Cannabis Insurance

Apply Today for Cannabis Crop & Dispensary Insurance
Get A Free Quote

Cannabis Insurance With Insurance Canopy

Canopy is at the forefront of cannabis insurance, providing quality, affordable insurance for cannabis-related businesses amidst the industry’s ever-changing legal landscape. Canopy offers property insurance, crop coverage, general liability, product liability, and inland marine coverage to a variety of businesses, from marijuana growers and cultivators to bakeries, medical offices, CBD oil businesses, and more.

Our Partners
logo of Hanover Insurance Group logo of The Hartfor Carrier logo of Great American Insurance Group logo of  Mid-Continent Group logo of Progressive logo of USLI
An insured purple flower with THC crystals grows with cannabis insurance for crops and dispensaries
Leading Coverage
  • Comprehensive Property Limits up to $100,000
  • Trade Show & Special Event Coverage Available
  • Product Liability Limits of $100,000/$300,000 Aggregate
  • Cash in Transit Coverage up to $250,000 Available
  • Claims-Made Forms
  • Startups & New Ventures Welcome
Get A Quote
A bubbler and a nugget of cannabis rest tastefully on a book having been sold with cannabis crop & dispensary insurance
Industries We Work With


  • Bakeries & Manufacturers of Cannabis-Infused Products
  • Cannabis Consultants
  • Marijuana Cultivation Contractors
  • Delivery & Distributors of Cannabis Products
  • Marijuana Dispensaries
  • Indoor, Outdoor, & Greenhouse Cannabis Cultivators
  • Laboratories
  • Medical Offices
  • Private Chef/Instructors of Cannabis-Infused Cooking Classes
  • Cannabis Processing Operations
  • Retail CBD Stores
  • Schools
  • Warehouses
These are just some of the industries and highlights included in our cannabis insurance policies. Our policies are adaptable to thousands of other industries and products and include many other benefits. If you have a question about your business’s fit with Canopy, contact us.


Questions About Insurance for Cannabis-Related Businesses

Cannabis dispensary insurance, Commercial General Liability (CGL), is insurance for those who produce, manufacture, distribute, or sell industrial products—such as cannabis, CBD, hemp, and related products. If your product causes bodily injury or property damage to another person or piece of property, you could be held responsible for the costs associated with those damages.

Commercial General Liability insurance can protect your business from claims arising from your industrial products that have been sold in the marketplace. Every product carries unique risks, and Insurance Canopy can help protect you against those risks.

Get A Free Quote

Your risk profile depends largely upon the structure and the operations of your business. Once you fill out our application, a licensed insurance agent can assess your needs and recommend an insurance portfolio that gives you comprehensive coverage. Check out the sections below to learn more about each insurance type for your business:

General Liability: Protects the commercial insureds from claims such as bodily injury on business property, property damage, and personal and advertising injury.

  • Occurrence - "A+ Rated" Carrier
  • Up to $2.0M /$2.0M Occurrence/Aggregate
  • Pesticide and Herbicide Applicators Endorsement
  • Waiver, Primary, and Non-Contributory Endorsements


Product Liability: Protects you against claims made due to property damage, illness, injury, or death caused by the use of your product.

  • Claims Made – "A Rated" Carrier
  • $1M /$2M Occurrence/Aggregate
  • Product Withdrawal Endorsement


Excess Liability: Provides additional limits of insurance.

  • Occurrence - "A+ Rated" Carrier
  • Up to $4M Limits
  • Up to 5 years Retro Date


Property: Covers your business’s building(s) and the contents within from loss or damage sustained from a peril, such as a fire or explosion. Also encompasses inland marine, boiler, machinery, and crime insurance.

  • ISO Property Forms – "A+ Rated" Carrier
  • Up to $10M Property Limits Per Location
  • Property Endorsements - Including Transit/Cargo
  • Stock Throughput Options



  • Non-Admitted Carrier – "A+ Rated"
  • Up to $10M Living Plants
  • Stock Throughput Options


Equipment Breakdown:

  • Admitted Carrier – "A+ Rated" Carrier
  • Up to $10M Limits
  • Loss of Business Income
  • Reputational Recovery
  • Data Compromise


Workers Compensation: Benefits provided by an employer to an employee (or family) due to job-related injuries (including death) because of an accident or occupational disease.

  • All 50 States
  • Classification Minimum Premium May Apply


Cyber Liability Insurance: Protects your business’s sensitive information in the case of malware attacks, phishing scams, and ransom attacks. Cyber Liability Insurance also protects your client’s private information in the case of a data breach or cyber attack.

We know insurance can be confusing, and picking the right coverage for your business is important. Live chat with us below, or talk to a verified agent atGet A Free Quote

Every business is different and no two crops are the same. For example, cannabis dispensary insurance coverage and commercial liability insurance for industrial CBD/Hemp will most likely require different types of coverages. Your insurance plan will be tailored to meet the needs of your business. The price depends on a variety of factors, such as, but not limited to:

  • Size of your business
  • Sales revenue
  • Coverage amount desired


Get A Free Quote!

One of the main issues business owners face are concerns around liability arising from their products and operations. Under the definition of “strict liability,” a person who is injured by a product may be entitled to compensation for their injuries without showing that the manufacturer or seller of the product was actually negligent. Attorneys' costs, court fees, medical bills, and settlement costs can accumulate at a staggering rate. Not having liability coverage puts everything you have built at risk.

Additionally, many mainstream insurance carriers will not offer coverage to cannabis-related businesses because of the higher risks. This leaves your business vulnerable to both first-party and third-party lawsuits. Insurance Canopy offers you the necessary coverage to safeguard your business and strengthen your risk management plan.

Get A Free Quote

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

A woman vapes insured cannabis.

Need additional information before making a decision?

Give our team a call today at 888.600.0894


Cannabis Crop & Dispensaries

Grow Your Business and Reduce Your Risk - knowing that you’re getting coverage from A rated insurance carriers. You can have peace of mind knowing you have the coverage your business needs.