Coverage Options
Cannabis Business Insurance
Every policy a cannabis business needs — in one place, from specialists who know the trade.
Dispensary Insurance
Comprehensive insurance for cannabis dispensary and retail operations. Covers general liability required for state licensing, product liability for third-party claims from sold products, crime coverage for cash-heavy operations, and commercial property for high-value cannabis inventory.
Cannabis Cultivator Insurance
Specialty insurance for cannabis cultivators and growers. Cannabis cannot be covered under USDA federal crop programs — specialty surplus markets provide stage-based crop coverage, property for grow facilities and equipment, equipment breakdown for HVAC systems, and workers compensation for cultivation employees.
Processor & Extractor Insurance
Specialty insurance for cannabis processors, extractors, and infused product manufacturers. The highest product liability exposure in the cannabis supply chain — edibles, concentrates, and vape cartridges. Pollution liability for hydrocarbon and ethanol solvents. Equipment coverage for high-value extraction systems.
Hemp & CBD Insurance
Hemp and CBD businesses have broader insurance market access than THC operations — but still need specialty coverage for product liability on edibles and topicals, crop insurance with hot-crop protection, and e-commerce liability for online CBD sales across state lines.
Product Liability Insurance
Cannabis product liability is the most critical policy in the industry. Every business in the supply chain — from cultivator to dispensary — can be named in a lawsuit arising from a cannabis product. This coverage pays defense costs and damages when claims are made against your business.
Crime & Theft Insurance
Cannabis businesses operate predominantly in cash due to federal banking restrictions. Commercial crime insurance covers employee dishonesty, robbery, burglary, and safe coverage that standard GL and property policies explicitly exclude. Essential for any dispensary or cash-handling operation.
Specialty Cannabis Markets
Get Your Cannabis Operation Covered
Same-day quotes for dispensaries, cultivators, processors, and hemp brands. Surplus and specialty carriers that actually write cannabis coverage.