Looking for Cannabis / CBD Insurance?
Protect your cannabis or CBD business from product liability, crop loss, theft, and regulatory exposure. Harper provides insurance for dispensaries, cultivators, processors, and CBD retailers, with fast certificates for regulators, landlords, and financial partners.
What is Cannabis / CBD Insurance?
Cannabis and CBD insurance protects licensed marijuana and hemp businesses from risks such as product liability claims, crop or inventory loss, theft, equipment damage, and compliance-related exposure. Coverage commonly includes product liability, property and inventory protection, crop coverage for cultivators, and general liability. State regulators, landlords, and banking partners often require proof of insurance before licensing, leasing, or providing services.
Product Liability
Coverage for claims related to contamination, mislabeling, dosage issues, or adverse reactions tied to cannabis or CBD products.
Crop & Inventory Coverage
Protects plants, harvested product, and packaged inventory from theft, fire, and covered losses.
Facility Protection
Covers growing equipment, processing machinery, retail locations, and operational assets.
Certificates
Fast proof of insurance for regulators, landlords, lenders, and service partners.
Who Needs Cannabis / CBD Insurance?
- Cannabis dispensaries : Businesses requiring specialized insurance coverage
- Cultivation and grow facilities : Businesses requiring specialized insurance coverage
- Processing and manufacturing operations : Businesses requiring specialized insurance coverage
- CBD retailers and distributors : Businesses requiring specialized insurance coverage
Why Harper?
Cannabis & CBD Industry Expertise
Cannabis businesses face higher scrutiny, restricted carrier options, and evolving regulations. Harper understands the risks tied to product safety, theft exposure, crop loss, and compliance, and places coverage built specifically for licensed cannabis and CBD operations.
Fast Proof for Licensing and Leasing
State regulators and landlords often require specific insurance language before approving licenses or leases. Harper delivers accurate, compliant certificates quickly to help avoid operational delays.
Clear, Practical Guidance
We explain product liability, crop coverage, property protection, and compliance requirements in clear terms so you understand how coverage applies to your business model.
Coverage Matched to Your Operations
Whether you operate cultivation, processing, retail, delivery, or CBD-only operations, Harper helps align coverage with how your business is licensed and structured.
Frequently Asked Questions
What insurance do cannabis businesses need?
Most cannabis businesses need product liability and general liability coverage. Cultivators typically require crop coverage, while dispensaries and processors often need property coverage for facilities and inventory. Workers compensation is required if you have employees.
Is cannabis insurance required?
Yes. State regulators often require liability insurance for licensing. Landlords typically require property and liability coverage, and financial institutions may require proof of insurance to maintain accounts.
How much does cannabis insurance cost?
Costs vary by operation type and inventory value. Dispensaries often pay $5,000–$15,000 annually, while cultivators and processors may range from $10,000 to $50,000 or more.
Does insurance cover product recalls?
Product liability coverage may include recall protection for contamination, mislabeling, or safety issues that require product removal, subject to policy terms.
Does insurance cover theft?
Property coverage can protect plants, inventory, and equipment from theft when required security measures are in place.
Can I add landlords as additional insureds?
Yes. Cannabis facility leases commonly require landlords to be added as additional insureds, and Harper assists with certificates and endorsements to meet compliance requirements.