Coverage lines

Insurance built line-by-line for cannabis businesses.

Each policy below addresses a specific exposure in cannabis operations — from the product liability that standard GL policies exclude to the crop coverage your cultivation facility needs when a freeze, disease, or theft hits.

Essential coverage

General Liability Insurance

Core liability protection for cannabis businesses — covering third-party bodily injury and property damage from dispensary premises, grow operations, processing facilities, and delivery operations. Essential for state licensing compliance and landlord requirements.

Explore coverage

Product Liability Insurance

Cannabis product liability covers claims arising from contaminated products, mislabeled THC/CBD content, adverse health effects, and product recalls. Critical for any cannabis business that touches the product — cultivators, processors, edible manufacturers, and dispensaries.

Explore coverage

Commercial Property Insurance

Commercial property coverage for cannabis businesses — dispensary retail space, cultivation facilities, processing and extraction plants, and storage. Covers cannabis inventory, specialized grow equipment, HVAC systems, and extraction equipment on a replacement cost basis.

Explore coverage

Crop Insurance

Cannabis crop insurance covers loss of growing or harvested cannabis from fire, windstorm, freeze, disease, pests, and theft. Written specifically for licensed cannabis cultivators — covering the actual value of the crop at the time of loss.

Explore coverage

Workers' Compensation

Workers' compensation for the full cannabis workforce — dispensary budtenders, cultivation trimmers and plant handlers, extraction technicians, delivery drivers, and administrative staff. Proper class codes for each cannabis operation type.

Explore coverage

Commercial Auto Insurance

Commercial auto coverage for licensed cannabis delivery operations — delivery vans, transport vehicles, and fleet vehicles used to move cannabis products between facilities. Includes hired and non-owned auto coverage for delivery operations using employee or contractor vehicles.

Explore coverage

Cyber Liability Insurance

Cyber liability coverage for cannabis businesses — dispensary POS system breaches, customer data theft, ransomware, HIPAA-adjacent medical cannabis data exposure, and the regulatory notification costs following a data breach in a heavily regulated industry.

Explore coverage

Directors & Officers Insurance

D&O liability insurance for cannabis company management teams — covering claims against directors and officers for regulatory violations, investor disputes, breach of fiduciary duty, and management decisions in an industry with significant compliance obligations and investor scrutiny.

Explore coverage

Not sure which lines you need?

Most cannabis businesses bundle GL + product liability + commercial property + workers' comp into one coordinated program. We'll build the right mix for your operation in one call.

Get a free quote844-967-5247