Commercial Property Insurance
Commercial property covers the physical assets of your cannabis operation — the building or tenant improvements, inventory, fixtures, and equipment — against fire, theft, and other covered perils.
Commercial Property for Cannabis Operations
Cannabis businesses invest heavily in build-out, security infrastructure, specialized equipment, and inventory. Commercial property insurance protects those assets against fire, theft, vandalism, and other covered perils — whether you own the building or lease the space.
What Property Coverage Protects
- Building or tenant improvements: Your structure, or the expensive build-out you added to a leased space
- Business personal property: Display cases, safes, security systems, lab and grow equipment, POS systems
- Inventory and stock: Finished product and supplies, valued per your policy terms
- Signage and fixtures: Exterior and interior installations
Build-Out Is a Major Exposure
Dispensary and processing build-outs — vaults, secured rooms, HVAC, extraction equipment — often represent hundreds of thousands of dollars in a leased space. Many operators under-insure their tenant improvements. We make sure your build-out is valued correctly so you are not left exposed after a loss.
Inventory Valuation Matters
Because cannabis inventory is high-value and regulated, how it is valued on the policy is critical. Specialty carriers handle finished-stock and inventory limits in ways standard property forms cannot — getting this right protects your most liquid asset.
What's Covered
Frequently Asked Questions
Yes. Your landlord insures the bare building, but your build-out, security infrastructure, equipment, fixtures, and inventory are yours to protect. Tenant improvement coverage is essential for cannabis leaseholders.
Inventory valuation is a specialized area — limits and basis of valuation differ from standard retail. We place property coverage with markets that understand cannabis stock so your finished product is properly covered.