Ideal accounts and appetite
This program targets operators across the licensed cannabis and hemp industries. It is a strong fit for accounts that need standard property and liability protections tailored to cannabis exposures rather than bespoke, high-capacity or highly complex package placements.
- Dispensaries and retail operations
- Wholesalers and distributors
- Cultivation — indoor and outdoor
- Delivery and transport (including offsite/transit coverage)
- Manufacturers — extraction, infused products, bakeries
- Hemp, CBD and minor cannabinoid producers
- Testing labs and consultants
- Lessor’s risk for mixed-use properties (incidental habitational and non-cannabis tenants acceptable)
Coverage highlights and advantages
Amwins’ Cannabis P&C program offers both monoline and packaged options designed for cannabis-specific exposures. Underwriting is handled by underwriters experienced with this industry, which helps produce competitive terms and more consistent placements than generalist markets.
- Property — monoline or packaged solutions
- Equipment breakdown
- General liability and products liability
- Inland marine and property-in-transit endorsements
Limits available include general liability up to $2m/$2m, products liability up to $1m/$2m and property limits to $15m per location, subject to underwriting and state availability.
Underwriting notes and minimums
The program keeps application requirements straightforward to enable quick quotes. Standard eligibility focuses on licensed operators with documented compliance programs and typical risk controls (inventory controls, secured storage, licensed transport procedures, etc.). The program’s stated minimum premium is $750. Large or unusually hazardous operations may require referral to specialty markets.
Territories and availability
The program is available in all U.S. states where cannabis or hemp is legal, including—but not limited to—the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific coverages may vary by state and local regulatory environment.
Why place this business with Amwins Underwriting
Amwins Program Underwriters combines targeted cannabis underwriting expertise with programmatic efficiency. You can expect underwriters who understand cultivation, manufacturing and retail exposures and who provide product options that reflect the unique operational risks of the industry.
Example placements:
- A single-location dispensary seeking a packaged property and GL policy with transit coverage for deliveries.
- A mid-size indoor cultivator that needs equipment breakdown coverage and higher property limits at one primary location.
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Frequently Asked Questions
What types of cannabis accounts are a good fit for this program?
This program fits licensed dispensaries, wholesalers, cultivators (indoor and outdoor), manufacturers (extraction and infused products), testing labs, delivery/transport operators and lessor’s risks with incidental non-cannabis tenants. Complex or high-capacity industrial operations may require referral.
What coverages can I get through Amwins Program Underwriters’ Cannabis program?
Agents can place property (monoline or packaged), equipment breakdown, general liability, products liability, inland marine and property-in-transit endorsements. Limits and specific terms depend on underwriting and state requirements.
Are there minimum premiums or submission requirements I should know about?
The program has a stated minimum premium of $750. The underwriting team favors straightforward submissions with clear licensing documentation, inventory controls and basic risk-management practices to enable quicker binding.
Which states are eligible for placement?
The program is available in U.S. states where cannabis or hemp is legal. State availability and coverages vary; confirm state-specific appetite and restrictions with underwriting on each submission.
Need help placing an account? Connect with a market specialist.