CANNABIS RELATED BUSINESS INSURANCE
Cannabis, Hemp & CBD Insurance — FAQ by State (U.S.)
Use the selector to jump to your state’s FAQs. Each section covers dispensaries/retail, growers/cultivation, processors/manufacturers, labs/testing, wholesale/distribution, delivery/transport, CBD retail/e-commerce, hemp farms/industrial hemp, and events/trade shows with pricing drivers and coverage notes.
Jump to Your State
Frequently Asked Questions — National Guidance
How much is insurance for a dispensary?
Pricing is state- and city-dependent. Typical drivers include sales volume, inventory values, physical security (vaults, safes, guards, camera coverage), delivery operations, and selected limits. Small CBD stores may see GL near $1,000–$2,500 annually; full THC retailers add product liability, property, workers comp, cyber, and possibly umbrella, which increases total premium.
Is cannabis crop insurance mandatory?
No. Crop/Living Plant coverage is optional and availability varies by market. Lenders/investors may require it. Policies often address perils such as fire or theft; mold/disease may be excluded or limited. We’ll confirm options for indoor, greenhouse, and outdoor cultivation.
Do standard policies cover cannabis, hemp, or CBD?
Standard commercial forms frequently exclude Schedule-I exposures. You need policies explicitly written for cannabis, hemp, or CBD operations. We review forms/endorsements to confirm coverage intent and help satisfy landlord/vendor requirements.
State-Specific FAQs & Coverage Notes
Neutral, age-gated messaging recommended. Availability varies by underwriting. No medical claims.
Dispensary/Retail
Retail operators typically secure General Liability, Product Liability, Property (stock, tenant improvements), Crime, and Cyber. Delivery (if allowed) adds Commercial Auto and HNOA. Pricing depends on revenue, security, and limits (e.g., $1M/$2M GL with product aggregates and Umbrella).
Growers/Cultivation
Coverage focuses on Property/Equipment, Equipment Breakdown, GL, and Crop/Living Plants where available. Controls for irrigation, environmental monitoring, and power redundancy support underwriting.
Processors/Manufacturers
Extraction and infused products increase Product Liability exposure. Add Property, Breakdown, Recall/Withdraw when offered, Cyber, and Umbrella for limit stacking.
Labs/Testing
Typical program: GL, Professional (E&O), Property for instruments, Inland Marine for scheduled equipment, and Cyber. Chain-of-custody documentation and accreditation help pricing.
Wholesale/Distribution & Delivery
Consider Inland Marine/Cannabis Cargo for goods in transit, Commercial Auto/HNOA, and GL/Products for warehousing. Telematics, driver MVR standards, and secure routing improve terms.
CBD Retail/E-commerce & Hemp Farms
CBD operations emphasize CBD Product Liability, labeling/COA controls, and Cyber. Hemp farms look at GL, Property/Equipment, and crop options where available; licensing is required.
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Neutral, adult-use framing; availability varies by underwriting.
Dispensary/Retail
GL, Products, Property, Crime, Cyber; delivery (if permitted) adds Auto/HNOA; Umbrella for higher limits.
Growers/Cultivation
Property/Equipment, Breakdown, GL; Crop/Living Plants where available; cold-weather controls and redundancy matter.
Processors/Manufacturers
Product Liability for concentrates/infused goods; Property & Breakdown; Recall (when offered); Cyber.
Labs/Testing
GL, E&O, Property, Inland Marine for instruments; Cyber; strict documentation.
Wholesale/Delivery
Inland Marine/Cargo, Auto/HNOA, GL/Products; secure routing in winter conditions.
CBD & Hemp
CBD Product Liability, GL, Property, Cyber; hemp licensing required for farming.
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Neutral language; confirm local advertising/signage rules.
Dispensary/Retail
GL & Products, Property, Cyber; delivery adds Auto/HNOA; Umbrella based on landlord/contract requirements.
Growers/Cultivation
Property/Equipment, Breakdown, GL; Crop where available; arid-climate controls for HVAC/irrigation.
