Top O' Michigan Insurance Solutions

Raise a Glass - Michigan Breweries, Distilleries & Wineries!

We understand that in order to create exceptional craft beverages, everything in the process has to be customized and blended until it is just right.  At Top O’ Michigan Insurance, we believe the same thing goes for your insurance solution.

We approach your insurance solution with the same care and dedication you put into running your business and producing great tasting products.  This means touring the facilities to identify your risk and speaking with distillers, distributors and retailers to gain an intimate understanding of your entire distillery business from the ground up.

Cheers to your solution!

Our coverage also comes with a commitment to safety, training and risk management.  We focus on the responsible selling and serving to help you decrease the likelihood of a claim against your business.  Why take a chance that your current policy will leave you "running dry" when you need it?  Trust Spire Insurance Solutions for your brewery, distillery or winery insurance solution.


Are my craft beverages considered pollutants?!

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Key Craft Beverage Coverages

Our package includes specific coverage that goes beyond the normal scope of insurance to help a business like yours recover from the unexpected:

  • Beverage and food contamination
  • Business Income from Dependent Properties
  • Craft Beverage Valuation
  • Delivery Errors & Omissions
  • Employee Dishonesty
  • Harvested Crops
  • Infringement on Copyright, Patent, Trademark Or Trade Secret
  • Intellectual Property Rights
  • Personal Property Off-Premises and In Transit
  • Processing Water
  • Refrigeration Breakdown in transit
  • Spoilage
  • Tank Collapse & Leakage
  • Utility Services Direct Damage & Business Income

Specialized Coverages

We have partnered with the top companies that share the same excitement and understand the unique risks facing breweries, distilleries, and wineries.  They are members of the Brewers Association, Beverage Associations, This gives us the ability to accommodate the wide range of exposures for any size operation including:

  • Production and Tasting Rooms
  • Special Events and Bonds 
  • Facility Tours, Retail Sales and Beverage Shops
  • Farm Liability and Operations
  • Product Tasting on-or off-premises
  • Brewery/Winery Processing Errors
  • Product Withdrawal Expense
  • TAP Server Training Available
  • Liquor Liability
  • Assault and Battery
  • Cyber Liability

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664