Cannabis business insurance built for dispensaries, growers, and processors.

A cannabis cultivator typically needs general liability, commercial property for the grow facility and equipment, crop insurance for the cannabis plants and harvested crop, workers' compensation for trimmers and plant handlers, commercial auto for transport, and potentially environmental/pollution coverage for water and waste management.

Standard commercial GL policies typically exclude cannabis operations through a controlled-substance exclusion, an illegal-activity exclusion, or simply by refusing to write the class. Specialty cannabis GL is written specifically for licensed cannabis operators — often through surplus lines markets that have filed cannabis-specific forms.

Cannabis product liability covers claims arising from your cannabis products — contaminated products, mislabeled THC/CBD content, adverse health effects, and product recalls. It covers bodily injury and property damage claims from consumers who allege harm from a cannabis product your business sold, manufactured, or grew.

Yes. Cannabis crop insurance covers loss of growing or harvested cannabis from fire, windstorm, freeze, disease, pests, and theft. It is written specifically for licensed cannabis cultivators — covering the actual value of the crop at the time of loss. Coverage is from specialty surplus lines markets, not USDA crop insurance.

It depends on operation type, revenue, license type, state, and coverage lines. A small dispensary may pay a few thousand a year for GL and property; a large multi-location dispensary group or a cultivation facility with significant crop value will pay considerably more. We quote your actual operation in about 15 minutes.

Yes. Cannabis dispensaries are required to carry workers' compensation for their employees in most states — the same as any retail employer. Dispensary work involves handling product, customer interactions, and cash — a standard workers' comp requirement. We assign the correct class codes for each cannabis operation type.

Very important. Cannabis dispensaries process transactions, collect customer data through loyalty programs, and run specialized POS systems like Dutchie and Flowhub. A breach of customer data — especially in states with medical cannabis programs — carries regulatory notification costs and potential liability.

Directors and Officers insurance covers claims against the management team of a cannabis company — regulatory violations, investor disputes, breach of fiduciary duty, and management decisions that lead to financial harm. D&O is increasingly important as cannabis companies attract investors and face significant regulatory compliance obligations.

Yes. Licensed cannabis delivery operations and businesses that transport cannabis products between facilities need commercial auto insurance. We write commercial auto for cannabis delivery vans, transport vehicles, and fleet operations — including hired and non-owned auto for operations using employee or contractor vehicles.

Commercial property policies cover theft of business property, including cannabis inventory and cash, subject to policy limits and exclusions. Because cannabis businesses often carry significant cash and inventory, securing adequate theft limits and considering vault/safe schedules is important. We review your theft exposure and structure the right limits.

Without product liability insurance, a claim that a cannabis product caused injury, illness, or harm falls directly on the business. With product liability, the insurer defends the claim and pays covered damages up to the policy limits. This coverage is essential for any cannabis business that manufactures, processes, or sells cannabis products to consumers.

Many cannabis businesses benefit from commercial umbrella coverage that provides excess limits above their underlying GL, product liability, and commercial auto policies. If a serious claim exceeds your underlying limits, the umbrella fills the gap.

Most cannabis insurance is written through surplus lines markets because standard admitted carriers decline cannabis through controlled-substance exclusions. Surplus lines markets have more flexibility to write non-standard risks. All surplus lines we use are licensed in each state and backed by financially rated carriers.

Admitted carriers are licensed by the state and their rates and forms are filed and approved. Surplus lines markets can write risks admitted markets decline, but they are not backed by state guaranty funds. Most cannabis coverage today is surplus lines — we work with financially rated E&S carriers.

Yes. Licensed cannabis delivery operations need commercial auto for their delivery vehicles, GL for their operations, and commercial property for any inventory held at a facility. We write programs for standalone cannabis delivery companies and for dispensaries with in-house delivery operations.

We write cannabis insurance in all states where licensed cannabis operations exist. As states legalize and launch licensing programs, we work with specialty markets that track the evolving landscape. Contact us about your state — coverage availability follows license availability.

Typically 15 minutes on a call. For larger programs — multi-location dispensary groups, cultivation facilities with significant crop value, or complex D&O placements — we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Often yes. We have E&S markets for cannabis businesses declined over prior losses, regulatory actions, or simply the cannabis class code. Bring us what you have and we will find a path to coverage.

Usually yes. A coordinated program — GL, product liability, commercial property, workers' comp, cyber, and commercial auto — closes gaps between policies and is almost always more efficient and coherent than separate policies from separate carriers.