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The Hidden Cargo Insurance Gap Costing Cannabis Operators Thousands (And How to Fix It)
As the cannabis industry expands, so does the complexity of its risk. One of the emerging issues is cannabis motor truck cargo, which involves unique exposures and liabilities. One of the most alarming trends we continue to uncover at Spire Insurance Solutions is this: Most cannabis transporters — and even
Facility Design Mistakes That Quietly Cost Cannabis Operators Thousands
Most cannabis operators don’t lose money because of one catastrophic failure. They lose it slowly — through small, structural decisions that compound over time. One of the most common examples? Dry room capacity. In a recent conversation between Tyler Bartosh of Spire Insurance Solutions and Max Jackson of Cannabis Wise Guys, Max explained how
When a Cannabis Dispensary Collapses Before Opening: Why Builders Risk Insurance is Non-Negotiable
On August 20, 2025, a marijuana dispensary under construction in New Buffalo Township, Michigan collapsed. This incident highlights the importance of builders risk insurance for cannabis new construction projects. According to reports, the foundation and walls gave way just before 1:30 p.m. while crews were on site. Two workers sustained
Not All Contractors Are Bad — And Neither Are Insurance Brokers
Tyler (Vice President of Spire Insurance) and his wife recently had their bathroom remodeled. If you’ve ever taken on a renovation project, you know it can go sideways quickly. They’ve had their fair share of horror stories — one unplanned kitchen remodel and a botched window replacement later, they were
The Hidden Business Risk You Can’t Insure—But You Can Prevent with Better HR
How Partnering with a PEO Like ChampionPEO Helps Growing Companies Avoid Expensive Claims When most business owners think about risk, they picture fires, floods, theft—or that one intern who almost wiped the entire shared drive. But at Spire Insurance Solutions, we’ve learned that the most expensive risks often don’t come
What to Know When Expanding From Cannabis to Hemp Products: Be Aware of Insurance Gaps
Expanding your cannabis business into hemp‑derived product lines? That’s smart growth—it opens doors to nationwide distribution. But here’s what many brands overlook: insurance coverage often doesn’t follow the product. It’s essential to consider Cannabis and Hemp Insurance to ensure your expanded offerings are adequately protected. What the risk is… Why
The #1 Banking Risk Most Cannabis Owners Overlook (Until It’s Too Late)
It’s not your product.It’s not your license.It’s not even your insurance. It’s walking out of your dispensary or grow with thousands of dollars in cash, which is why cannabis banking becomes crucial. Money Talks We recently sat down with Jamie Kleve, Chief Operating Officer at St. Cloud Financial Credit Union.
How Much Does Cannabis Insurance Cost? (And What Drives the Price Up or Down?)
Every cannabis business — from startup growers to fast-scaling dispensaries — asks one question above all: “How much will insurance cost?” We believe you deserve a transparent, no-surprises answer. Typical Premium Ranges What Influences Pricing? Factor Impact on Premium Annual revenue More revenue = higher product & general liability exposures
Starting a Dispensary in Minnesota? 4 Smart Insurance Strategies to Improve Cash Flow
The #1 mistake dispensary startups make? Overpaying for Minnesota dispensary insurance they don’t need. Minnesota dispensary owners: Don’t let overpriced insurance drain your startup’s cash flow before you even open your doors! Opening a cannabis dispensary in Minnesota is an exciting opportunity, but navigating the complexities of the industry requires
Think You’re Insured? 7 Cannabis Insurance Gaps That Could Cost You Big
If your cannabis insurance policy includes these exclusions or warranties, your business could be at serious risk due to insurance gaps. Understanding Common Exclusions and Warranties in Cannabis Insurance Policies The cannabis industry faces unique challenges when it comes to insurance. With strict regulations, high-risk exposures, and an evolving legal