Cannabis
Dispensaries, cultivators, manufacturers, and distributors in state-legal cannabis.
The exposure
Cannabis firms face product-liability, theft, crop, and premises exposure while operating under a federal-illegality overhang that restricts admitted carriers and banking. State licenses often mandate minimum GL and product-liability limits.
Coverages this class usually needs
National benchmark premiums
Rated on: Revenue and location type
Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.
Sources: Insureon (Cannabis cost); Insurance Canopy; NAIC; Frontier Risk.
Where this risk gets hard to place
Cannabis is almost entirely a surplus-lines market due to federal illegality; admitted carriers largely decline, limits are often capped at $1M/$2M, and coverage is restrictive (NAIC).
Talk to us about Cannabis.
Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.