ICONN Cannabis

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Who We Cover

The full Northeast cannabis supply chain — plant-touching to ancillary.

We write coverage for every link in the chain. Below, the exposures we underwrite for each business type — and the carriers we place them with.

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PLANT-TOUCHING

Cultivators

Indoor, outdoor, greenhouse, mixed-use. Whether you have a tier-1 microgrow license or a 100,000 sq-ft facility, your insurance program lives or dies on crop coverage — and that’s the line most generalist brokers won’t even quote.

Quote Cultivation Coverage

Key exposures we underwrite

  • Live plant loss: mold, mildew, pests, mechanical failure, contamination, theft
  • Harvested crop value: at all stages of drying, curing, and storage
  • HVAC & equipment breakdown: chillers, dehumidifiers, lighting
  • Crop in transit: from cultivation to processing site
  • General liability: contractor injuries, visitor accidents
  • Workers’ comp: correctly classified for cultivation tasks
  • Property: structures, irrigation, lighting, contents
PLANT-TOUCHING

Manufacturers & Processors

Extraction, infusion, packaging, edibles, vape, topical, tincture. The line that matters most: product liability with no THC or ingestible exclusions. We write those exclusions out before binding.

Quote Processor Coverage

Key exposures we underwrite

  • Product liability: bodily injury & property damage from finished goods
  • Product recall expense: notification, retrieval, disposal, replacement
  • Equipment breakdown: extraction systems, packaging lines, automation
  • Environmental impairment: solvent release, remediation
  • Property & finished stock: at the facility and in warehouse
  • Product in transit: from processor to dispensary or distributor
  • Workers’ comp: with manufacturing-specific class rating
  • Cyber: recipe IP, batch records, METRC integration
PLANT-TOUCHING

Dispensaries & Retail

Medical, adult-use, hybrid. Single-location or multi-store group. Premises liability and assault & battery sit at the top of the list — followed closely by cash exposure, which is uniquely high in cannabis retail.

Quote Retail Coverage

Key exposures we underwrite

  • Premises liability: slip-and-fall, customer injury, parking lot
  • Assault & battery: separate sublimit available
  • On-premises & in-transit cash: robbery, employee theft
  • Product liability: for retail sales of branded & in-house product
  • Cyber: POS, customer data, loyalty programs
  • Property: tenant improvements, inventory, contents, security systems
  • EPLI: wrongful termination, harassment, wage-hour
  • Workers’ comp: dispensary-classified rates
PLANT-TOUCHING

Distribution & Transport

Transporter licenses, fleet operators, wholesale distributors. Cannabis cargo in transit — with theft, damage, and hijacking covered — is the line we write more often than anyone else in the Northeast.

Quote Transport Coverage

Key exposures we underwrite

  • Commercial auto liability: owned, hired, non-owned
  • Cannabis cargo in transit: theft, damage, hijacking at full value
  • Physical damage on vehicles: collision, comprehensive
  • Crime & cash in transit: driver theft, robbery
  • General liability: at warehouses, transfer points
  • Workers’ comp: driver classification
  • Surety bonds: where state licensure requires
SPECIALIZED

Testing Labs

ISO 17025 facilities running potency, residual solvents, microbial, heavy metals, and pesticide screens. The exposure that matters most: professional liability for the COA you signed off on.

Quote Lab Coverage

Key exposures we underwrite

  • Errors & omissions: COA accuracy, methodology, reporting
  • General liability: sample handling, visitor injury
  • Equipment breakdown: HPLC, mass spec, autoclaves
  • Environmental impairment: solvent release, sample disposal
  • Cyber: LIMS, sample data, METRC integration
  • Property: instrumentation, contents, lab buildout
  • Workers’ comp: laboratory class
ANCILLARY

Ancillary & Service Providers

You don’t touch the plant — but every standard E&O and GL carrier still says no the moment they hear “cannabis client.” Consultants, software, packaging, lighting, security, equipment, design, marketing, accounting, legal. We write them all.

Quote Ancillary Coverage

Common categories we cover

  • Software & SaaS: seed-to-sale, POS, e-commerce, delivery
  • Packaging & labeling: child-resistant, exit bags, branding
  • Lighting & cultivation equipment: manufacturers and distributors
  • Security & compliance: guards, monitoring, video systems
  • Consulting: licensing, operations, capital raising
  • Real estate: landlords, holding companies, REITs
  • Marketing & agencies: creative, content, ad ops
  • Professional services: CPAs, lawyers, brokers

Core lines for ancillary

General Liability Errors & Omissions Cyber Property & Contents Workers’ Comp EPLI

Don’t see your exact license type? We’ve probably written it.

Microbusinesses, delivery operators, social-equity applicants, hemp processors, ancillary tech — if it touches cannabis in the Northeast, it’s in our wheelhouse.

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