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If your clients operate cannabis dispensaries—whether they grow, sell, or distribute medical and/or recreational cannabis—making sure they have the right insurance protections is essential. With high customer volume, cash handling, and increased regulatory scrutiny, dispensaries face a wide range of exposures. Prime Insurance Company offers a tailored Cannabis Dispensary Insurance program designed to address the specific risks of this evolving industry. Overview of the Program From Prime Insurance Company Prime Insurance Company focuses on specialty and hard-to-place risks. The Cannabis Dispensary Insurance program is underwritten on a case-by-case basis with flexible terms and no minimum premium requirement. That approach lets Prime tailor coverage for start-ups, established retailers, multi-location operations, and businesses that add new services such as delivery or armed security. Ideal Accounts and Appetite This program is a fit for a broad range of cannabis-related operations, including: Retail cannabis dispensaries (medical and/or recreational) Storefront operations and delivery services Licensed growers and distributors who sell direct to consumers Multi-location businesses seeking consolidated or coordinated coverage Prime welcomes accounts with complex risk profiles, including prior claims, high customer counts, or enhanced security needs. Accounts outside appetite typically include unlicensed operations or businesses that engage in federally prohibited activities beyond state-legal cannabis commerce. Coverage Highlights and Advantages Prime’s program offers a comprehensive suite of coverages designed for dispensary exposures. Available coverages include: • Assault and Battery • Excess Coverage • General Liability • Personal Injury Coverage • Product Liability • Property Liability • Business Auto *Not available in NY • Security Personnel • Cargo Insurance • Business Interruption • Special Events • Errors and Omissions • Firearms, Concealed Carry Liability Note: Some coverages (for example commercial auto or admitted paper) are not available in every state. Prime will review each submission to determine eligible coverages and placement options. Underwriting Notes and Minimum Premiums There are no required minimum premiums for this program; Prime evaluates each risk on its own merits. Underwriting focuses on compliance (licensing and state regulations), security protocols, inventory controls, cash handling procedures, product labeling/packaging, and loss history. Providing clear documentation of licensing, security plans, and loss prevention measures helps speed binding and obtain the most favorable terms. Territories and Availability This program is available in most U.S. states. Prime can write accounts across a wide footprint, including: 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 of admitted vs. non-admitted paper varies by state and coverage line. Why Work With Prime Insurance Company on Cannabis Dispensary Risks Prime brings underwriting expertise in specialty and emerging markets, with a hands-on review process and the flexibility to consider non-standard risks. Turnaround tends to be fast when submissions include complete licensing and security details. Prime is a good option when you need an insurer willing to evaluate accounts with prior losses, higher customer throughput, or added services like delivery and on-site security. Example accounts you can place with this program: a retail dispensary that recently added delivery and needs product liability plus hired-security liability; or a multi-location operator seeking combined general liability and property coverage across several state-licensed stores. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed cannabis dispensaries, growers and distributors—both storefronts and delivery operations—are primary targets. Multi-location and higher-volume retailers are also considered. Is there a minimum premium required to bind coverage?No. Prime does not impose a minimum premium, allowing you to place small and mid-sized operations as well as larger accounts. Are accounts with prior losses or claims eligible?Yes. Prime reviews accounts individually and is open to placement for risks with prior claims, subject to underwriting review and loss-control measures. Is commercial auto coverage available in all states?No. Business auto availability varies by state and coverage type; Prime will confirm eligibility during underwriting. Can this program cover armed security or firearms liability?Yes. Coverage options include firearms and concealed carry liability where appropriate and where permitted by state regulations. Need help placing an account? Connect with a market specialist.