Marijuana Insurance & What it Can Cover:

Below are a few of the basic coverages and what they cover.

*The below is just a guideline as to what insurance "may" cover. Your policy and its wording could differ. 

Marijuana Insurance provides comprehensive insurance coverage options for businesses operating in the cannabis industry. Protect your investments with a business insurance program uniquely designed for your industry and your business needs.

• General & Product Liability (State Requirements)
• Cannabis Workers' Compensation
• Equipment Breakdown
• Business Property
• Loss of Income
• Money and Securities
• Employee Dishonesty
• Glass Coverage
• Tenant Improvements
• Computer Equipment

Marijuana crop insurance coverage for small, medium and enterprise-level cultivation operations, including greenhouses and nurseries:

• General Liability Coverage
• Workers Compensation
• Buildings/Equipment/Crops
• Transit/Delivery Coverage
• Theft/Fire/Vandalism
• Wind/Hail/Falling Objects
• Other Standard Perils
• Finished Stock/Marijuana

Marijuana Insurance offers a range of insurance options for dispensaries, collectives, cooperatives and caregivers including:

• General Liability Coverage
• Property Insurance
• Commercial Vehicle Coverage
• Workers’ Compensation
• Payroll Services

Cannabis product developers and commercial kitchens face challenges unique to the cannabis industry. From product liability to stock coverages, Marijuana Insurance understands the intricacies and details of running and insuring a cannabis business.

• Equipment Breakdown
• Stock Spoilage
• Business Property
• Finished Stock, Marijuana Theft and Fire
• In-Transit/Cargo Coverage
• Product Liability Coverage

The transport and delivery of marijuana stock and related products poses challenges unique to the Cannabis Industry. Don't risk your inventory with inadequate auto coverage. MMD/MMJ Insurance has designed commercial auto coverages specifically for recreational and medical cannabis businesses.

• Limits $15/30 to $1 Million – CSL
• In-Transit/Cargo
• $100-$10,000 Product/Money
• Hired and Non-Owned
• Workers Compensation
• Finished Stock/Marijuana
• Employee Dishonesty

Legal Defense Costs Reimbursement applies to arrest or charges brought against the insured by a Governmental Authority arising from the possession, transportation, cultivation or distribution of marijuana or marijuana derivatives and for which the insured pleads not guilty and believes they have a legal right to do so under state and local guidelines. The insurer becomes liable to pay incurred fees no sooner than 60 days after the earliest of the following:

• Insured pleads "not guilty" to all charges
• The charges are dismissed
• Insured is found not guilty of all charges