Every line of coverage a cannabis operation actually needs — written by people who know the difference.

General Liability

The foundation policy — slips, falls, third-party property damage at your premises.

Bodily-injury and third-party property claims at your dispensary, cultivation site, lab, or office. Covers customer slip-and-falls, premises injuries, advertising injury, and personal injury claims like libel or slander. Cannabis-specific endorsements include marijuana liability and assault & battery extensions.

Product Liability & Recall

For everything you sell that someone consumes, vapes, smokes, or applies.

If a consumer is harmed by your flower, edible, vape cart, tincture, or topical — this is the line that responds. We negotiate product liability with carriers who write cannabis specifically (no THC-content exclusion, no ingestible exclusions). Recall expense is offered as a sublimit, including notification, retrieval, and disposal costs.

Property & Crop

Building, contents, equipment, finished goods — and live plants.

Two markets, one program: traditional commercial property for buildings, contents, BPP, leasehold improvements, and equipment breakdown — plus cannabis-specific live plant and harvested crop coverage. We replace standard fire/theft exclusions with cannabis-aware language. Stock at retail and finished inventory in transit are covered separately.

Workers’ Compensation

State-mandated — with carriers who actually understand cannabis class codes.

Every state we write in requires workers’ comp. Cannabis cultivation, manufacturing, and retail get different class codes than generic agriculture or retail — and standard carriers often refuse the risk entirely. We place comp with markets who quote cannabis classes correctly, so your premiums reflect actual exposure rather than punitive defaults.

Commercial Auto & Cargo

Transport, delivery, fleet — including in-transit product value.

Whether you operate a single van or a multi-state transporter fleet, we write the auto liability, physical damage, and cargo lines together. In-transit cannabis cargo is the line standard carriers refuse most often — our specialty markets quote it with theft, damage, and hijacking included.

Cyber & Crime

Data breach, ransomware, employee theft — and cash on the premises.

Dispensaries store more cash on-site than almost any other retail vertical, and cannabis tech stacks (POS, METRC, seed-to-sale) are increasingly cloud-based. Cyber covers breach response, ransomware, network business interruption, and regulatory defense. Crime covers employee theft, robbery, in-transit cash, and forgery. We almost always pair the two.

Directors & Officers / EPLI

Management liability — investor suits, employment practices, regulatory actions.

Cannabis ownership structures attract scrutiny — from investors, the state, the IRS, and former employees. D&O protects directors and officers personally from wrongful-act allegations. EPLI (Employment Practices Liability) responds to wrongful termination, discrimination, harassment, and wage-hour claims. Both are essential for any operator with outside investors or 5+ employees.

Specialty & Excess Lines

The seven lines most generalist brokers won’t even quote.

Larger operators and unique exposures need specialty layers. Excess liability stacks above your primary GL/product/auto limits. Environmental impairment responds to remediation costs. Equipment breakdown covers boilers, chillers, and HVAC. Errors & omissions covers ancillary service providers (consultants, lab work, software). We place these as “quiet” layered programs that don’t bloat your insurance budget.