Seed-to-sale operations
Cultivation, processing, manufacturing, distribution, delivery, laboratories and dispensaries each open the questions tied to their actual work.
Cannabis Business Insurance
One detailed application for cannabis and hemp operations, from dispensaries and cultivation to manufacturing, testing and delivery.
We shop the market for you, no broker fees
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
CARMA
Cannabis and hemp package
Blitz
Cannabis operators package
Kinsale
Seed to sale primary and excess
CannGen
Cannabis package and specialty lines
SafeHerb
Seed to sale commercial coverage
Cannasure / One80
Cannasure cannabis programs
Admiral
Cannabis casualty
Starwind
Cannabis program administration
What the cannabis market can evaluate
Up to $10 million TIV per location
The captured package program can consider up to $10 million in total insured value at one location, with schedules for multi-location operations.
Property, liability and specialty lines
The application can describe property, stock throughput, general and products liability, excess, workers compensation, management lines, cyber and commercial auto needs.
Licensing and security matter
Operating licenses, security controls, product handling and loss history stay attached to the exact entity and location the underwriter is reviewing.
How it works
10 minute 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.
The operation decides which coverage sections matter
A cannabis operation can look like several businesses sharing one address. A dispensary, grow operation, testing laboratory and extraction business do not present the same risk. The application opens only the captured sections connected to the operations and coverages selected.
Locations stay separate
Each building carries its own construction, protection, security, renovation and value details so a multi location schedule remains reviewable.
Coverage sections can be declined
Property, crop, inland marine, cultivation, delivery, extraction, auto and products sections can be included or declined without inventing answers for an exposure the applicant does not have.
Baseline branches follow the captured application
Grow method, lighting, delivery, extraction, product testing and prior coverage answers reveal their documented follow up questions in the same shared Menlo interface.
Cannabis operations represented in the current application
- Adult use and medicinal dispensaries
- Cultivators and indoor crop operations
- Manufacturing, processing and extraction
- Laboratories and product testing
- Delivery, distribution and wholesale operations
- New ventures and established cannabis businesses
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- 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
Text us. We're by your side.
Questions we get asked
Do I have to complete every coverage section?
No. The application lets you decline sections that do not apply. Sections you keep open collect the specific facts needed for that exposure.
Can the application handle more than one location?
Yes. Location details repeat so each building, its operations and its property values remain separate in the submission.
Can a new cannabis venture start this application?
Yes. The captured program accepts new cannabis and hemp ventures, but licenses, projected operations and requested coverage still require underwriting review.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
What actually happens after I start a quote?
You answer a short set of questions, and a licensed broker at Menlo reads them, maps your operation to a class, and shops it with the carriers we are appointed with. There is no instant bind and no black box. You talk to a person before anything is quoted.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.