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Insurance

Brokers, wholesalers, MGAs and carriers that write property, crop, liability, D&O and workers' comp for licensed cannabis businesses. Banks and lenders are in Banking & Financial Services; security firms that help meet insurer requirements are in Security.

11 listedProfessional Services

Cannabis insurance is sold through a chain, and knowing where each company sits saves time. A retail broker works for the operator and shops the market. A wholesaler or managing general agent (MGA or MGU) holds programs and underwriting authority from carriers but takes business only from licensed agents. A carrier issues the policy. Most cannabis coverage is written in the surplus lines market, which means fewer carriers, no state guaranty fund behind the policy and forms that differ more than in standard commercial lines. The decisions that matter most are property and crop capacity per location, whether product liability is written on an occurrence or claims-made form, how vapes and infused products are treated, and whether delivery and cash in transit are covered.

Retail brokers here: AlphaRoot, the Baldwin Group's New York cannabis arm, licensed in all 50 states; HUB International, which covers US operators and Canadian licensed producers and coordinates cross-border programs; Brown & Brown, whose cannabis team adds captive and alternative risk options; Lockton, with a 25-member cannabis team and more than 125 cannabis clients; and Frontier Risk, whose retail cannabis book NFP, an Aon company, acquired in August 2026. Wholesalers and MGAs that sell through an agent: Cannasure, now part of One80 Intermediaries, with property up to $65 million per location; QuadScore, which says it insures 30% of the legal US cannabis industry; CannGen, an MGU writing cannabis workers' comp on all class codes since 2008; Amwins Program Underwriters, with a published $750 minimum premium; and Jencap, with access to more than 50 cannabis markets.

Admiral Insurance Group, a W. R. Berkley company, is the one carrier listed: it writes claims-made cannabis casualty with limits up to $10 million and states plainly that it does not cover delivery services or offer manuscript endorsements. If your agent is not appointed with a cannabis program, the wholesalers above are the usual way in. Only Amwins publishes a price point; everyone else quotes per account. Every fact here comes from the company's own site on the date shown on its listing; the general point on federal hemp crop insurance comes from the USDA Risk Management Agency.

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Questions about insurance

Should I call a broker, a wholesaler or a carrier?
Start with a retail broker or your existing agent. AlphaRoot, HUB International, Brown & Brown and Lockton work directly for operators. Cannasure, QuadScore, CannGen, Amwins Program Underwriters and Jencap take business only from licensed agents: QuadScore's site says it is meant for agents rather than business owners, and Cannasure, CannGen and Jencap run appointment programs for brokers. Admiral is a carrier that works only through licensed surplus lines brokers. If your agent is not appointed with a cannabis program, ask them to go through one of these wholesalers, or choose a broker with a dedicated cannabis team.
How much property and crop capacity can I get per location?
Published capacities vary. Cannasure's package program offers up to $65 million of property per location, QuadScore lists $50 million or more depending on risk profile, CannGen writes up to $42 million per location in combined property and crop values, and Amwins caps its program at $15 million per location. For crop, CannGen covers every plant stage for indoor and durable greenhouse grows but not outdoor crops, Amwins uses three simplified inventory limits with no coinsurance on stock or crop, and Jencap and QuadScore list living plant or indoor crop coverage. Cannasure and Jencap also offer excess property.
Is there federal crop insurance for cannabis?
For hemp, yes: the USDA Risk Management Agency offers a pilot Multi-Peril Crop Insurance program in select counties for hemp grown for fiber, grain or CBD oil, and Whole-Farm Revenue Protection nationwide. Marijuana is different. HUB International's cannabis page notes that cannabis crops have no federal multiple peril crop insurance to fall back on, so crop coverage comes from private programs such as CannGen, Amwins Program Underwriters, QuadScore and Jencap. Ask each how it defines a covered crop loss and whether outdoor grows qualify, since CannGen excludes outdoor crops.
Are vapes and infused products covered?
Often, on limited terms. Admiral covers infused products and vapes, with some limitations, on a claims-made form and offers a products-only option. QuadScore says it can cover vape exposure for licensed businesses. Cannasure writes products and completed operations up to $5 million on a claims-made form with a $2,500 base deductible and notes retro date options with proper documentation, and Amwins writes product liability on a claims-made basis only. Ask any claims-made carrier how prior acts are handled when you switch. Lockton offers a Cannabis Product Contamination Insurance solution for contamination, tampering and recall.
Is delivery or cash in transit covered?
Check this line by line. Admiral does not cover cannabis delivery services, including third-party delivery. Amwins includes hired and non-owned auto for incidental exposure only, offers property in transit by endorsement up to $50,000/$100,000 and sells a separate Cannabis Cargo policy for higher limits. QuadScore's motor truck cargo covers product in transit along with money and securities, and CannGen writes commercial auto for delivery vehicles and has a class for transporters and non-storefront delivery. Jencap lists secure transport and transportation services among its target classes.
What does cannabis insurance cost?
Only one company here publishes a price point: Amwins Program Underwriters lists a $750 minimum premium for its Cannabis P&C program. CannGen publishes deductible ranges, $2,500 to $50,000 on property and from $2,500 on general liability, and offers square-footage rating on general liability; Cannasure lists a $2,500 base deductible on products. Neither publishes rates, and every other company here quotes per account. QuadScore ties loss control to price, citing cultivation lighting as the source of more than two-thirds of preventable fire claims and offering discounted LED upgrades through its risk services team.
Can multi-state operators and Canadian producers get one program?
HUB International coordinates cross-border US-Canada programs and covers Canadian licensed producers, QuadScore writes D&O for US and Canadian companies, and CannGen runs separate Canadian and European sites. For US multi-state operators, Admiral offers multi-state casualty, Jencap handles multi-state operations including transportation, and AlphaRoot and Frontier Risk have dedicated multi-state operator pages. For transactions, Lockton's cannabis team helps evaluate costs, exposures and integration costs before a deal closes, and AlphaRoot offers representations and warranties coverage.

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