Processors/Manufacturers
Product Liability, Property/Stock, Breakdown; Recall (when offered); Cyber; SOPs for extraction safety.
Labs/Testing
GL, E&O, Property & Inland Marine for instruments; Cyber; chain-of-custody protocols.
Wholesale/Delivery
Inland Marine/Cargo, Auto/HNOA, GL/Products; telematics & driver standards help pricing.
CBD & Hemp
CBD Product Liability, GL, Property, Cyber; hemp licensing required; THC threshold compliance.
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Neutral, adult-use framing; confirm evolving rules. Availability varies by underwriting and licensure.
Dispensary/Retail
Pricing drivers: location (Pittsburgh/Philadelphia vs. suburban), revenue, inventory/stock values, security hardware, and limits. Typical program: GL & Products, Property, Crime, Cyber, Workers Comp, and Umbrella; delivery (if applicable) adds Auto/HNOA.
Growers/Cultivation
Indoor/greenhouse operations often carry Property/Equipment, Breakdown, GL, and Crop/Living Plants where available. Redundancy for HVAC, power, and irrigation supports underwriting.
Processors/Manufacturers
Focus on Product Liability for concentrates/edibles, Property & Breakdown for extraction equipment, Recall/Withdraw when offered, and Cyber for data/PCI exposure. Umbrella helps meet vendor/landlord requirements.
Labs/Testing
GL, E&O, Property, Inland Marine (scheduled instruments), and Cyber. Chain-of-custody and accreditation improve terms; COA integrity is critical.
Wholesale/Distribution & Delivery
Use Inland Marine/Cannabis Cargo for product in transit, Auto/HNOA for fleets/drivers, and GL/Products for warehousing. Telematics + driver standards can reduce loss frequency and improve pricing.
CBD Retail/E-commerce & Hemp Farms
CBD retail needs CBD Product Liability, GL, Property, and Cyber (esp. e-com). Hemp farming requires licensing and looks at GL, Property/Equipment, and crop options where available.
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Neutral tone, adult-use context; check local signage/advertising rules.
Dispensary/Retail
GL & Products, Property, Crime, Cyber; delivery adds Auto/HNOA; Umbrella per landlord/venue requirements. Pricing reflects urban vs. rural market dynamics and security controls.
Growers/Cultivation
Property/Equipment, Breakdown, GL; Crop where available. Environmental controls for humidity and power redundancy are key.
Processors/Manufacturers
Product Liability for infused goods and concentrates; Property/Breakdown; Recall/Withdraw (when offered); Cyber.
Labs/Testing
GL, E&O, Property & Inland Marine for high-value instruments; Cyber; documented SOPs for testing protocols.
Distribution/Delivery
Inland Marine/Cargo for transport, Auto/HNOA for fleets; GL/Products for warehousing and vendor contracts.
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Strict advertising rules; neutral language; avoid youth-appeal; verify platform policies.
Retail/Delivery
GL, Products, Property, Cyber, Auto/HNOA for delivery fleets, and Umbrella. Landlord and marketplace contracts often require increased aggregates and AI/waiver wording.
Manufacturing/Brands
Product Liability for edibles, vapes, topicals; Property/Breakdown; Recall/Withdraw (when offered); Cyber/PCI. Robust batch/lot controls and warnings are vital.
Labs/Testing
GL, E&O, Property, Inland Marine, Cyber; accreditation and COA integrity weigh heavily.
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Build Your Insurance Program
Tell us your state, license type (retail, grow, processing, lab, distribution, delivery, CBD, hemp), locations, annual revenue, product profile (THC/CBD/hemp), security/SOPs, and desired limits. We’ll approach appropriate markets and return clear options.
Coverage Checklist
Availability varies by state and underwriting
General Liability Product Liability (CBD/Hemp) Property & Equipment Crop/Living Plants* Commercial Auto & HNOA Inland Marine & Cannabis Cargo Workers Compensation Cyber & Data Breach Event Liability Umbrella/Excess Professional (Labs/E&O)
*Where offered.