“Our last broker quoted us $84k for product liability and shrugged. ICONN came back at $46k with broader limits and an actual cannabis carrier on the policy. They just understood the risk.”
MV
Marcus Vega
CEO · Hartford-area Cultivator
Cannabis Insurance — Seed to Sale
New England + New York
Every Seed.
Every Harvest.
Cultivation, manufacturing, retail — every license, every stage.
New England & New York · Seed to Sale
Insurance built for cannabis — not bolted on after the fact.
ICONN Cannabis is the cannabis specialty program from Insure Connecticut, LLC & ICONN Insurance Solutions. Cultivator. Manufacturer. Dispensary. Lab. Transporter. We’ve underwritten them all — and we’ll write yours, in every legal market across New England and New York.
7
Licensed states across the Northeast
$1B+
Cannabis exposure placed in market
3 gen
Family insurance broker legacy
CultivatorsManufacturersDispensariesDistributorsTesting LabsDeliveryAncillary
CultivatorsManufacturersDispensariesDistributorsTesting LabsDeliveryAncillary
Most insurance brokers don’t get cannabis. We do — and we’ve been doing it since day one of Northeast legalization.
Cannabis-specialty markets
Direct appointments with A-rated cannabis carriers — including specialty markets most brokers can only quote through a wholesaler.
Compliance-first underwriting
We read your state license, OCM rules, and SOPs before we quote. Less surprises at audit time.
Operator’s mindset
We move at startup speed because our clients do. No corporate translation layer between you and the underwriter — just brokers who think like founders.
Quotes in days, not months
Submit once. We market across our carrier panel and come back with terms — typically within 5 business days.
Every line your license needs. Bundled, brokered, and bound by one team.
A complete program for cannabis operators — from the front of the dispensary to the back of the grow.
General Liability
Slip-and-falls, customer injury, on-premises claims — the baseline every cannabis business carries.
Learn moreProduct Liability
Recalls, contamination, adverse reactions, mislabeled THC content — protection for what you sell.
Learn moreProperty & Crop
Buildings, equipment, live plants, finished inventory — fire, theft, water, mold, mechanical breakdown.
Learn moreWorkers' Compensation
State-compliant coverage for trimmers, budtenders, drivers, extraction techs. Pay-as-you-go available.
Learn moreCommercial Auto & Cargo
Delivery vans, transport vehicles, cargo-in-transit. State-mandated limits, GPS-friendly endorsements.
Learn moreCyber Liability
POS breaches, METRC data, customer PII, ransomware — the threats nobody warns license-holders about.
Learn moreCrime & Theft
Cash-heavy operations need real protection. Employee theft, robbery, money & securities, transit cash.
Learn moreD&O / EPLI
Directors & officers, wrongful termination, discrimination claims, investor disputes. Mission-critical for funded ops.
Learn moreMore Lines
Excess liability, environmental, equipment breakdown, employment practices, health benefits and more.
See full listAll of New England. All of New York. One licensed broker.
If your operation crosses state lines — and most multi-license cannabis businesses eventually do — you shouldn’t have to juggle seven brokers, seven carriers, and seven renewal calendars. ICONN writes the whole region under one roof.
Check My State CoverageConnecticut
Adult-use + Medical
Home State
Massachusetts
Adult-use + Medical
New York
Adult-use + Medical
Rhode Island
Adult-use + Medical
Vermont
Adult-use + Medical
Maine
Adult-use + Medical
New Hampshire
Therapeutic + Hemp
Multi-state operator?
We bundle all your locations.
Hemp / CBD?
Yes — separate program available.
From first call to bound policy in five business days.
01
Tell us your license
A 5-minute conversation about your state, license type, headcount, and the kind of operation you run.
02
We market your risk
Your application goes to our panel of cannabis-friendly A-rated carriers — we’ll pull at least three options.
03
We present terms
A clear side-by-side: limits, exclusions, premium, deductible. No insurance-jargon decoder ring needed.
04
You bind. We stay.
Sign, pay, and you’re covered. Then a real human stays on your file for claims, audits, and renewal.
A broker who actually knows what an OCM compliance letter looks like.
