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Why Cannabis Businesses Need Specialized Auto Insurance
Standard auto insurance policies typically exclude cannabis-related operations. Without a cannabis-specific policy, businesses risk being uninsured for accidents, theft, or damage during transport.
With CannGen's Cannabis Auto Insurance, you can:
- Protect your vehicles, drivers.
- Meet state compliance and filing requirements.
- Cover hired, owned, and non-owned vehicles used in your operations.
- Safeguard your business from lawsuits and unexpected financial losses.
Product Highlights
- Available in AZ, CA, CO, GA, ME, MI, NH, NM, NJ, OK, OR, VT & WA (with additional states to follow).
- Annual policy term for long-term stability.
- Backed by a Non-Admitted A.M. Best A+ XV rated carrier.
- Requires one supporting line of business (GL, Property, or Commercial Package).
Approved Vehicle Types
CannGen's auto program covers a wide range of vehicle classes, including:
- Private Passenger Vehicles
- Light Trucks & Vans
- Heavy Duty Trucks
- Semi-Trucks
- Trailer Coverage
- Fleets (up to 100 vehicles)
Coverage Options
(Depending on State)
- Liability (up to $1M/$1M)
- Comprehensive & Collision
- Hired & Non-Owned Auto (HNOA)
- Hired Auto Physical Damage
- Medical Payments and/or PIP Coverage
- Uninsured / Underinsured Motorist Coverage
- Towing & Labor
- Lease/Loan Coverage ($10K limit for new vehicles)
- Loss of Use
- Rental Reimbursement
- Mobile Business Interruption (up to $50K)
- Pollution Coverage
Appetite & Eligibility Criteria
- Must have an Active Cannabis License under Named Insured.
- Business must operate exclusively in states where cannabis sales/distribution/use is legal.
- New ventures welcome.
- 30% or more of total operations must involve cannabis-related services.
- Drivers must be 21+ with a valid license.
- Prior losses acceptable.
- Local, intermediate, and long-radius operations allowed.
- Vehicles must be registered under the business name.
- No interstate travel permitted.
- Requires contingent line (no monoline auto policies).
Ineligible Risks
- Independent contractors.
- Risks with broker operations.
- Drivers with more than 2 accidents or major violations in the last 3 years.
Submission Requirements
Applications must be submitted through the CannGen Portal. Required documents include:
- ACORD Applications 125, 127, 137
- MVRs (Motor Vehicle Reports)
- 3 Years of Loss Runs for existing businesses
Additional resources:
CannGen Auto Product FlyerWhy Choose CannGen for Cannabis Auto Insurance?
- Industry Pioneer – First MGU dedicated exclusively to cannabis, CBD & hemp
- Specialized Protection – Designed for businesses transporting cannabis-related products
- Flexible Coverage – Options for fleets, long-radius operations, and multiple vehicle types
- Strong Carrier Backing – A.M. Best A+ rated financial strength
- Compliance Ready – Meets cannabis state filing and insurance requirements
Protect Your Cannabis Transportation Operations Today
From delivery vans to large distribution fleets, CannGen's Cannabis Transportation Insurance ensures your vehicles, drivers, and products are fully covered. Don't leave your business exposed with standard auto insurance — choose a program built for the cannabis industry.