, who carries the policy, what's covered for cargo and driver, and the four most common gaps cannabis delivery operators have.

March 11, 2026·4min read
Read article→
Why Investor Math and Plant Reality Rarely Match in Cannabis
Cannabis & Hemp

Why Investor Math and Plant Reality Rarely Match in Cannabis

Build systems in cannabis that can flex when reality intervenes.

February 23, 2026·1min read
Read article→
The Hidden Cargo Insurance Gap Costing Cannabis Operators Thousands
Cannabis & Hemp

The Hidden Cargo Insurance Gap Costing Cannabis Operators Thousands

Many cannabis operators carry standard motor truck cargo policies that quietly exclude marijuana — leaving expensive transit losses uncovered. Here's how to spot the gap and close it.

February 16, 2026·5min read
Read article→
Facility Design Mistakes That Quietly Cost Cannabis Operators Thousands
Cannabis & Hemp

Facility Design Mistakes That Quietly Cost Cannabis Operators Thousands

Most cannabis operators don't lose money from one catastrophic failure — they lose it slowly through small structural decisions that compound. Tyler Bartosh and Max Jackson break down how dry room capacity, harvest planning, and design buffers quietly drain margin.

January 14, 2026·4min read
Read article→
What is Cyber Liability?
General

What is Cyber Liability?

Updated January 2026 Does your business have a cyber exposure? YES! Let’s jump right to the point; every business has a need for Cyber Liability. More than ever, we are seeing t...

January 9, 2026·2min read
Read article→
8 Reasons Why Your Cannabis Business Needs Cyber Insurance
Cannabis & Hemp

8 Reasons Why Your Cannabis Business Needs Cyber Insurance

Cannabis operators handle medical info, payment workarounds, METRC data, and POS systems — all high-value breach targets. Eight specific reasons cannabis-specific cyber liability matters.

December 22, 2025·5min read
Read article→
Why Working With Multiple Insurance Agents for Quotes Isn't Helping Your Cannabis Business
Cannabis & Hemp

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

Shopping the same cannabis insurance market with three different agents doesn't get you better quotes — it gets you worse ones. Here's why, and what actually works for getting competitive coverage.

December 10, 2025·4min read
Read article→
The Ultimate Guide to Buying Dispensary Insurance
Cannabis & Hemp

The Ultimate Guide to Buying Dispensary Insurance

Dispensaries have a different mix of risk than cultivators or processors. The eight coverages every dispensary should carry, what each one does, and where the common gaps appear.

November 25, 2025·6min read
Read article→
What Are Gram (Dram) Shop Laws in Michigan — and Do They Apply to Cannabis?
Cannabis & Hemp

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

Michigan's dram shop laws hold bars and restaurants liable for damage caused by intoxicated patrons. Cannabis operators are asking the same question — here's what currently applies, what's evolving, and what dispensaries should do now.

November 11, 2025·5min read
Read article→
The Dangers of Misclassifying Employees on Workers Compensation
General

The Dangers of Misclassifying Employees on Workers Compensation

One of the most common workers’ compensation premium fraud schemes occur when business owners intentionally misclassify their employees as independent contractors or subcontract...

October 28, 2025·3min read
Read article→
You Asked, We Answer – Navigating the Cannabis Insurance Marketplace
Cannabis & Hemp

You Asked, We Answer – Navigating the Cannabis Insurance Marketplace

Michigan CannTech Expo As Michigan continues to evolve in the Cannabis business, hemp, laws, and regulations, you can join thousands of industry professionals to gain informatio...

October 14, 2025·3min read
Read article→
Brian Bartosh on AI: Enhancing Client Communication Without Losing the Personal Touch
Cannabis & Hemp

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

At Spire Insurance Solutions, we’re always looking for ways to improve efficiency while maintaining our commitment to personalized service. Recently, our president, Brian Bartos...

September 23, 2025·2min read
Read article→
How to Choose the Right Insurance Agent for Your Cannabis Business: Your Guide to a Crucial Partnership
Cannabis & Hemp

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

In the rapidly evolving and complex world of cannabis business insurance, your agent is more than just a policy provider – they’re a crucial partner in protecting and growing yo...

