Request a Business Auto Quote Call (916) 967-7715
What cannabis business auto insurance covers
Cannabis Business Auto Insurance is a protective cannabis insurance as it provides coverage in the event of an at-fault accident, covering injuries and damages for third parties. It offers comprehensive and collision coverage, covering any damages to your work vehicle, regardless of fault. Business Auto also insures you in the event you are hit by a third party without insurance.
As a cannabis business owner, whether you own a cannabis delivery service, a cannabis collective, or a dispensary, it is important for you to know that a regular business auto policy may not cover you and the items you are transporting unless you disclose that you are transporting cannabis, or you work with a cannabis operation. There are very few insurance carriers who will provide insurance for cannabis businesses which is why it is extremely important to work with an agent who specializes in the industry. Also, many business owners believe that personal auto policies will suffice; however, that is not the case. Keep in mind that if you, your employees, or hired help is using their vehicle for work (whether they own it or not) it is paramount for you to have the right policy in place in order to ensure coverage.
If you want to make sure your transported product is fully protected, be sure to ask one of our cannabis insurance specialists about Cargo Coverage as well!
Who this coverage is for
Cannabis businesses that own, lease or use vehicles for deliveries, transport between licensees or other errands, including employee-owned vehicles used for work.
What drives your premium
We don’t publish prices because every quote depends on underwriting. Carriers mainly look at:
- Number and type of vehicles and how they are used
- Driver records and experience
- Radius of operation and where vehicles are garaged
- Product carried and vehicle security
- Claims history, limits and deductibles you choose
Cannabis business auto insurance FAQ
What does cannabis business auto insurance cover?
It covers liability for injuries and damage to others when your business vehicle is at fault, and it can include comprehensive and collision coverage for damage to your work vehicles and coverage if you are hit by an uninsured driver.
Will a personal auto policy cover employees who drive for my cannabis business?
Usually not. Personal auto policies often exclude or limit business use, and a standard business auto policy may not respond if the carrier was not told you transport cannabis. Ask about hired and non-owned auto coverage for employee-owned vehicles used for work.
What affects the cost of cannabis business auto insurance, and how do I get a quote?
We don’t publish prices because every quote depends on underwriting. Carriers mainly look at the number and type of vehicles and how they are used, driver records, your radius of operation and where vehicles are garaged, the product you carry and vehicle security, and your claims history, limits and deductibles. Request a quote or call (916) 967-7715, and a licensed agent will review your operation. The Cannabis Coverage Company has written cannabis insurance since 2009, is part of Lions & Coventry and is licensed in all 50 states, so we can quote licensed operators nationwide.
Why cannabis businesses work with The Cannabis Coverage Company
- Writing cannabis insurance since 2009
- Licensed in all 50 states (CA Lic. #0G22084)
- Part of Lions & Coventry Insurance Services
- One agency for liability, property, auto, workers’ comp, cargo and bonds
We work with cannabis businesses nationwide from our office at 7816 Uplands Way, Ste C, Citrus Heights, CA. Request a quote or call (916) 967-7715.