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Medical Marijuana Dispensaries & Growers Insurance From BSR Insurance BSR I...is program?Licensed indoor marijuana growers and medical dispensaries are idea...

...unts include: Target Classes Growers Infused Product Manufacturers ...a good fit for this program?Licensed growers, processors, dispensaries, CBD ma...

... coverage, including transit from growers to dispensaries and from dispensarie...

...ed in the Monterey Bay region Growers and harvesters of strawberries, vege...

...write include: • Cultivators and growers • Dispensaries and retail cannabis s...

...e Vineyards, wineries and grape growers Nurseries, greenhouses and sod far... Tree farms, orchards and specialty growers We regularly underwrite accou...

... and delivery services Licensed growers and distributors who sell direct to ...gram?Licensed cannabis dispensaries, growers and distributors—both storefronts...

Medicinal Marijuana Dispensary Coverage from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. offers a focused insurance solution for licensed medical marijuana dispensaries. As an experienced Excess & Surplus Lines Broker, we provide agents and brokers access to markets that will write this traditionally hard-to-place class. Our Medicinal Marijuana Dispensary Coverage program is structured to help your clients manage the operational, property, and product-related risks unique to the cannabis retail sector. Overview of the Program This program targets storefront medicinal dispensaries that operate in full compliance with state licensing and regulatory requirements. Coverage is distributed through non-admitted markets, allowing greater flexibility to address specialty exposures and evolving regulatory needs. We underwrite to current industry practices and expect applicants to maintain documented security, inventory controls, and standard operating procedures. Ideal Accounts and Appetite The program is designed for licensed, retail-facing dispensaries — both single-location shops and multi-location operations. Preferred accounts maintain formal policies for inventory tracking, controlled access, and employee training. We will consider both new ventures and established operators when underwriting criteria are met. Typical good-fit examples: A single storefront in Oregon with secure onsite storage and point-of-sale controls. A multi-location dispensary in Michigan seeking a combined property and liability placement under one program. Coverage Highlights and Advantages The program provides a package of coverages tailored to dispensary exposures, including: General Liability: Limits available up to $5 million to respond to third-party injury and premises claims. Property Protection: Coverage for buildings, contents, and tenant improvements where applicable. Medicine (Inventory) Coverage: Protection for cannabis inventory and related products stored on the premises. Business Interruption: Income recovery for covered interruptions to operations. Product Liability: Defense and indemnity for claims arising from use of products sold by the dispensary. This combination helps insureds protect physical assets, inventory value, continuity of operations, and product-related liabilities. Underwriting Notes and Minimum Premiums All submissions undergo underwriting review. To quote quickly, include a complete application, current licensing documentation, loss history, security protocols, and inventory procedures. Minimum premiums vary by state, risk profile, and selected coverages; please provide detailed account information so we can determine applicable minimums. Territories and Availability The program is available on a non-admitted basis in the following states and the District of Columbia: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia (DC) Illinois, Maine, Massachusetts, Michigan, Montana, Nevada New Hampshire, New Jersey, New Mexico, Oregon, Rhode Island, Vermont, Washington Because placements are non-admitted, availability and terms may vary by state and by carrier appetite at the time of submission. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates was an early entrant into the cannabis insurance market and maintains experience placing hard-to-place and specialty risks. We combine market access with underwriting knowledge of regulatory and operational challenges facing dispensaries. Our team works with agents to structure competitive, tailored submissions and to navigate the documentation and compliance expectations of non-admitted markets. If you have a dispensary client that needs a tailored insurance solution, contact us to request an application or to discuss a potential submission. Complete applications with operational details will help expedite quoting. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed medical marijuana dispensaries operating legally in approved states are ideal. Both single-location and multi-location operations can be considered when they maintain appropriate security and inventory controls. Is product liability included in the coverage?Yes. Product liability is a core element of the offering and helps protect against claims related to the use of cannabis products sold by the dispensary. Which states is this program available in?The program is available in 19 states and DC on a non-admitted basis, including California, Colorado, Illinois, Massachusetts, Michigan, Oregon, and Washington. Availability is subject to carrier appetite and state-specific requirements. Can new dispensaries without prior insurance history apply?Yes. New ventures may be eligible provided they meet underwriting criteria and can demonstrate compliance with state regulations and internal controls. How can I get a quote for my client?Contact Alexander J. Wayne & Associates to request an application. Submissions that include licensing, security procedures, inventory controls, and loss history (if any) will help speed the underwriting process. Need help placing an account? Connect with a market specialist.