September 9, 2025·6min read
Read article→
When a Cannabis Dispensary Collapses Before Opening: Why Builders Risk Insurance Is Non-Negotiable
Cannabis & Hemp

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

The window between groundbreaking and grand opening is exactly when a cannabis dispensary is most exposed — and when standard commercial property coverage doesn't yet apply. Here's why builders risk isn't optional for cannabis buildouts.

August 28, 2025·5min read
Read article→
Not All Contractors Are Bad — And Neither Are Insurance Brokers
General

Not All Contractors Are Bad — And Neither Are Insurance Brokers

The cheapest contractor isn't usually the right one — and neither is the cheapest insurance broker. Here's what good brokers do that bad ones skip, and what to ask before you sign.

August 7, 2025·4min read
Read article→
What to Know When Expanding From Cannabis to Hemp Products: Be Aware of Insurance Gaps
Cannabis & Hemp

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

Hemp is federally legal; cannabis isn't. That difference creates real insurance gaps when an existing cannabis operation adds hemp products. The four most common gaps and how to close them.

August 4, 2025·5min read
Read article→
The Hidden Business Risk You Can't Insure — But You Can Prevent with Better HR
Cannabis & Hemp

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

The most expensive risks in growing companies often aren't fires or theft — they're HR problems that snowball into Workers' Comp, EPLI, and General Liability claims. How a PEO partnership prevents them.

August 4, 2025·4min read
Read article→
The #1 Banking Risk Most Cannabis Owners Overlook (Until It's Too Late)
Cannabis & Hemp

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

Cannabis is mostly cash, and most operators carry crime/fidelity limits sized for retail — not for what's actually in the safe. Here's the gap and how to close it.

July 23, 2025·5min read
Read article→
How Much Does Cannabis Insurance Cost? (And What Drives the Price Up or Down?)
Cannabis & Hemp

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

Cannabis insurance pricing varies more than almost any commercial line. Typical premium ranges by operation type plus the eight cost drivers that move your number up or down.

June 27, 2025·6min read
Read article→
Blazing Trails: Overcoming Insurance Hurdles in the Cannabis Sector
Cannabis & Hemp

Blazing Trails: Overcoming Insurance Hurdles in the Cannabis Sector

The Early Days: A Tale of Innovation and Frustration Fifteen years ago, I encountered a pivotal moment that would shape my entire career trajectory: my first cannabis client. It...

May 29, 2025·4min read
Read article→
Are You Starting a Dispensary? 4 Ways to Improve Cashflow With Your Dispensary Startup
Cannabis & Hemp

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

The #1 mistake dispensary startups make? Overpaying for insurance they don’t need. For most businesses, the importance of cash flow cannot be overstated. Of course, when it come...

May 14, 2025·2min read
Read article→
Starting a Dispensary in Minnesota? 4 Smart Insurance Strategies to Improve Cash Flow
Cannabis & Hemp

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

Minnesota's adult-use market is opening. Four insurance strategies dispensary startups are using to keep capital working through build-out, pre-opening, and the first operational year.

April 3, 2025·6min read
Read article→
Here's How to Find the Right Insurance Partner for Your Cannabis Business Without the Guesswork
General

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

With so many insurance agents claiming to be “cannabis specialists,” how do you know if you’re working with someone who truly understands your business and its unique risks? Her...

March 21, 2025·2min read
Read article→
Why Does My Cannabis Insurance Cost So Much?
Cannabis & Hemp

Why Does My Cannabis Insurance Cost So Much?

Sticker shock? You’re not alone. Many cannabis businesses are wondering why their insurance costs are so sky-high. The answer isn’t simple—but there are ways to take control and...

March 4, 2025·2min read
Read article→
Think You're Insured? 7 Cannabis Insurance Gaps That Could Cost You Big
Cannabis & Hemp

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

Most cannabis operators carry policies that look comprehensive on paper but quietly exclude or underwrite around seven specific gaps. Check your existing coverage against this list.

February 20, 2025·6min read
Read article→
The Ultimate Guide to Buying Cannabis Cultivation Insurance
Cannabis & Hemp

The Ultimate Guide to Buying Cannabis Cultivation Insurance

Cultivators have a fundamentally different risk profile than dispensaries or processors. The seven coverages every cannabis cultivation operation should carry — and the specific gaps in each.

