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Growers and Cultivators

Medical marijuana crop insurance coverage for small, medium and enterprise-level cultivation operations, including greenhouses and nurseries:
· General Liability Coverage
· Buildings/Equipment/Crops
· Transit/Delivery Coverage
· Nationwide Roadside Assistance
· Theft/Fire/Vandalism
· Wind/Hail/Falling Objects
· Other Standard Perils
· Finished Stock/Marijuana

Professional Liability

MJ Protects the insured against claims made by clients for potential negligence or failing to adequately perform contracted professional services. Sometimes referred to as Professional Liability/Errors & Omissions or Professional Indemnity Insurance, this coverage is typically excluded from a general liability or business owners policy. Provides protection for attorneys and legal professionals working specifically in the medical cannabis industry.

Property and General Liability

MJ Insurance provides comprehensive insurance coverage options for business operating in the medical cannabis industry. Protect your investments with a business insurance program uniquely designed for your industry and your business needs.
  • Cannabis Workers' Compensation
  • Equipment Breakdown
  • Business Property
  • Loss of Income
  • Money and Securities
  • Employee Dishonesty
  • Glass Coverage
  • Tenant Improvements
  • Computer Equipment

Caregivers and Dispensaries 

MJ Insurance offers a range of insurance options for dispensaries, collectives, cooperatives and caregivers, including:   

· General Liability Coverage
· Property Insurance
· Commercial Vehicle Coverage
· Workers' Compensation
· Payroll Services
· Financing Available

State Raid and Legal Defense

Legal Defense Costs Reimbursement applies to arrest or charges brought against the insured by a Governmental Authority arising from the possession, transportation, cultivation or distribution of medical marijuana or marijuana derivatives and for which the insured pleads not guilty and believes they have a legal right to do so under state and local guidelines. The insurer becomes liable to pay incurred fees no sooner than 60 days after the earliest of the following:
  • Insured pleads "not guilty" to all charges
  • The charges are dismissed
  • Insured is found not guilty of all charges

The maximum limit to liability under the Governmental Action Reimbursement Endorsement is $5,000 per occurrence and $10,000 aggregate.

Manufacturers and Vendors

Cannabis product developers and commercial kitchens face challenges unique to the cannabis industry. From product liability to stock coverages, MJ Insurance understands the intricacies and details of running and insuring a cannabis business.
  • Equipment Breakdown
  • Stock Spoilage
  • Business Property
  • Finished Stock, Marijuana Theft and Fire
  • In-Transit/Cargo Coverage
  • Product Liability Coverage

Commercial Auto and Delivery 

The transport and delivery of medical marijuana stock and related products poses challenges unique to the Cannabis Industry. Don't risk your inventory with inadequate auto coverage. MJ Insurance has designed commercial auto coverage specifically for medical cannabis businesses.

  • Limits $15/30 to $1 Million – CSL
  • In-Transit/Cargo
  • $100-$10,000 Product/Money
  • Hired and Non-Owned
  • Workers Compensation
  • Finished Stock/Marijuana
  • Employee Dishonesty