Cannabis Insurance Requirements By State
Cannabis insurance requirements are set state by state, and they vary widely. Some states require specific liability limits or surety bonds for every licensee, others only for certain license types, and some set no insurance requirement at all, leaving terms to landlords, local permits and contracts. Each guide below cites the state's own rules.
California
California does not require every cannabis licensee to carry liability insurance.
Read the guideColorado
Colorado ties its cannabis insurance rules to specific activities rather than one minimum for every license.
Read the guideIllinois
Illinois relies mainly on financial responsibility rules rather than a set insurance minimum.
Read the guideMichigan
Michigan requires insurance for cannabis licenses.
Read the guideNevada
The Nevada cannabis statutes and Cannabis Compliance Board (CCB) regulations we reviewed do not set a statewide insurance policy, coverage limit or...
Read the guideOregon
Oregon law allows the Oregon Liquor and Cannabis Commission (OLCC) to require general liability insurance (ORS 475C.165), but we did not find an OLCC...
Read the guideWashington
Washington requires liability insurance for every cannabis licensee.
Read the guideArizona
The Arizona Department of Health Services (ADHS) rules for adult-use marijuana establishments (9 A.A.C.
Read the guideMassachusetts
Massachusetts requires every Marijuana Establishment and Medical Marijuana Treatment Center to carry general liability and product liability...
Read the guideNew Jersey
New Jersey's Cannabis Regulatory Commission (CRC) requires license applicants to submit a plan for obtaining appropriate liability insurance, and...
Read the guideNew York
New York's cannabis rules do not set a specific policy type or coverage limit, but the adult-use application rule, 9 NYCRR 120.2(a)(4)(viii), lists...
Read the guideMissouri
Missouri's cannabis rules, 19 CSR 100-1, do not set a specific insurance policy, coverage limit or surety bond requirement for licensed facilities.
Read the guideOhio
Ohio requires insurance for cannabis licensees.
Read the guideRules change often. Always verify current requirements with your state cannabis regulator.
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