February 5, 2025·6min read
Read article→
Blazing Trails: A Cannabis Insurance Origin Story
General

Blazing Trails: A Cannabis Insurance Origin Story

Cannabis went from federally banned to a multi-billion-dollar legal industry in under two decades. Insurance didn't keep up. The story of why Spire was built and what it means for cannabis operators.

January 6, 2025·4min read
Read article→
Solving Insurance Challenges for Cannabis Grower with Non-LED Lighting
Cannabis & Hemp

Solving Insurance Challenges for Cannabis Grower with Non-LED Lighting

Client: Indoor/Outdoor Grower and Processor What: Cannabis Insurance Marketing Challenges: Securing Property Insurance coverage due to non-LED lighting Solutions: Implement risk...

October 25, 2024·1min read
Read article→
Five Reasons Why Your Business Doesn't Need Insurance (And What Each One Looks Like When It Goes Wrong)
General

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

Sure, you don't need insurance — you also don't need to lock your doors. The five reasons operators give for skipping coverage, and what each one looks like when something actually goes wrong.

September 4, 2024·4min read
Read article→
The Origins of 4/20: A Deep Dive into Cannabis Culture's Favorite Holiday
General

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

Every April 20, cannabis operators see a sales spike. Where did the term actually come from — and what does it mean for your insurance exposure on the busiest day of the year?

April 20, 2023·4min read
Read article→
What Are Michigan's Attestation Forms for Cannabis Businesses?
Cannabis & Hemp

What Are Michigan's Attestation Forms for Cannabis Businesses?

Michigan's CRA requires specific insurance attestation forms for cannabis license applications and renewals. Common mistakes that delay or jeopardize your license — and what your broker should be doing.

July 5, 2022·4min read
Read article→
Was The First American Flag Really Made of Hemp?
General

Was The First American Flag Really Made of Hemp?

The Betsy Ross flag claim is unverifiable. But hemp's role in early American manufacturing — sails, paper, currency, military rope — is unambiguously documented. The full history of hemp in America.

July 4, 2022·4min read
Read article→
Social Engineering Attacks on the Rise- Don’t be a Victim!
General

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

First of all, what is a social engineering attack? Social engineering can be summarized as an act of manipulation, to trick someone into sharing sensitive information or unwilli...

May 26, 2022·5min read
Read article→
Are Your Product Liability Limits Enough?
General

Are Your Product Liability Limits Enough?

Product liability is often the single biggest exposure for cannabis, food and beverage, and pet retailers. How to evaluate whether your limits actually cover the worst case — plus the aggregate-vs-occurrence trap most operators miss.

November 19, 2021·4min read
Read article→
Tips for Finding the Right Cannabis Business Insurance
Cannabis & Hemp

Tips for Finding the Right Cannabis Business Insurance

It is no secret that the cannabis industry is booming! The United States legal cannabis market is projected to double in size to $41.5 billion by 2025 according to a recent New...

June 28, 2021·7min read
Read article→
What Is Social Engineering and What Does It Mean for My Cannabis Business?
Cannabis & Hemp

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

On February 4, 2021, the Michigan Marijuana Regulatory Agency (MRA) issued announced that there had been recent social engineering attacks against MRA licenses. The MRA informed...

February 10, 2021·5min read
Read article→
5 Strategies for Reducing Health Benefits Costs in 2021
General

5 Strategies for Reducing Health Benefits Costs in 2021

Health benefits costs are almost certainly going to rise in 2021. They’ve been trending upward for years—over 50% in the last decade, according to the Kaiser Family Foundation—a...

October 20, 2020·3min read
Read article→
How Can I Save Money on My Business Insurance?
General

How Can I Save Money on My Business Insurance?

Let’s face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your hom...

October 20, 2020·3min read
Read article→
Who’s the Boss After a Loss?
General

Who’s the Boss After a Loss?

Updated January 2026 At Spire Insurance Solutions, our job is simple: when a covered loss occurs, we work to make sure it’s handled fairly and efficiently. That’s why individual...

February 5, 2019·3min read
Read article→
View all articles →

Watch & learn

Insurance, explained — on YouTube

Quick walk-throughs, vertical-specific deep-dives, and the questions our clients ask most. New uploads from the Spire team in plain English.