Your Choice For Cannabis Insurance

Now writing all products for cannabis insurance in most states! CA, NV, OR, WA, and many other states where recreational and medical marijuana use have been approved for legal use.

Whether you are looking for cannabis dispensary, marijuana crop, hemp transport, bud delivery, or any other coverage related to your cannabis business, we are your one stop shop. We have over 35 years of experience in the insurance industry!

  • Crop Liability
  • Commercial Auto
  • Product Liability
  • Workers Compensation

Cannabis Insurance Products

From cannabis crop insurance to products for all aspects of your storefront or other business needs, we've got you covered!

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    Cannabis Crop Coverage From seed to harvest, we have insurance to cover your cannabis crop.

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    Transportation of product We know cannabis transportation insurance. Over 35 yrs. experience.

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    Product Liability Cannabis products can pose serious liability exposure. Get covered correctly.

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    Dispensary / Business Owners Liabilty Every time someone enters your dispensary, there is potential risk.

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    Cannabis Delivery Services Coverage Do you deliver? Let us help you navigate cannabis delivery insurance.

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    Employees Worker's Compensation If your employee is hurt on the job, we have a policy to cover them.

Why Do I Need Cannabis Insurance & How Can I Get It?

Cannabis Insurance Information

After the results of the 2016 November election in the United States, medical cannabis has been legalized in 28 states and the trend is only expected to continue. Reducing the risk of a loss within this new business structure is urgent. Cannabis insurance policies have finally become more readily available. Here's why and how.

While the industry is generally considered thriviing, when it comes to navigating all the state laws and regulations it can be a daunting task for new business owners. Most states either required or are looking to require businesses to obtain cannabis insurance coverage for thier dipsensaries and and other aspects of the marijuana industry.

The problem comes in finding an insurance company willing to covera a product that is still prihibited under federal law, which means that those looking to protect their cannabis inventory or crops face limited availability in teh marketplace. However, even though there has been reluctance for insurers to enter this potentially dynamic market, case law is already beginning to pave the way in favor of those in teh cannabis business. But what can cannabis related operations do to help secure themselves affordable insruance coverage? And how will it benefit their business?

Common Insurance Requirements for Cannabis Business Owners

Sufficiently addressing security concerns to the satisfaction of the insurance companies is one key component to finding affordable coverage, or coverage at all, for grow operations and dispensaries. Cannabis operations can face risks like theft (external and internal), employee injuries and grow fires, making security a top concern for insurers. In addition, choosing a viable location for any cannabis business can play a significant role in whether an insurer will offer coverage. This means that it is never too early to start building a relationship with an insurance professional as this will help proactively address issues in the early stages of plannin, developing and building the business.

Product Quality & Liability Concerns of Cannabis:

  • Product Liability
  • Because of the rising numbers of claims of illness and injury from cannabis use, product liability coverage is essential for Cannabis business owners in order to protect their operations and uphold the integrity of their business. Demands and settlements from these types of claims can sometimes be substantial enough to put an entire operation out of business, especially if the busienss is in the early first years and doesn't have enough capital to cover the setback. These types of claims are not typically covered under general liability policies, so be sure to ask specifically to be covered for product liabilities.

  • Product Recall
  • Another emerging trend in the cannabis industry is product recall. Cannabis products are being recalled at a formidable rate, largely due to the presence of dangerous or banned pesticides. Product recall is expensive and none of those expenses are covered by product liability liability insurance. There are two steps to take in order to protect a cannabis operation from the potential impact of a recall; hire an independent third party testing company to regulate your product quality and obtain product recall insurance. This coverage is written to fit the individual business needs and can cover everything from retrieval and shipping costs to destruction costs and even provide public relations help to rebuild and maintain the insured's reputation.

  • Professional Liability
  • Any medical cannabis dispensary, takes on the responsibility of a highly-regulated pharmacy. Even if the business is compliant with all state and local rules and regulations, mistakes are bound to occur simply due to human error. Giving out the incorrect product, failing to confirm a patient's identity, or violating customer privacy are some of the most common oversights. These errors and more, can be covered by a well written professional liability or E&O policy.

I didn't give probably, I'd say "enough" thought to how products liability insurance could help my business. Thank you!

James W.

Cannabis Insurance is tough to come by in general, no less agents who know their stuff and "A Rated" policies. Good company.

Barbara Y.

In light of recent, widespread legalization, cannabis insurance has now become a necessity in the marketplace. Easy as it gets with these guys. A++

Ernest A.

Get Insurance for your Cannabis-Based Business! No Obligation, Free Quote!

Regardless of the exact "type" of cannabis insurance you are looking for, we've got you covered! Click "Get Quote"to the right or call us NOW at (800)-980-1950 ext. 4 for a fast, no obligation quote!

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