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What is Cannabis Professional Liability?
CannGen’s Professional Liability (Errors & Omissions) program delivers tailored E&O protection for cannabis, CBD and hemp businesses and their service providers. Built on market-leading forms with broad cannabis regulatory coverage and a flexible definition of insureds, the program protects professional services, advice, design and testing work from claims alleging negligence, errors or omissions — with limits, prior-acts options and risk-management support designed specifically for the unique exposures of the cannabis industry.
Product Highlights
- Errors & Omissions coverage
- Market leading form designed for Cannabis companies
- Risk Management services for policy holders
Professional Liability
- Broad cannabis regulatory coverage
- Specialty cannabis industry service providers
- Broad Definition of Named Insured
Coverage Options
- Limits up to $5,000,000
- Dedicated separate Limit of Liability from other lines
- Prior Acts coverage available
- Customized endorsement options by referral
Appetite
- Legal Cannabis businesses and their service providers
- Startups eligible
- Ancillary businesses
- 51% of revenue from Cannabis, CBD, Hemp businesses
- Testing Laboratories
- FinTech
- Consultants
- Management Services
Approved Classifications
- Cultivators
- Harvesters and Processors
- Manufacturing
- Transportation & Delivery
- Dispensaries
- Property Managers and Real Estate
- Laboratories & Research
- Security Firms
- Hospitality
- Extractors and Licensors
- Ancillary Businesses & Professional Service Firms
Ineligible Risk
- Non-U.S./Canada domiciled risks
- Medical Malpractice/Healthcare Providers
- Non-cannabis related businesses
- Psychedelics
Submission Requirements
- Email to canngenpro@canngenins.com
- CannGen Professional Liability Application
- Audited Financial Statement or 12-month financials (balance sheet and income statement)
- List of Directors & Officers/Management team
- Description of Services provided
- Sample Customer Contract/Agreement
- Risk Management or Quality Control procedures
- Business Plan (if Applicant has less than two (2) years in business)
- Currently Dated Loss Runs
Frequently Asked Questions
1. What does CannGen’s Professional Liability (E&O) policy cover?
CannGenPRO provides Errors & Omissions protection for claims alleging negligent professional services, mistakes in testing or reporting, contract breaches, and similar exposures. The form includes broad cannabis regulatory coverage, specialty industry service provider protection, and an expanded definition of named insureds.
2. What limits and policy features are available?
Limits are available up to $5,000,000, with a dedicated, separate limit of liability that does not erode other lines. Prior-acts coverage (retroactive protection) and customized endorsements are available by referral.
3. Who is eligible for this coverage?
Legal cannabis, CBD and hemp businesses and their service providers are in-scope — including startups, testing laboratories, fintech, consultants, management services and many ancillary professional firms (see approved classifications). Applicants should derive at least 51% of revenue from cannabis/CBD/hemp activities to align with appetite.
4. Are there any notable exclusions or ineligible risks?
Yes. CannGenPRO does not cover non-U.S./Canada domiciled risks, medical malpractice/healthcare providers, non-cannabis businesses, or psychedelics. Also note the program contains policy language that excludes certain professional services per underwriting guidelines — speak to underwriting for specifics.
5. How do I contact you for a quote and what materials are required?
Email submissions to canngenpro@canngenins.com and include: the CannGen Professional Liability application (CannGenPRO E&O), audited financials or 12-month financial statements, list of directors & management, description of services, a sample client contract, risk-management/quality control procedures, a business plan (if <2 years), and currently dated loss runs.