Dispensary & Cannabis Programs
Dispensary Insurance — Built for Real-World Compliance
Coverage for dispensaries, cultivators, processors & labs, distributors, delivery operations, and hemp/CBD brands. We tailor GL, Product Liability, Property & Stock, Crop, Workers’ Comp, Cyber, and Excess/Umbrella—plus fast COIs that mirror lease wording and vendor requirements.
General & Product Liability
Property & Business Income
Stock / Crop (indoor/outdoor)
Workers’ Compensation
Hired & Non-Owned Auto
Cyber & Data Liability
Excess / Umbrella
State + Role Smart Guide
Pick your state and roles to see common requirements and coverage focus points. Then tap “Start Your Quote.”
Program
Core Coverages We Place
- General & Product Liability aligned to landlord/vendor wording and limits.
- Property (build-outs/tenant improvements, showcases, refrigeration breakdown) and Business Income for downtime from fires, leaks, or equipment failures.
- Stock / Crop for living plants & harvested material; stage values and environmental controls addressed.
- Inland Marine for lights, irrigation, extraction systems, and mobile equipment.
- Workers’ Compensation with proper class codes and employer’s liability.
- Hired & Non-Owned Auto for delivery and courier exposure.
- Cyber & Data Liability for POS, ID scanning, online ordering, and ransomware response.
- Excess / Umbrella to meet $2M–$10M+ contractual thresholds.
Speed
What Underwriters Ask For
- SOPs (ID checks, security, chain of custody, extraction protocols, recall plans).
- Premises details (construction, sprinklers, alarms, safes/vaults, camera retention).
- Revenue split (retail vs. wholesale; THC vs. hemp/CBD).
- Product/process detail (edibles, vapes, solvent/solventless, lab testing scope).
- Contracts (lease endorsements, transport partners, vendor indemnity).
Deliverables
How We Help
- Fast COIs with Additional Insured, Primary & Non-Contributory, and Waiver of Subrogation.
- Compliance guidance for packaging/labeling claims and recall preparation.
- Claims advocacy from notice to resolution.
- Multi-state scheduling for MSOs and growth-stage operators.
What Drives Cost
Higher gross receipts, heavy edibles/vape mix, and delivery volume typically raise GL/Product rates. We match deductibles and limits to lease requirements so you don’t overspend.
Controlled entry, alarms, camera coverage, safes, and sprinklers materially improve Property/Crime appetite and pricing.
Closed-loop systems, ventilation, certification, housekeeping logs, and third-party inspections help eligibility and limit loadings for processors/labs.
Stage values, environmental monitoring, and business income needs influence both Property and Crop pricing.
Dispensaries
Retail Priorities
- GL & Product with landlord-friendly endorsements; consider Umbrella for lease thresholds.
- Money & Securities (on-premises and in-transit) and Crime.
- Property & BI for tenant improvements, showcases, refrigeration, and downtime.
- HNOA for delivery/courier exposure; coordinate driver screening.
- Cyber for POS/PII, ID scanning, and online ordering.
Growers / Labs
Cultivation & Processing
- Crop (living plants & harvested material) and spoilage/contamination triggers.
- Equipment Breakdown for HVAC, dehumidification, and environmental controls.
- Products Liability plus Recall Expense and crisis management.
- Property for extraction rooms, blast relief, fire suppression, and housekeeping.
Dispensary Insurance — FAQs
Costs vary by state, security, revenues, and product mix. Smaller retail programs can start in the low thousands annually for GL, with full packages (GL, Product, Property/BI, Crime, Cyber, Umbrella) priced by values and limits. We’ll scope to meet lease requirements first, then right-size add-ons.
GL & Product Liability, Property & Business Income, Crime/Money & Securities, Cyber, HNOA for delivery, Workers’ Comp, and an Umbrella that satisfies landlord/lender limits.
Yes—private-market solutions can insure living plants and harvested material, with attention to environmental controls and equipment breakdown triggers for cultivators and processors.
Yes. We build programs across the cannabis supply chain, including hemp/CBD retail and wholesale.
Commonly $1M/$2M GL with Additional Insured, Primary & Non-Contributory, and Waiver of Subrogation; HNOA when delivery is involved; and Umbrella requirements often ranging from $2M–$5M+.
A fire, water issue, or equipment failure can shut doors temporarily. Business Income helps cover lost revenue and ongoing expenses during covered downtime so operations can recover.
Yes—POS and ID scanning create PII exposure. Cyber provides incident response, forensics, notification/credit monitoring, ransomware support, and regulatory defense where insurable.
Absolutely. We align schedules, endorsements, shared/segregated limits, and renewal calendars across locations to reduce admin friction.
Note
Availability and eligibility vary by state and carrier appetite. We’ll be transparent if a specific coverage is limited or requires surplus lines solutions.
Start Your Quote
Send us your lease requirements, SOPs, and values—our team builds a clean, state-aware program that meets compliance without overspending.