Target Classes: Attractions Aquariums Caves Fairs/Festivals/Special Events/Parades Tourist Attractions Zoos/Animal Exhibits Recreation Batting Cages Beach Clubs Bingo Parlors Bowling Centers Campgrounds/RV Facilities Camps Casinos/Other Gaming Community Centers Dude Ranches Go-Karts Golf Facilities/Miniature Golf Health Clubs Hunting & Fishing Operations Laser Tag Outfitters and Guides Ropes Courses Shooting Ranges Swimming Facilities & Clubs Tennis Clubs Whitewater Rafting Motorsports Driving Schools Race Teams/Racing Facilities Single Events Sponsors Sports Associations/Leagues/Teams Pari-Mutuel Racing - Horse/Dog Tournaments Sports Camps Venues Arenas/Stadiums/Athletic Fields Auditoriums Civic Centers Comedy Clubs Convention Centers Performing Arts Centers Sports League Facilities Theater/Amphitheaters Entertainment Circuses Concert Promoters/Stage Shows Entertainers/Musicians/Bands Comprehensive Sports and Entertainment Insurance from BSR Insurance BSR Insurance offers a specialized Sports and Entertainment Insurance program designed to help brokers and agents place a wide range of hard-to-insure risks in the entertainment, recreation, and sporting sectors. As an experienced Excess & Surplus Lines Broker, BSR works with a variety of carriers to provide access to tailored coverage solutions for complex, non-standard risks across 50 states. Ideal Accounts and Program Appetite This program is built for a broad spectrum of sports and entertainment operations, with a strong appetite for: Event organizers (Fairs, Festivals, Parades, Concerts) Sports leagues, teams, camps, and tournaments Recreational businesses (Bowling alleys, Laser tag, Ropes courses) Venues such as arenas, amphitheaters, theaters, and convention centers Motorsports including race teams, events, and sponsors Tourist attractions like zoos, aquariums, and caves Accounts with annual premiums ranging from $5,000 to $1,000,000 are within the target range. This program is not suitable for risks requiring Prize Indemnity or Event Cancellation Coverage. Coverage Highlights and Advantages BSR's program delivers flexible and targeted insurance designed to address the unique exposures of the sports and entertainment industries. Available coverages include: General Liability – Occurrence form with deductible and SIR structures Legal Liability to Participants Trainer’s Liability Horse/Dog Legal Liability Contingent Fireworks Liability Liquor Liability (when packaged with CGL) This flexibility is ideal for agents looking to place complex or unusual accounts such as a whitewater rafting outfitter, a multi-day music festival, or a regional sports league with participant risk exposures. Underwriting Guidelines and Premiums BSR targets a minimum premium of $5,000, with capacity to support larger risks up to $1,000,000 in premium. The underwriting team evaluates each submission on its merits, with a strong focus on risk management practices and prior loss history. While the program is non-admitted in all states, BSR’s market access and experience ensure efficient placement of accounts that fall outside standard markets. Availability Across the U.S. This program is available in all 50 states including the District of Columbia. Whether your client operates in California, Texas, New York, or any other U.S. jurisdiction, BSR can help you secure coverage for their operations. Why Work With BSR Insurance? BSR Insurance brings deep industry knowledge and strong carrier relationships to the table. As a true partner to independent brokers and agents, BSR provides responsive service, strategic underwriting insight, and access to markets that can handle unusual or high-risk entertainment and sports exposures. If you have clients in niche recreation, entertainment venues, or competitive sports, BSR is ready to help you place that business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sports leagues, entertainment venues, recreational operations, motorsports, and special events with premiums starting at $5,000. Are single-day or short-term events eligible for coverage?Yes, single events such as festivals, concerts, or races can be considered under this program depending on the risk and scope. Is Liquor Liability available on a standalone basis?No, Liquor Liability is only available in conjunction with the Commercial General Liability (CGL) coverage. Are admitted markets available for this program?No, this program is written on a non-admitted basis in all states through various E&S carriers. What is the turnaround time for quotes?Turnaround time depends on the complexity of the risk, but BSR strives to provide timely responses and efficient placement support. Need help placing an account? Connect with a market specialist.