Cannabis isn’t a side line for us — it’s a specialty. Six things our clients tell us they don’t get from generalist brokers:
01
License-aware quoting
We read your CT DCP, MA CCC, NY OCM, or other state license before quoting. Coverage is matched to what you’re actually allowed to do — not a generic template.
02
Carrier panel built for cannabis
Direct relationships with A-rated cannabis-specialty carriers and Lloyds syndicates. We don’t market your account into the void.
03
Seed-to-sale program design
Vertically integrated? We bundle cultivation crop, manufacturing product liability, and dispensary retail into one program — usually with measurable premium savings.
04
Claims-side advocacy
When a claim hits, you call us — not a 1-800 number. We push the carrier, document the loss, and stay until it’s closed.
05
Renewal as a process, not an email
90 days before renewal we re-market, re-benchmark, and re-negotiate. You see your options before the policy lapses — not after the price goes up.
06
Local. Truly local.
Headquartered in Connecticut, licensed across the Northeast, related to a 3-generation family insurance brokerage. We’re not a Silicon Valley platform.
The Northeast cannabis industry, in their own words.
Real feedback from cultivators, dispensary owners, and processors we’ve placed coverage for across the region.
“We had a slip-and-fall in our Worcester store and ICONN had the claim handler engaged within the hour. They didn’t make us chase paperwork. That alone is worth the premium.”
JP
Jasmine Patel
COO · MA Adult-Use Dispensary Group
“As a vertically integrated NY operator we had policies stacked across four brokers. ICONN consolidated everything into one program and we’re saving close to 18% with broader limits across the board.”
DR
Devon Ramirez
Founder · NY Vertically Integrated MSO
“Our extraction facility had a CO₂ leak that took out two weeks of production. ICONN’s claims team got us business interruption proceeds in under 30 days. That kept the lights on.”
SR
Sara Reyes
Operations Director · CT Manufacturer
“They asked about our SOPs before they wrote the quote. Nobody else did that. We’re a small lab — it mattered that they cared what we actually do.”
KB
Kevin Bauer
Lab Director · VT Testing Facility
Featured Operator Story
“ICONN is the only broker that actually understands my license, my product, and my exposure. After three carriers and two brokers, we found our people.”
AK
Alicia Kowalski
Owner · Portland ME Boutique Dispensary
Field notes from the front lines of cannabis insurance.
Real claims, regulatory updates, and what we’re telling our operators this month.
Everything Northeast cannabis operators ask us — before they sign.
If your question isn’t here, we promise to answer it on a 15-minute call. No insurance jargon, no hard sell.
Ask Us AnythingStandard commercial policies almost universally exclude cannabis — even after legalization. If your business handles a federally controlled substance, a generalist policy will deny the claim. Cannabis-specialty carriers like the ones on our panel underwrite the risk explicitly: cultivation, manufacturing, retail, transit, products, the works.
We’re licensed across Connecticut, Massachusetts, Rhode Island, Vermont, New Hampshire, Maine, and New York. Multi-state operators get one consolidated program instead of a separate broker per state.
For straightforward retail and ancillary risks: 3-5 business days from completed application to bound coverage. Vertically integrated and crop-heavy submissions take 7-10 business days because the underwriters want more documentation. We tell you the realistic timeline up front.
Premiums are locked for the policy term (usually 12 months). If your state changes regulations mid-term that materially expand your exposure — say, you go from medical-only to adult-use — we’ll re-rate at renewal. We’ll never surprise you with a mid-term hike without notice.
Both. Plant-touching operators (cultivators, manufacturers, dispensaries, distributors, testing labs) get the full specialty program. Ancillary businesses (packaging, security, software, consulting, equipment, lighting) often need errors & omissions plus general liability — also part of our book.
Wide range — depends on revenue, headcount, license type, building, claims history, and state. A small adult-use dispensary might run $14k-$22k/year for a complete program. A vertically integrated multi-state operator can be in six figures. We tell you a realistic number on the first call — before doing the paperwork.
You call us first — not the carrier. We open the claim, push the adjuster, gather your documentation, and stay involved until it’s closed. Cannabis claims are unusual, and most adjusters need handholding. That’s what we’re for.
Your license is too important to leave with a generalist broker.
Tell us about your cannabis operation. We’ll bring real terms back — and a real human to walk you through them.