Built by specialists who understand regulated cannabis operations.
Cannabis Insurance is the cannabis-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner, who knows exactly what happens when a product-liability exclusion or crop loss hits an unprotected cannabis business at claim time.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Cannabis industry specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
From specialty commercial to cannabis.
Josh Cotner built CCA in 2005 around specialty industries that standard markets don't serve well — contractors, operators, and regulated businesses. Cannabis is the natural extension of that expertise.
Contractors Choice Agency founded
Josh Cotner opens CCA in Chandler, AZ — built to insure specialty operators that standard markets decline or underwrite poorly.
Expanded to regulated industry specialists
After placing programs for dozens of specialty contractor and trade categories, CCA extends expertise to regulated industries with complex liability exposures.
Dedicated cannabis division
Cannabis Insurance focuses CCA's expertise on licensed cannabis operators — dispensaries, cultivators, processors, and delivery companies in a rapidly evolving regulatory environment.
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Cannabis businesses insured nationwide
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Years insuring specialty operators
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Average quote turnaround
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States licensed & writing
Four things we won't compromise on.
Industry-first, always
We understand state licensing requirements, track-and-trace obligations, and the compliance landscape that shapes cannabis insurance needs.
Coverage that closes the gaps
Product liability exclusions, crop loss limitations, and cyber gaps in cannabis POS systems — we address the risks standard commercial markets miss.
A-rated markets only
We shop carriers with the financial strength and cannabis experience to be there when a product recall, crop loss, or D&O claim hits.
Honest, no-pressure advice
If you don't need a line of coverage, we'll tell you. We earn trust by being straight about what your cannabis operation actually requires.
Ready to protect your cannabis operation?
Get a 15-minute quote from specialists who understand the cannabis industry — product liability, crop insurance, D&O, and the coverages standard carriers exclude.