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How do I get cannabis business insurance?
It's easy to get free quotes for cannabis business insurance by filling out our online application with basic facts about your business.
Once you find the right policy, you can begin coverage in less than 24 hours and get proof of insurance online the same day.
Our licensed insurance agents work with top-rated U.S. carriers to find coverage that matches your risks and budget. If you have questions, you can contact our dedicated cannabis insurance specialist to get started.
Recommended insurance policies for cannabis businesses
Theft of merchandise or a client slipping on a wet floor could financially devastate a small cannabis business. Insureon helps you find the insurance you need to survive the unexpected and comply with state laws.
General liability insurance
State laws may require cannabis businesses to carry this coverage. It provides financial protection against common accidents, such as a slip-and-fall injury in a cannabis dispensary.
BEST FOR
- Slip-and-fall injuries
- Damaged customer property
- Accusations of libel or slander
Product liability insurance
This policy covers legal defense costs if a product harms a customer or damages their property. It's recommended for growers, sellers, and distributors of cannabis products.
BEST FOR
- Adverse effects from marijuana or CBD
- Damaged customer property
- Pesticide contamination
Commercial property insurance
This policy covers the cost of replacing or repairing your business property if it is stolen, damaged, or destroyed. It's often required for a commercial lease.
BEST FOR
- Theft of cannabis products
- Fire at a cannabis dispensary or CBD store
- Commercial lease requirements
Commercial auto insurance
This policy covers the legal costs and property damage in accidents involving your cannabis business's vehicle. It also covers vehicle theft and vandalism.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Vehicle repairs due to weather or vandalism
Workers’ compensation insurance
Most states require workers' comp for any business that has employees. It also protects sole proprietors from work injury costs that personal health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal cost from lawsuits
Surety bonds
A bond guarantees your cannabis business will fulfill the terms of its contracts and pay its suppliers. Many states require a surety bond as part of licensing requirements.
BEST FOR
- Compliance with laws
- Fulfilling license requirements
- Breach of contract
Looking for different coverage? See more policies.
What are the insurance requirements for cannabis businesses?
As legalization of marijuana spreads, each state is establishing its own laws for cannabis insurance.
State laws typically require general liability insurance for all businesses in the cannabis industry, from cultivators to dispensaries. You'll need to research the laws in your state to find out how much general liability coverage you need.
The specifics of your cannabis operations will determine other types of insurance coverage you need. For example, your landlord may require you to carry commercial property coverage.
If you run a dispensary, you can complete Insureon’s easy online application to get quotes from top U.S. carriers. For other cannabis businesses, you can call our dedicated agent to find insurance quotes for your budding business.
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