Package

Property

Coverage Highlights
  • Commercial property ISO forms
  • Minimum premium $500
  • No sub limit for cannabis inventory when on the premises
  • Outdoor business personal property is approved
  • No maximum number of locations
  • A.M. Best Rated A+ XV carrier
Approved Classifications
  • Cultivators
  • Processors/Harvesters
  • Manufacturers
  • Wholesale Distributors
  • Transporters
  • Cannabis or CBD Retailers
  • Smoke Shop
  • Non-Storefront Delivery
  • Laboratories
  • Lessor’s Risk (LRO) / Building Owners
  • Ancillary Businesses
Coverage Options
  • Real Property
  • Business Personal Property
  • Cannabis Inventory
  • 3rd Party Care Custody Control (distributors only)
  • Equipment Breakdown
Limits
  • Coverage limits up to $42,000,000** per location (Combined Property and Crop TIV ) **higher limits are possible, please contact underwriting for more details
Deductible options between:
  • $2,500 – $50K
Endorsements
  • Commercial Property Endorsement
    • Form A/FormD
      • Limits up to $25K
    • Form B/Form E
      • Limits up to $50K
    • Form C/Form F
      • Limits up to $100K
  • Commercial Property Endorsement – Coverage Summary
    • Accounts Receivable
    • Employee Dishonesty
    • Money & Securities
    • Property in Transit
    • Property Off-Premises
    • Spoilage
    • Valuable Papers and Records
    • Outdoor Property (Fencing, Signs)
    • Outdoor Property (Trees, Shrubs, Plants)
    • Personal Effects of Others

 

Package Submission Requirements (Property, Crop, General Liability, Excess Liability, Product Liability) – Submitted through Portal

 

Additional Overflow Schedules/Forms (If Applicable):

Property Product Flyer
 

Crop

Coverage Highlights
  • Coverage capacity up to $42,000,000** per location (Combined Property and Crop TIV) **higher limits are possible, please contact underwriting for more details
  • Customizable plant life-cycle solutions
  • Minimum Premium $500
Coverage Options
  • Seeds
  • Seedlings / Clones
  • Vegetative Plants
  • Flowering Plants
  • Harvested Plants
  • Finished Stock
Limits
  • Combined Property and Crop TIV up to $42,000,000* per location (Combined Property and Crop TIV) **higher limits are possible, please contact underwriting for more details
Deductible options between:
  • $2,500 – $50K
Approved Classifications
  • Cannabis and/or Hemp Cultivation Operations
  • Indoor and Greenhouse

 

Package Submission Requirements (Property, Crop, General Liability, Excess Liability, Product Liability) – Submitted through Portal

 

Additional Overflow Schedules/Forms (If Applicable):

Crop Product Flyer
 

General Liability

Coverage Highlights
  • Occurrence Coverage Form
  • A.M. Best Rated A+ XV carrier
  • Square footage rating available
  • Minimum Premium between $500 and $1,000
Coverage Options
Limits
  • $1,000,000 / $1,000,000
  • $1,000,000 / $2,000,000
  • $2,000,000 / $2,000,000
Minimum Deductible
  • $2,500
Endorsements
  • Pesticide & Herbicide Applicators (available in WA & MA)
    • $50,000 Occurrence/Aggregate
    • $250,000 Occurrence/Aggregate
  • HNOA Endorsement $1,000,000
  • Additional Insured endorsements
  • Employee Benefits Liability (EBL) available in all states except NY
  • Stop Gap (available in WA, OH)
  • Assault and Battery
Approved Classifications
  • Cultivators
  • Processors/Harvesters
  • Manufacturers
  • Wholesale Distributors
  • Transporters
  • Cannabis or CBD Retailers
  • Smoke Shop
  • Non-Storefront Delivery
  • Lessor’s Risk (LRO) / Building Owners
  • Ancillary Businesses
  • Testing Laboratories

  

Package Submission Requirements (Property, Crop, General Liability, Excess Liability, Product Liability) – Submitted through Portal

 

Additional Overflow Schedules/Forms (If Applicable):

General Liability Product Flyer
 

Excess Liability

Coverage Highlights
  • Occurrence Form
  • Coverage limits up to $4,000,000
  • Minimum Premium $1,000 (per layer)
Notes:
  • Excess Liability covers our GL policy only
  • Excess Liability does not extend over the HNOA endorsement
Coverage Options
Limits
  • $1,000,000 to $4,000,000
Approved Classifications
  • Cultivators
  • Processors/Harvesters
  • Manufacturers
  • Wholesale Distributors
  • Transporters
  • Cannabis or CBD Retailers
  • Smoke Shop
  • Non-Storefront Delivery
  • Lessor’s Risk (LRO) / Building Owners
  • Ancillary Businesses
  • Testing Laboratories

 

Package Submission Requirements (Property, Crop, General Liability, Excess Liability, Product Liability) – Submitted through Portal

 

Additional Overflow Schedules/Forms (If Applicable):

Excess Liability Product Flyer
 
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