Cannabis Insurance Coverage Guides
Licensed cannabis businesses commonly carry general liability, product liability, commercial property and workers compensation, then add coverage that fits the license type, such as crop insurance for growers, product recall for manufacturers and commercial auto for distributors. Each guide below explains what the coverage does, why cannabis is different and how limits are typically structured.
General Liability
Cannabis general liability insurance covers claims that a licensed cannabis business caused bodily injury or property damage to someone else, along...
Read the guideProduct Liability
Cannabis product liability insurance covers claims that a product a business grew, made, packaged, distributed or sold caused bodily injury or...
Read the guideCrop Insurance
Cannabis crop insurance covers loss of living cannabis plants, and sometimes harvested crop, from causes the policy covers.
Read the guideCommercial Property
Cannabis commercial property insurance covers physical loss to a licensed operator's building, build-out, equipment and, when the policy is written...
Read the guideWorkers Compensation
Cannabis workers compensation insurance pays the medical and wage-loss benefits a state requires when an employee is hurt or made ill on the job, and...
Read the guideCommercial Auto And Cargo
Cannabis commercial auto insurance covers liability and physical damage for the vehicles a cannabis business uses to transport product, make...
Read the guideCyber Liability
Cannabis cyber liability insurance covers the costs of a data breach, ransomware attack or network outage, such as forensics, customer notification,...
Read the guideDirectors And Officers
Cannabis directors and officers (D&O) insurance pays defense costs and losses when a company's directors, officers or the company itself are sued...
Read the guideEmployment Practices
Cannabis employment practices liability insurance (EPLI) covers claims by employees alleging wrongful acts in the employment process, such as...
Read the guideProduct Recall
Cannabis product recall insurance pays the business's own costs of pulling a product from the market, such as notification, transport, storage,...
Read the guideExcess And Umbrella
Excess and umbrella insurance add liability limits above a cannabis business's primary policies, such as general liability and commercial auto, and...
Read the guideBusiness Interruption
Cannabis business interruption insurance, usually written as business income and extra expense coverage on a commercial property policy, pays lost...
Read the guideLooking for state rules? See the state guides.
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