Cannabis Business Insurance
Quick answer: Cannabis business insurance for licensed operators usually combines general liability, product liability, property or crop coverage and workers’ compensation, plus surety bonds, excess liability, equipment breakdown and directors and officers coverage when the risk fits. Many standard commercial forms exclude cannabis, so coverage is placed with markets that write cannabis risk. Our cannabis program, The Cannabis Coverage Company, has written cannabis insurance since 2009 and is licensed in all 50 states. Call (916) 967-7715 to start a quote.
The legalization of medical and recreational marijuana has created new opportunities for business owners to take part in one of the fastest growing and most lucrative industries today. A Cannabis Business Insurance policy that is crafted specifically for your business will ensure profitability and mitigate risk for years to come. Every cannabis operation is unique, so we will take the time to explore your needs and create the right solution at the best rate.
Our team of agents is highly knowledgeable about this product and the laws surrounding it. We take the time to meet with our customers to completely understand their needs and create a plan that is customized to fit your business. Our medical/recreational marijuana business insurance coverage includes:
- Cannabis Surety Bonds
- General Liability
- Product Liability
- Excess Liability
- Property Coverage
- Crop Insurance
- Equipment Breakdown
- Workers Compensation
- Directors & Officers
- Lessors Risk (Owners of location buildings) even if not the cannabis business owner
As a local agency, we are accessible to our clients when they need us most. We also have a better understanding of the laws surrounding medical and recreational cannabis because we specialize in providing insurance services for the cannabis industry. Call or contact us today to learn more and protect your business with a Cannabis Business Insurance plan that’s right for you.
Available Coverages
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Cannabis General Liability Insurance As a Cannabis business owner, you face a number of risks and one of the most…READ_MORE
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Cannabis Cultivation Insurance in California Indoor rooms, mixed-light greenhouses, and outdoor canopy do not fail the same way a warehouse…READ_MORE
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Cannabis Workers Compensation Cannabis Workers Compensation Insurance provides coverage in the event of an employee injury, or fatal accident. Most…READ_MORE
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Cannabis Product Liability Insurance in California When a consumer alleges injury or property damage from a cannabis product, the claim…READ_MORE
California operators can also read our California cannabis insurance overview and what licensed operators need to insure.
Talk to a California cannabis broker
Lions & Coventry places cannabis business insurance for licensed California operators through our specialty book (The Cannabis Coverage Company division has written cannabis policies since 2009). No online rate mill — accounts are underwritten one at a time. Bring license type, premises addresses, payroll estimates, and any landlord or distributor insurance exhibit.
Call (916) 967-7715
Contact / request a quote
Office: 7816 Uplands Way, Ste C, Citrus Heights, CA 95610. License #0G22084. Operator readiness list: California cannabis DCC insurance checklist.
California cannabis resources from this brokerage
- Cannabis insurance in California — DCC notes, surplus lines / Export List honesty, FAQ
- California cannabis surety bond (DCC Form 8113) — $5,000-per-premises bond deep dive
- Insurance in Citrus Heights, CA — local office lander
- Contact Lions & Coventry — phone, NAP, certificate requests
Licensed operators: bring licenses, premises, payroll, and any lease or distribution insurance exhibit. We place what the market will actually write — and we say so when a request sits outside available paper.
Also in this silo: California cannabis commercial auto, cargo & transit insurance — surplus-lines honesty, landlord/distributor certificates, Export List context.
Also in this silo: California cannabis dispensary insurance — storefront and delivery retail, landlord certificates, surplus-lines honesty.
Lead magnet: California cannabis DCC insurance checklist — coverage types, certificate needs, Form 8113 bond pointer, surplus lines note.
To see how coverage differs by product type, read about CBD vs THC insurance differences, or see our page on recreational cannabis business insurance.
Also in this silo: Cannabis cyber insurance in California — ransomware, privacy, breach response, and landlord cyber asks for DCC-licensed operators.
Cannabis business insurance FAQ
Short answers for licensed California operators shopping a full program. Brokerage guidance — not legal advice. Confirm current Department of Cannabis Control rules and your lease or bank requirements.
What does cannabis business insurance usually include?
Most licensed operators place a mix of general liability, product liability, property or cultivation coverage, workers compensation, and often surety (including DCC Form 8113 bonds), excess, equipment breakdown, and directors and officers when the risk fits. Start with the lines your landlord, distributor, and payroll actually demand — then fill gaps. Statewide deep dive: California cannabis insurance.
Is cannabis insurance required for a California license?
A DCC license and an insurance policy answer different questions. Licensing is compliance with the Department of Cannabis Control. Landlords, banks, and distributors usually require certificates before you open or renew space. Treat insurance as opening readiness, not a substitute for the license. Checklist: California cannabis DCC insurance checklist.
Why can’t I just buy a standard commercial package?
Many ordinary commercial forms exclude cannabis occupancy. A certificate can look fine while the underlying form would deny a claim. We shop markets that write California cannabis risk and read exclusions before bind — including when surplus lines or Export List markets are the honest path.
Do dispensaries, cultivators, and manufacturers need different programs?
Yes. Retail storefront and delivery stress landlord certificates and product exposure. Cultivation stresses crop, property, and payroll class codes. Manufacturing and distribution add product, stock, and often higher liability limits. Map licenses and locations first — see what operators need to insure and dispensary insurance in California.
Can Lions & Coventry help from Sacramento / Citrus Heights?
Yes. Independent brokerage at 7816 Uplands Way, Ste C, Citrus Heights, CA 95610 (License #0G22084). Call (916) 967-7715 or use the contact form with licenses, premises, payroll, and any landlord or distributor insurance exhibit.
Related coverage / Explore
For California DCC-licensed operators only. These niche pages map appetite and underwriting questions before a producer reviews your submission — no guaranteed placement language.
- Cannabis insurance California (state pillar)
- California cannabis DCC insurance checklist
- What Sacramento cannabis businesses get asked for insurance (education)
- Federal cannabis rescheduling on hold (insurance implications)
Talk to a licensed producer about a quote. Sacramento metro · Cannabis (licensed operators). Call (916) 967-7715 or use the quote form — a Lions & Coventry producer will follow up. CDI License #0G22084. We’ll review appetite honestly.
Selling hemp-derived or CBD products? Federal hemp rules change on November 12 and December 11, 2026. Read what the federal hemp ban means for your insurance before your next renewal.