Cannabis Insurance Risk & Placement Evaluator
Configure operational footprint across cultivation, extraction, retail, and transit. Audit statutory requirements, calculate carrier exposure scores, identify high-hazard exclusion traps, and export an underwriting submission spec.
Underwriting Risk Analysis & Placement Specs
The Cannabis Warranty Trap
Standard surplus lines carriers frequently attach restrictive endorsements: health hazard exclusions, designated premises endorsements that void off-site cargo accidents, and strict burglar alarm warranties. If a burglary occurs while an alarm communication backup is offline, claims are routinely denied.
Product Liability & Cannabinoid Recalls
Product claims are rarely simple slip-and-falls. The bulk of catastrophic losses originate from mislabeled potency, vape cartridge vitamin E acetate or heavy metals from counterfeit hardware, and salmonella in infused gummies. Without explicit Product Withdrawal / Recall Expense riders, operators absorb six-figure state-mandated disposal bills.
Living Plant Material vs. Finished Goods
Standard Commercial Property policies explicitly exclude growing crops. Cannabis operators require dedicated Living Plant Coverage with distinct stages (Seedling/Clone, Vegetative, Flowering, and Harvested). Equipment breakdown coverage must specifically cover climate control, chillers, and dehumidifiers to avoid mass mold spoilage.