Question 1

What kinds of businesses does Spire Insurance Solutions cover?

Accepted Answer

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.

Question 2

What states does Spire Insurance Solutions write business in?

Accepted Answer

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.

Question 3

How is Spire different from other commercial insurance agencies?

Accepted Answer

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.

Question 4

Is Spire affiliated with another insurance agency?

Accepted Answer

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.

Question 5

How do I file a claim with Spire?

Accepted Answer

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.

Question 6

Where is Spire Insurance Solutions located?

Accepted Answer

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.

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