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...tion of medical and recreational marijuana in more and more states, the cannab...es is this program available in?The Marijuana Insurance program is available i...

Medical Marijuana Dispensaries & Growers Insurance Fr...ilable in most states where medical marijuana is legal, including CA, CO, MI, ...

...ed by the commercial and medical marijuana industry. We firmly believe in supp...nts placing accounts in the growing marijuana sector. Ideal Accounts and Appe...

Expertise. Solution. Service. Comprehensive Cannabis D&O and EPLI Coverage From MAXIMUM MAXIMUM provides a specialized Cannabis Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for the distinct regulatory, reputational, and operational risks faced by licensed cannabis businesses. As a wholesale broker with deep experience in emerging and complex industries, MAXIMUM provides agents access to primary and excess capacity—up to $10 million in limits—so you can protect executive teams and employment exposures with flexible solutions. Ideal Accounts and Appetite The program targets licensed cannabis operations across the value chain. Typical classes we write include: • Cultivators and growers • Dispensaries and retail cannabis stores • Product manufacturers and processors We place both early-stage, investor-backed startups and established multi-state operators. MAXIMUM is well-suited for vertically integrated operators, retail chains, management teams with outside investors, and any licensed entity that needs D&O and/or EPLI protection to support growth or satisfy investor due diligence. Coverage Highlights and Advantages MAXIMUM’s Cannabis D&O and EPLI solution offers flexible structures to match an account’s size and risk profile. Key benefits include: • Limits available up to $10MM on a primary or excess basis • Choice of shared or separate limits for D&O and EPLI • Available as stand-alone D&O or EPLI, or combined on one policy • Coverage tailored for board members, officers, and HR-related employment exposures The program addresses claims commonly seen in the sector, including wrongful termination, discrimination, harassment, breach of fiduciary duty, shareholder disputes, alleged mismanagement, and other employment-related allegations that can threaten leadership and investor confidence. Underwriting Notes and Submission Requirements Underwriting focuses on governance, financial stability, ownership structure, and any prior employment or management litigation. Required submission items include: • Completed cannabis-specific application • Full business plan and operational overview • Organizational chart (include parent companies and subsidiaries) • List of board members and executive team • Capitalization table and ownership structure • Current and pro-forma financials, private placement details, and funding sources Retentions begin at $25,000 and may increase depending on account size, revenue, prior losses, and claim history. Be prepared to provide details on investor relationships and any prior regulatory actions or employment claims. Territories and Availability This program is available in most states where cannabis is legalized or regulated. We currently write business in the following states: 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 Most placements are written through non-admitted carriers, giving underwriting flexibility to craft terms that fit the account’s specific exposures. Why Work With MAXIMUM? MAXIMUM combines market access with cannabis-specific underwriting knowledge. Our team helps agents structure placements that address investor requirements and regulatory scrutiny while delivering practical, tailored wording. We prioritize responsive service, collaborative underwriting, and solutions that evolve with a client’s operational footprint. Example account scenarios you might place with this program: • A vertically integrated operator seeking combined D&O and EPLI coverage to satisfy investor due diligence during a funding round. • A single-state dispensary with a growing staff and recent employment allegations that needs a stand-alone EPLI policy or a combined solution to protect management and reduce investor concerns. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this placement process. Frequently Asked Questions What types of accounts are a good fit for this program?We target licensed cannabis businesses including cultivators, dispensaries, manufacturers, and retailers. Both startups and established operators are eligible. Can I submit an account with both D&O and EPLI exposures?Yes, we offer stand-alone or combined D&O and EPLI policies with shared or separate limits, depending on your client’s risk profile and needs. What documents are required for underwriting?We require a cannabis application, business plan, organizational chart, executive team list, financials, ownership structure, and funding details. What is the minimum retention?Retentions start at $25,000 but may vary based on the size and complexity of the account. Is this program available in all states?No, but we write in most states where cannabis is legal. Please check our list of eligible states or contact us for specific state availability. Need help placing an account? Connect with a market specialist.

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.

The cannabis insurance market continues to expand and evolve. Amwins Program Underwriters’ Cannabis program delivers focused property & casualty solutions for the emerging risks cannabis and hemp businesses face. With low minimum premiums, streamlined applications and fast turnaround, Amwins Underwriting is positioned to be your one-stop market for placing coverage across the cannabis supply chain. 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. For additional details, click here to visit our website. 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.

