From seed to sale
The programs write growers, processors, manufacturers, distributors, delivery services, labs and dispensaries. You only answer the questions for the work you do.
Cannabis Business Insurance
Get your dispensary, grow, lab or delivery business quoted with one application. We send it to several insurers.
Every annual license from the Department of Cannabis Control (DCC) except an event organizer's needs a surety bond of at least $5,000 per licensed premises on DCC Form 8113, and distributors must also carry general liability of $1 million per loss and $2 million aggregate. We place cannabis property, general and products liability with Blitz and CARMA, with property up to $10 million per location.
- DCC license types we insure
- Cultivation, manufacturing including extraction, Type 11 and Type 13 distributors, Type 9 and Type 10 retailers, Type 12 microbusinesses and Type 8 testing labs
- State license bond
- A surety bond of at least $5,000 per licensed premises on DCC Form 8113 for every annual license except event organizers (4 CCR section 15002), which we can request with the application
- State insurance rule
- Distributors must carry general liability of at least $1 million per loss and $2 million aggregate
- Typical limits
- General and products liability up to $1 million per occurrence and $2 million aggregate, property up to $5 million per location with Blitz and up to $10 million with CARMA
- Starting price
- Blitz general liability starts at $500 per location plus taxes and fees
- Programs we use
- Blitz cannabis operators and the CARMA cannabis and hemp program, for businesses with sales up to $15 million on Blitz, including new ventures on CARMA
We shop the market for you, no broker fees
Businesses and coverage we can submit
Up to $10 million per location
One package program we submit to can consider up to $10 million in total insured value at a single location. It takes a schedule if you have several.
Property, liability and more
You can ask about property, stock in transit, general and products liability, excess, workers comp, management liability, cyber and commercial auto.
Licenses and security count
Insurers look at your licenses, your security, how you handle product and your loss history, for the exact business and location being insured.
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
Tell us what you actually do
Insurers ask a dispensary very different questions than they ask an extraction lab. Tell us what goes on at each location and what you want covered. The broker then follows up only on what applies to you.
Each location gets its own details
If you have more than one building, you describe each one separately: how it's built, fire protection, security, recent work and values. Nothing gets mixed up on the schedule.
Only ask for what you need
Pick the coverage you want, whether that's property, crop, equipment, delivery or liability. Skip anything that doesn't apply. The broker goes over the available terms with you.
Have your operation's details handy
If they apply to you, have details ready on your grow and lighting, delivery, extraction, product testing and past insurance.
Your DCC licensee bond
Say yes and we request the $5,000 licensee bond with your application. A bond specialist reviews each request.
Cannabis businesses the application covers
- Adult use and medicinal dispensaries
- Cultivators and indoor crop operations
- Manufacturing, processing and extraction
- Laboratories and product testing
- Delivery, distribution and wholesale operations
- New and established cannabis businesses
Review the business's other insurance needs
Each of these is a separate request. Not every insurer will take cannabis work on every line, so the broker checks each one.
Workers compensation
Identify employees, their work and payroll for a separate workers compensation review.
Cyber insurance
Review the business's data, systems and cyber protection needs.
Commercial auto insurance
Describe business vehicles, drivers and delivery activities.
What sets the price
Some cannabis programs start at $500 per location plus taxes and fees for general liability alone. Products liability, property, the number of locations and your sales set the actual price.
- Business operations and license information
- Location construction, protection and security
- Property, stock, crop and equipment values
- Cultivation, delivery and extraction methods
- Products, prior insurance and loss history
Questions we get asked
Do I have to complete every coverage section?
No. Skip the sections that don't apply to you. The ones you keep only ask for what that coverage needs.
Can the application handle more than one location?
Yes. You add each location on its own, with its building, what happens there and its values.
Can a new cannabis venture start this application?
Yes. A new cannabis or hemp business can describe what it plans to do. The insurer still reviews your licenses, your plans and the coverage you ask for.
Can you also get my $5,000 DCC licensee bond?
Yes: the application asks if you need it. Say yes and we request the bond through our Goldleaf bond program along with your application. A bond specialist reviews each request, so approval isn't guaranteed.
Can you write this where my business is?
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.