Cannabis Insurance

Cannabis Operators & Product Insurance

We help cannabis businesses — from cultivators to dispensaries — find high-level coverage for a fast-moving, tightly regulated industry.

Coverage Benefits

GL With or Without Products

General liability available with or without products liability, so coverage matches the way you actually operate.

Occurrence or Claims-Made

General liability available on either an occurrence or claims-made form, with retro dates available up to 5 years.

Seed Through Sale

Property coverage that follows the product from cultivation all the way through to the point of sale.

High Limits Available

Up to $1M/$2M in premises and products liability, with up to $5M in total insured value per location.

Employee Benefits Liability

Employee benefits liability is available to round out your protection as your team grows.

Monoline or Multi-Location

Monoline general liability available, with pricing built per location for operators running more than one site.

Higher TIV on Larger Programs

Total insured value options up to $10M per location on qualifying programs, with scheduling available across multiple locations.

New Ventures to Large MSOs

Pricing built to scale — from a first-time operator just getting licensed to a multi-state operator running dozens of locations.

What's Covered

General & Products Liability

Bodily injury, property damage, and products liability exposures tied to cultivating, processing, manufacturing, or selling cannabis products.

Property, Seed Through Sale

Coverage for plants, inventory, and business property at each stage of the process — from cultivation through processing and retail.

Employee Benefits Liability

Protection against claims arising from errors in the administration of your employee benefits programs.

Multi-Location Programs

Coverage structured per location, with total insured value and premises limits scaled to the size and number of sites you operate.

Cannabis Stock Throughput Coverage

Protection for product as it moves through your supply chain — from raw material and work-in-process inventory to finished goods in transit.

Full Suite of Business Lines

Beyond general liability and property, cannabis and hemp operators can also access commercial property, excess liability, commercial auto, directors & officers, EPLI & crime, and cyber liability — built to round out protection for the whole operation.

Classes We Cover
Retailers
Dispensaries
Non-Storefront Delivery to Home
Indoor Cultivators
Outdoor Cultivators
Growers
Processors
Transporters
Distributors
Manufacturers (No Extraction)
Non-Combustible Extraction Manufacturers
Combustible Extraction Manufacturers
Hemp Farmers & CBD Manufacturers
Laboratory & Testing
Ancillary Cannabis Businesses
And More
$15M & Under
Target annual sales for this program
35,000 Sq Ft
Maximum size per location
Up to $10M
In total insured value per location, by program
$500+
Starting GL premium, plus taxes & fees

Figures shown reflect current carrier programs and vary by state, class, and risk. As we add more carriers to our network, additional limit and coverage options may become available.

Often Paired With
Get Covered

Ready to Get Your Cannabis Business Covered?

Tell us about your operation — cultivator, processor, retailer, or all three — and we'll help you find the right fit.

Get a Cannabis Insurance Quote