CANNABIS RELATED BUSINESS INSURANCE
State-by-State Notes for Cannabis, Hemp & CBD Insurance
Tailored insurance for dispensaries/retailers, growers/cultivators, manufacturers/processors, labs/testers, distributors/wholesale, and delivery fleets—plus CBD retailers and industrial hemp.
Visual (safe): Collage of secured cultivation, compliant packaging, lab instrumentation. No consumption imagery. Adults only context.
Find Your State
Pennsylvania (PA) — Retailers, Growers, Labs, CBDGeo keywords included
Compliance posture: Use neutral, age-restricted messaging; avoid medical claims; ensure age-gated site access where appropriate. Confirm local rules for signage and proximity to schools/parks.
- Retail/Dispensary: GL, product liability, property, crime, cyber; delivery (if applicable) may require commercial auto/HNOA.
- Growers/Cultivators: Property/equipment, crop/living plants (where available), GL, products (for branded goods), equipment breakdown.
- Labs/Testers: GL, property, professional/E&O, cyber, inland marine for scheduled equipment.
- Distribution/Delivery: Commercial auto, inland marine/cannabis cargo, GL, products if private-label.
- Workers Comp & Umbrella: Available subject to underwriting appetite.
Oregon (OR) — Dispensaries, Growers, Processors, LabsGeo keywords included
Compliance posture: Neutral tone, adult-use framing, no health/medical claims, age-gated access. Review local signage and advertising limits.
- Retail: GL/products, property (stock/TI), crime, cyber; delivery may require auto/HNOA.
- Cultivation & Hemp: Property, crop (where available), GL, equipment breakdown, products if branded.
- Labs: GL, E&O/professional, property, cyber.
- Supply Chain: Inland marine and cannabis cargo for inter-facility transport.
California (CA) — Retail, Delivery, Manufacturing, LabsGeo keywords included
Compliance posture: Strict ad rules; avoid youth-appeal and medical claims; verify local licensing and platform policies.
- Retail/Delivery: GL/products, property, crime, cyber, auto/HNOA for delivery fleets, umbrella.
- Manufacturing/Brands: Product liability, property/stock, equipment breakdown, recall/withdraw (where available), cyber.
- Labs/Testers: GL, professional/E&O, property, cyber, inland marine for high-value instruments.
- Workers Comp: Appetite varies by class; strong SOPs can help.
Colorado (CO) — Mature Market Ops & LabsGeo keywords included
Compliance posture: Mature regulatory framework; maintain neutral, age-gated messaging; avoid health claims.
- Retail: GL/products, property, crime, cyber.
- Cultivation: Property, crop (where available), GL, breakdown.
- Distribution: Auto/HNOA, inland marine/cargo.
Michigan (MI) — Retail, Processing, Grow, LabsGeo keywords included
Compliance posture: Use adult-use framing, neutral factual content, age-gating, and platform-safe wording.
- GL/products, property/equipment, crop (where available), auto/HNOA, cargo, cyber, workers comp.
Massachusetts (MA) — Retailers, Labs, DeliveryGeo keywords included
Compliance posture: Follow state ad limits, maintain neutral tone, verify delivery permissions and local rules.
- Retail & delivery: GL/products, property, cyber, auto/HNOA; labs: GL, E&O, property, cyber.
New York (NY) — Retail, Conditional Licensing, Supply ChainGeo keywords included
Compliance posture: Observe evolving rules; avoid youth-appeal language/imagery; neutral, factual tone; age-gated access.
- Retail: GL/products, property, crime, cyber; supply chain: cargo/inland marine, auto/HNOA.
New Jersey (NJ) — Adult-Use Retail & GrowGeo keywords included
Compliance posture: Adhere to adult-use guidelines; neutral wording; avoid medical benefit claims.
- Retail/grow: GL, product liability, property, breakdown, workers comp; transport: auto/HNOA, cargo.
Arizona (AZ) — Retail, Cultivation, ManufacturingGeo keywords included
Compliance posture: Adult-use context; neutral copy; confirm local ad rules.
- GL/products, property, auto/HNOA for delivery if permitted, cyber, workers comp, umbrella.
Washington (WA) — Retail, Processing, LabsGeo keywords included
Compliance posture: Follow strict ad standards; neutral, factual content; no health claims.
- Retail/processing: GL/products, property, breakdown, cyber; labs: GL, E&O, property; cargo for distribution.
Illinois (IL) — Adult-Use Retail, Grow, LabsGeo keywords included
Compliance posture: Adult-use messaging with age-gating; confirm signage/marketing limits.
- Retail/grow/labs: GL/products, property, cyber, breakdown; distribution: cargo/auto/HNOA.
Nevada (NV) — Retail, Hospitality Adjacencies, DistributionGeo keywords included
Compliance posture: Extra care with tourist audiences; neutral/age-restricted content; avoid promotional excess.
- Retail/distribution: GL/products, property, cyber, cargo, auto/HNOA, workers comp, umbrella.
Florida (FL) — Medical Retail, Grow, Processing, LabsGeo keywords included
Compliance posture: Medical-program context; avoid medical benefit claims; use factual, neutral copy; verify platform rules.
- Retail/grow/processing/labs: GL/products, property, cyber, breakdown, workers comp; distribution: cargo/auto/HNOA.
Oklahoma (OK) — Growers, Processors, Retailers, LabsGeo keywords included
Compliance posture: Maintain neutral, adult-only framing; verify evolving requirements for advertising and licensing.
- GL/products, property, crop (where available), cargo/inland marine, auto/HNOA, cyber, workers comp.
Missouri (MO) — Adult-Use Retail & Grow, LabsGeo keywords included
Compliance posture: Adult-use rules; neutral copy; verify any local ad restrictions.
- Retail/grow/labs: GL/products, property, cyber, breakdown; distribution: cargo/auto/HNOA; umbrella.
Maryland (MD) — Adult-Use Retail, Grow, LabsGeo keywords included
Compliance posture: Adult-use framework; neutral, age-restricted language; avoid health claims.
- GL/products, property/equipment, cyber, workers comp; delivery/transport: auto/HNOA and cargo.
Coverage Menu (Pick & Mix)
- Cannabis General Liability Insurance & Product Liability (CBD & hemp)
- Property/Equipment • Equipment Breakdown • Crime • Cyber
- Crop/Living Plants (where available) • Recall/Withdraw (when offered)
- Commercial Auto • Hired/Non-Owned Auto • Inland Marine • Cannabis Cargo Insurance
- Workers Compensation • Umbrella/Excess • Event Liability
- Labs/Testers: Professional Liability (E&O) • Inland Marine (scheduled instruments)
Let’s Build Your Program
Tell us your state, license type (retail, grow, processing, lab, distribution, delivery), locations, annual revenue, product profile (THC/CBD/hemp), security/SOPs, and desired limits. We’ll approach appropriate markets (no affiliation implied) and return options.
Discovery Keywords (Compliant Presentation)
Presented for discoverability; not claims. We serve retailers, growers, processors, labs/testers, distributors, delivery fleets, CBD stores, and industrial hemp.
Important Disclaimers
- No medical claims are made on this page.
- For licensed businesses operating in legal jurisdictions only.
- Coverage availability varies by state and underwriting; not all coverages are available in all areas.
- References to third-party market names are for awareness only—no affiliation or endorsement is implied.
- This content is informational and not legal advice; always review current state rules and platform policies.
Talk With Us
We’ll help you navigate underwriting and messaging that stays neutral, adult-use oriented, and platform-safe—while protecting your balance sheet.