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Ck Specialty Insurance Associates, Inc.
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Ck Specialty Insurance Associates, Inc.
Contact Us
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Cannabis/Marijuana Insurance

Most folks think that cannabis insurance markets are new. It’s not new to us—in fact, we pioneered the market.


We wrote the very first insurance policy for cannabis in 2002. Since then, CK Specialty Insurance Associates, Inc. has been a trusted partner for agents and brokers seeking coverage for cannabis-related businesses. We’ve consistently evolved alongside the industry, developing a strong underwriting team and unmatched expertise to place risks that others turn down.

Overview of the Cannabis/Marijuana Insurance Program

CK Specialty offers a comprehensive Cannabis/Marijuana Insurance program designed to serve the full spectrum of cannabis operations. Whether your client is involved in cultivation, manufacturing, distribution, or retail, our market access and underwriting experience allow us to craft coverage solutions tailored to their unique exposures. We specialize in Excess & Surplus placements and work with multiple carriers to provide flexibility and competitive options. We understand the complexities of this industry and have successfully placed accounts others consider too difficult.

Ideal Accounts and Classes of Business

We can help you place coverage for a wide variety of cannabis-related businesses, including: • Cannabis Outdoor Cultivation
• Marijuana Greenhouses
• Processors / Harvesters
• Edible Cannabis Manufacturers
• Wholesalers / Distributors
• Marijuana Transportation
• Delivery Services
• Cannabis Testing Labs
• Property Management Companies
• Lessor's Risk Only (LRO)
• Cannabis Education / Schools If you’re working with a startup grow operation, a multi-state edible manufacturer, or a property owner leasing space to dispensaries, we have the tools to support you.

Coverage Highlights and Advantages

Our program offers a wide range of coverages to protect cannabis businesses from both common and specialized risks: • General Liability
• Excess Liability
• Product Liability
• Property
• Crop Insurance
• Directors & Officers (D&O)
• Cyber Liability
• Equipment Breakdown From protecting physical assets and crops to addressing executive liability and cyber exposures, we provide coverage that evolves with your clients’ needs.

Underwriting Information and Minimum Premiums

We work with all available market types, including non-admitted carriers, allowing us to take on more complex or high-risk accounts. Our minimum premium begins at $500, giving you the flexibility to work with both small and large operations. Our underwriters are highly experienced and responsive, and we pride ourselves on finding solutions for accounts that have been declined elsewhere.

Territories and Availability

This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, GA, HI, IL, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WI, WY Whether your insured operates in a mature market like California or is entering a newly legalized state, we’re ready to help.

Why Work With CK Specialty Insurance Associates, Inc.?

With over 20 years of cannabis insurance experience, CK Specialty isn’t just another market—we’re an innovator in the space. We understand the risks, regulations, and nuances that come with cannabis-related businesses, and we equip agents with the tools and support needed to navigate this evolving market. We are an Excess & Surplus Lines Broker with access to multiple carriers and a proven track record of success. Let us help you close more cannabis-related accounts with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We specialize in cannabis businesses such as cultivators, manufacturers, distributors, delivery services, testing labs, and property owners leasing to cannabis operations.

Do you offer coverage for cannabis crops?

Yes, crop insurance is available as part of our coverage offering, including for outdoor and greenhouse cultivation operations.

What is the minimum premium for this program?

The minimum premium starts at $500, making it accessible for both small and large businesses.

Can you help with hard-to-place or declined risks?

Yes, our underwriting team is experienced in placing risks that have been turned down by other markets, especially in E&S lines.

In which states is the program available?

The program is available in over 45 states, including CA, CO, OR, WA, MI, and many more. We support both established and emerging cannabis markets.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Competitive
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

3150 Almaden Expressway Suite 252
San Jose, CA 95118
800-411-0083
0C60214
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Ck Specialty Insurance Associates, Inc. has other insurance programs like Alarm and Electronic Security Insurance.