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Cannabis Business Insurance
Protect your cannabis business with the right insurance for your risks.
Cannabis Dispensary
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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
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.
Many states require cannabis businesses to carry a surety bond as part of their licensing requirements. A bond guarantees that your business will fulfill the terms of its contracts and pay its suppliers.
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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