Cannabis Insurance in California
California’s legal cannabis market still sits in a hard-insurance world: state-legal operators, federal Schedule I status, and carriers that underwrite this class one account at a time. Lions & Coventry is an independent brokerage in Citrus Heights that places cannabis business insurance for licensed operators across the supply chain.
We do not sell a one-size “marijuana policy.” We match licensed cultivators, manufacturers, distributors, retailers, and testing labs with A-rated carriers that actually write California cannabis — then we keep the program current as premises, canopy, and payroll change.
What California cannabis operators typically need
- Cannabis general liability for slip-and-fall, products-related bodily injury allegations, and premises claims
- Product liability when a finished good is alleged to have caused injury or property damage
- Cultivation coverage for indoor or outdoor crop, building, equipment, and theft
- Workers compensation for W-2 staff and for “helpers” the state may still treat as employees
- Property, stock, equipment breakdown, and auto when vehicles move product or run errands
Lease agreements, local ordinances, and distribution partners often require certificates with additional insured wording. We issue those from the same program so you are not stitching together unrelated policies.
Why this is different from standard commercial insurance
Many admitted commercial packages exclude cannabis. A contractor’s or landlord’s policy will usually not cover a licensed cannabis occupancy. Using the wrong form can mean a claim is denied even if you paid premium. We review operations, licenses, and locations before we bind so the form matches how you actually work in California.
Talk to a California cannabis insurance broker
Call (916) 967-7715 or use our contact form. Office: 7816 Uplands Way, Ste C, Citrus Heights, CA 95610. License #0G22084. Monday–Friday 9am–5pm.