Compliance notice: For licensed adult-use and medical cannabis, hemp, and CBD businesses in legal jurisdictions only. No medical claims. No offers to sell cannabis. Availability varies by state and underwriting.
Insurance For Cannabis-Related Businesses, State By State.
Cannabis is regulated one jurisdiction at a time — so the coverage has to be too. KIG places programs for licensed dispensaries, growers, manufacturers, labs, distributors, and delivery fleets, with neutral, platform-safe messaging and access to specialty markets. Hard-to-place welcome.
Find Your State. See The Posture & The Stack.
Tap a state to load its compliance posture and the coverage lines we start with for retail, cultivation, processing, labs, and distribution. Use the search to jump straight to a market.
No mapped state matches that search. Call (412) 212-2800 — we place coverage nationwide.
Compliance Posture
Coverage Lines We Start With
Built For The Whole Supply Chain.
From seed to shelf, each operator type carries a different risk profile. We match the program to the license.
Dispensaries & Retailers
GL, product liability, property, crime, and cyber — plus commercial auto or HNOA where delivery is permitted.
Growers & Cultivators
Property and equipment, crop or living plants where available, GL, branded products, and equipment breakdown.
Manufacturers & Processors
Product liability, property and stock, equipment breakdown, recall or withdraw where offered, and cyber.
Labs & Testers
GL, professional liability and E&O, property, cyber, and inland marine for scheduled instruments.
Distribution & Delivery
Commercial auto, hired and non-owned auto, inland marine and cannabis cargo, GL, and private-label products.
CBD Retail & Industrial Hemp
CBD product liability, retail GL and property, and hemp grower exposures — framed neutrally and platform-safe.
Pick & Mix The Program.
A cannabis account rarely needs just one line. Availability varies by state and underwriting — we assemble what fits.
General Liability
Third-party bodily injury and property damage exposure.
Product Liability
For cannabis, CBD, and hemp goods placed in commerce.
Property & Equipment
Buildings, stock, tenant improvements, and gear.
Equipment Breakdown
Mechanical and electrical failure of critical systems.
Crime
Theft, employee dishonesty, and cash-handling exposure.
Cyber & Data Breach
POS breaches, ransomware, and customer data exposure.
Crop / Living Plants
Where available, for cultivation operations.
Recall / Withdraw
When offered, for branded and private-label products.
Commercial & Non-Owned Auto
Owned fleets and HNOA for delivery where permitted.
Inland Marine / Cargo
Cannabis cargo for inter-facility transport.
Workers Compensation
For staff, subject to class and underwriting appetite.
Umbrella / Excess
Additional limits over primary liability lines.
Tell Us About Your Operation.
Cannabis underwriting rewards detail. The more we know about your license, footprint, and controls, the better we can approach the right specialty markets and return options that actually fit. Here is what helps us move fast:
- State and license type — retail, grow, processing, lab, distribution, or delivery
- Locations and number of sites
- Annual revenue and projected growth
- Product profile — THC, CBD, hemp, or a blend
- Security and standard operating procedures
- Desired limits and any contractual or regulatory requirements
We approach appropriate markets — no affiliation implied — and keep all messaging neutral, adult-use oriented, and platform-safe while protecting your balance sheet.
Two Ways To Start
Send the details above and we will route your risk to carriers with appetite for your class and jurisdiction, then return options.
Start A Quote Book An AppointmentCannabis Insurance FAQ.
Who Can KIG Place Cannabis Insurance For?
Licensed adult-use and medical cannabis, hemp, and CBD businesses operating in legal jurisdictions: dispensaries and retailers, growers and cultivators, manufacturers and processors, labs and testers, distributors and wholesale, delivery fleets, CBD retailers, and industrial hemp operations.
What Coverages Do Cannabis Businesses Typically Carry?
Common lines include general liability, product liability, property and equipment, equipment breakdown, crime, cyber, crop or living plants where available, recall or withdraw where offered, commercial auto, hired and non-owned auto, inland marine and cannabis cargo, workers compensation, and umbrella or excess. Availability varies by state and underwriting.
Does Coverage Availability Vary By State?
Yes. Cannabis remains state-regulated, so eligible classes, available coverages, and underwriting appetite differ by jurisdiction. Our state-by-state explorer outlines the compliance posture and coverage lines we start with in each market we map.
Do You Cover Delivery And Transport Exposures?
Where delivery is permitted, we place commercial auto, hired and non-owned auto, and inland marine or cannabis cargo for inter-facility transport, subject to state rules and underwriting.
What Information Do You Need To Start A Quote?
Your state, license type (retail, grow, processing, lab, distribution, delivery), locations, annual revenue, product profile (THC, CBD, hemp), security and standard operating procedures, and desired limits. We approach appropriate markets and return options.
Does This Page Make Any Medical Claims?
No. This page makes no medical claims and is intended for licensed businesses operating in legal jurisdictions only. Content is informational, not legal advice. Always review current state rules and platform policies.
Keep Exploring.
Dispensary Insurance
Retail-focused coverage for storefront and delivery operations.
Learn More ›Cannabis Insurance FAQs
Deeper answers to the questions operators ask most.
Learn More ›More On Cannabis, Hemp & CBD
Additional detail across the cannabis insurance program.
Learn More ›Cyber & Data Breach
POS breaches, ransomware, and customer data exposure.
Learn More ›Product Recall
Recall and withdraw exposure for manufacturers and brands.
Learn More ›Management Liability
D&O, EPLI, and the financial lines behind the business.
Learn More ›Commercial Umbrella
Excess limits layered over your primary liability.
Learn More ›Environmental / Pollution
Site and operational pollution exposure for cultivation and processing.
Learn More ›All Intake Forms
Start the paperwork for any KIG specialty program.
Learn More ›Specialists Behind The Coverage.
Hard-to-place is our specialty. Get to know the team, our history, and how to reach your account once you are placed.
Let's Build Your Cannabis Program.
Tell us your state, license type, and product profile. We will navigate underwriting and keep messaging neutral, adult-use oriented, and platform-safe — while protecting your balance sheet.
Call Or Text (412) 212-2800Important 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 any 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.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.