Program Coverage QuadScore offers best in class coverage terms, capacity, and risk management services to the Cannabis industry. QuadScore tailors insurance programs that fit the needs of each individual insured, satisfy lender and investor requirements, and fulfill state-specific insurance requirements nationwide. Products Offered General Liability Product Liability Product including Crop Motor Truck Cargo Builder's Risk Auto Liability & Physical Damage Directors & Officers (D&O) in Canada & the U.S. Eligible Class of Business Cultivators Distributors Testing Laboratories Manufacturers Retail Dispensaries Multi-State Operators in the USA Canadian Licensed Producers D&O Single State Operators Ancillary Businesses Financial Services Firms Focused on Cannabis Authorized Program Territory Property & Casualty in all U.S. states where cannabis is legal medically or recreationally. QuadScore can also offer US & Canadian Directors & Officers Liability. Coverage QuadScore offers robust General Liability and Product Liability insurance which is tailored to respond to the needs of cannabis-touching operations and includes primary limits up to $10M with various retention structures. In an ever-changing landscape with no uniform regulation, our casualty offerings empower our broker partners to equip insureds with responsive coverage they need. Coverage includes but is not limited to: Premises Liability Products liability Damages to Premises Rented to You Hired and Non-Owned Auto Assault & Battery Our Property insurance provides required coverage for cannabis-touching businesses, ranging from cultivation to retail sales. QuadScore offers a limit capacity of $40m+ available depending on risk profile. Terms and offerings can be customized to meet client needs and match gaps in current coverage. Coverage includes but is not limited to: Building Tenants' Improvements & Betterments Personal Property of Others Machinery & Equipment Business Interruption/Income Cannabis Stock Indoor Crop QuadScore offers Motor Truck Cargo coverage for in-transit property for cannabis businesses, including cargo, cash, and securities. We utilize market-leading risk control technology to limit your exposures and lower your premiums. Coverage includes but is not limited to: Cargo Money & Securities Whether constructing a brand new facility ground-up or renovating an existing space, QuadScore has solutions to ensure your Builder's Risk needs are met. Our QuadScore Risk Services team is available to connect you with the right vendors to ensure your construction project leads to efficient, safe facilities once complete. Coverage includes but is not limited to: · Building Materials and Supplies · Standing Buildings · Debris Removal · Expediting Expenses · Ordinance or Law We can offer both Automobile Liability and Automobile Physical Damage coverage for licensed cannabis-touching businesses. Our offerings are structured to meet liability requirements. Coverage includes but is not limited to: Auto Liability Physical Damage Uninsured Motorist Medical Payments QuadScore can also provide comprehensive Directors & Officers Liability insurance solutions for the cannabis industry. With limits up to $10m, primary and excess capabilities, combined to write in both the US and Canada, Quadscore has the solutions to meet the most complex cannabis D&O needs. We understand your concerns and needs and are here to provide solutions which offer true peace of mind. Coverage includes but is not limited to: Primary ABC Follow Form Excess Side "A" Difference in Conditions (DIC) Risk Services Our team works to understand cannabis business’s unique operations and mitigate the associated risks accordingly. We aim to foster a positive relationship with our clients by providing services tailored to their needs throughout the ever-shifting landscape of cannabis. We offer exclusive services from leading cannabis risk service firms to help mitigate losses in the following areas: Security Assessments Cultivation Lighting Wildfire and Fire protection Boiler & Machinery Manufacturing & Extraction Safety Automotive Safety Resources Telematics & Tracking Driver Training Drone Surveys Engineering Inspections Infrared Equipment Scans Primary Contacts: Brad Robinette Chief Marketing Officer QuadScore Insurance Services Submit Today! [email protected]

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Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage. Target classes — Eligible exposures Catering businesses Farms and dairies Household goods movers (local) Wholesale and retail delivery Food delivery (non-pizza operations) Mobile businesses and couriers Magazine and newspaper distributors Armored cars Manufacturing businesses Ready-mix operations (cement mixers, concrete pumpers) Funeral operations Vacuum trucks and street sweepers Contractors, cranes and boom trucks Not eligible Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable) Petroleum-based product haulers (refer to petroleum marketer programs) For-hire, revenue-generating trucking units (refer to trucking programs) Pizza delivery operations Triple trailers, end-dump or side-dump trailers Regulated medical or biohazardous waste Mobile-home toters Any risk hauling logs Student drivers or risks allowing nonemployee passengers Underwriting requirements Loss history for current and prior three policy years Complete VINs for all power units Complete drivers’ roster (all drivers must have acceptable MVRs) Coverage features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injury protection Physical damage for schedules of vehicles Motor truck cargo / inland marine options Multi-line discounts when you package other business lines Overview — Cochrane & Company Specialty Auto Insurance This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations. Ideal accounts and appetite Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories. Example scenarios: You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage. A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options. Coverage highlights and advantages Higher liability limits (up to $5M) for operations with elevated exposure. Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate. Motor truck cargo / inland marine options for legal-liability exposure on local hauls. Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate. Multi-line discounts available when you place additional business through the same carrier relationships. Underwriting notes and minimum premiums Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier. Reporting capabilities Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include: Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form) Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value Territories and availability States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk. Why work with Cochrane & Company on Specialty Auto Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations. Access to multiple carriers and flexible reporting structures to match book-of-business needs. Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups. Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program. Frequently Asked Questions What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles. What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis. Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure. Need help placing an account? Connect with a market specialist.