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What cannabis general liability covers
Quick answer: Cannabis general liability insurance helps protect a cannabis business from third-party claims of bodily injury (such as slips, trips and falls), property damage, and personal and advertising injury, such as slander, libel or copyright infringement. Depending on your state and your lease, it may be required. The Cannabis Coverage Company has written cannabis insurance since 2009.
Cannabis General Liability Insurance is a protective cannabis insurance, as it can protect you from a variety of claims including bodily injury (“slips, trips and falls”), property damage, personal injury and other situations that may arise including slander, libel, copyright infringement and more. Depending on what state you operate in, and your lease requirements, it may or may not required for your business.
Because General Liability is not always required, we understand the temptation to forgo the expense. As an insurance brokerage, we are also aware that the unforeseen happens more often than most realize, which is why we encourage business owners to put the right coverages in place in order to ensure a successful operation for years to come. A simple, single accident can quickly escalate into a lawsuit that is both time-consuming and costly. By obtaining Cannabis General Liability Insurance, you are investing in protection that is far less expensive than what may result if such an event occurs.
Licensed insurance agents at The Cannabis Coverage Company are devoted to helping business owners get the right coverages for their cannabis business. Contact us today to learn the best course of action for protecting your business and we will help you find a policy that fits your specific business needs.
Cannabis general liability insurance FAQ
Is general liability insurance required for a cannabis business?
It depends on the state you operate in and on your lease requirements, so general liability may or may not be required for your business. Even when it is not required, a single accident can quickly escalate into a lawsuit that is both time-consuming and costly.
Does cannabis general liability cover employee injuries?
No. General liability applies only to third parties, such as customers and visitors. Employee injuries and deaths are covered by workers’ compensation insurance.
What affects the cost of cannabis general liability insurance?
Pricing depends on your business. Common factors include your license type (for example, retail, cultivation, manufacturing or distribution), your location, your revenue, your claims history, and the limits you choose. For pricing based on your business, request a quote from The Cannabis Coverage Company.
Can The Cannabis Coverage Company place general liability nationwide?
Yes. The Cannabis Coverage Company has been writing cannabis insurance since 2009, is licensed in all 50 states and is part of Lions & Coventry, so we can help place cannabis general liability coverage for licensed cannabis businesses nationwide. Call (916) 967-7715 to start a quote.
State rules: See cannabis insurance requirements by state, with a link to the regulation or statute behind each summary.