Growing cannabis requires an investment in your business infrastructure and ongoing plant production. Both of these come with unique risks. Your facility and equipment need protection from theft, fire, explosion, building collapse, vandalism, replacing or repairing broken equipment, environmental or pollution exposures, and weather-related events. Likewise, protection for your plants during all growth stages is critical. Our crop insurance covers living plant material from seeds to flowering plants, harvested plant material that is in the drying and curing process, and finished stock ready for sale. You are also on the hook for the product after you sell it should there be a liability loss at the dispensary.

Manufacturing cannabis and hemp edible products and concentrates comes with unique risks that need to be covered. First, you need to protect yourself from product liability and/or recall should your product cause harm or injury to a consumer. You also need to protect your physical building and equipment from theft, fire, explosion, building collapse, vandalism, replacing or repairing broken equipment, and environmental or pollution exposures.

Operating a dispensary comes with its own set of risks since you are dealing with the product, the public, your employees, and your physical building and contents. You need to protect yourself from product liability if someone gets sick or injured, bodily injury to visitors on your premises, employee work-related injuries, and damage to your building and its contents whether by theft, fire, explosion, building collapse, or vandalism. As a small business owner, you also need to protect yourself from supply chain interruptions, lost income from business interruption, false advertising/libel claims, cyber exposures and stolen customer data, and even credit card processing breaches.

Labs have two distinct risks that require protection—the building and equipment, and the professional work that is conducted. The building and equipment require insurance coverage to protect against theft, fire, explosion, building collapse, vandalism, replacing or repairing broken equipment, and environmental or pollution exposures. The professional work conducted in the lab needs to be protected from testing mistakes, errors and omissions while verifying product levels or pollutants, and other professional negligence that causes harm or injury.

Moving cannabis has unique risks that require the right type of commercial insurance protection. Whether you are a delivery-only dispensary or a transport and delivery service, you need to worry about accidents, theft, injury to others, property damage, cargo damage, and even employee claims.

Whether you are a property owner, renter, or landlord, acquiring and maintaining property insurance is difficult for the cannabis industry due to its inherent risks. The building, equipment, and other contents all require protection from theft, fire, explosion, building collapse, vandalism, and weather-related events. You also need general liability protection to protect yourself from bodily injury to visitors on your premises and property damage resulting from your products or operations.