General Liability Insurance
General liability is the foundation of cannabis business coverage. It protects against third-party claims of injury or property damage arising from your operations, premises, and products.
General Liability for Cannabis Businesses
Whether you run a retail dispensary, a cultivation site, a processing lab, or a delivery operation, the public and other businesses interact with your premises and products every day. A customer who slips in your dispensary, a visitor injured at your grow, or damage to a neighboring suite — these third-party exposures exist on every cannabis operation.
What GL Covers
- Bodily injury: Third-party injuries on your premises — a customer falling in the retail area or lobby
- Property damage: Damage your operations cause to a landlord's building or a neighboring tenant's space
- Products-completed operations: Claims tied to the cannabis products you sell once they leave your premises
- Personal and advertising injury: Libel, slander, and certain advertising-related claims
- Medical payments: Minor on-site injuries handled without a lawsuit
Lease and Licensing Requirements
Cannabis landlords and most state regulators require proof of general liability before you open your doors. Limits of $1M per occurrence / $2M aggregate are standard, and landlords typically require being named as additional insured on your policy. We issue certificates and additional insured endorsements same-day.
Why Cannabis GL Is Specialized
Most standard carriers will not write cannabis risk at all because of the federal status of the plant. Coverage must be placed with surplus-lines and specialty markets that understand the industry — which is exactly where we operate.
What's Covered
Frequently Asked Questions
$1M per occurrence / $2M aggregate is the standard requirement for most dispensary leases and state license rules. Larger operations and commercial landlords often require higher limits, which we can layer with an umbrella.
Because cannabis remains federally illegal, most admitted carriers exclude it entirely. Cannabis general liability is placed through specialty and surplus-lines markets that price the risk properly — that's the market we specialize in.