Insurance For The Cannabis Industry

Specialty business insurance solutions tailored to your needs.
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Covering crop to counter: customized insurance solutions for the cannabis industry.

From cultivation to distribution, we have your cannabis business covered at every step of the journey in the rapidly expanding cannabis market.

The Importance of Insurance in the Cannabis Industry

As a business operating in the dynamic and ever-evolving cannabis industry, having liability insurance is of utmost importance. If your business grows, sells, transports, delivers, or dispenses medical and/or recreational cannabis to others, having an insurance plan protects your business against claims related to your business operations. Having proper insurance helps ensure that you are prepared to face any unexpected challenges that may arise in this highly regulated sector. While some insurance providers may lure you with cheap policies, it is crucial not to settle for such options. Cheap insurance often fails to deliver adequate coverage when you need it the most, leaving you vulnerable and unprotected. Instead, choosing a reliable insurance partner like XINSURANCE allows you to invest in comprehensive and tailored coverage that safeguards your business, its assets, and its reputation. With XINSURANCE, you can have the peace of mind of knowing that you have the support and protection you deserve, allowing you to focus on growing and thriving in the cannabis industry.

Cannabis Industry Insurance: Who We Can Help

  • Cultivators (indoor/outdoor)
  • Processors/Manufacturers
  • Transporters (B2B)
  • Deliveries (patient/customer home delivery)
  • Analytical Testing Labs
  • Retailers (Medical/Recreational Dispensaries)
  • And More!
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Cannabis Business Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Crop Coverage (Indoor/Outdoor)

Provides protection against potential damage or loss to the cannabis plants during all covered cycles of cultivation.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Cannabis Insurance

What is cannabis business insurance?

Cannabis business insurance provides coverage for risks and liabilities specific to the cannabis industry, protecting businesses involved in cultivation, manufacturing, distribution, and retail.

XINSURANCE provides cannabis business insurance solutions that can be customized to fit your business needs. We offer an all-in-one solution that allows you to have all of your insurance coverages under one policy. We can also fill the gaps and cover exclusions that you might see on traditional policies.

How much does cannabis business insurance cost?

The cost of cannabis business insurance varies depending on factors such as business size, location, coverage needs, and risk factors. It is recommended to contact us and tell us about your insurance needs so we can provide a personalized quote.

Can cannabis businesses obtain coverage for product recalls?

Yes, our product liability coverage solution typically includes coverage for product recalls, helping businesses navigate the financial implications of recalls due to safety or regulatory concerns.

Are outdoor cannabis crops covered by insurance?

Some insurance policies may exclude coverage for outdoor cannabis crops but XINSURANCE can provide solutions to cover both outdoor and indoor cannabis crops, protecting against risks such as theft, fire, storm damage, or other unforeseen events.

Can cannabis businesses purchase insurance if they operate in multiple states?

Yes, cannabis businesses operating in multiple states can typically obtain insurance coverage, although policy terms and availability may vary depending on the individual state’s regulations.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Free Cannabis eBook

With legal cannabis/hemp/marijuana retail sales projected to grow (no pun intended) to $39-$46 billion in 2025 and potentially reach $71 billion in 2028, the business is there for the taking.


No matter where you operate in the supply cycle, all it could take is one bad season… one misfortune… one lawsuit to put you out of business and potentially bankrupt you.

Download this FREE ebook to better understand how to TRULY protect yourself, your business, and your livelihood in the complex and often-confusing cannabis arena so you can benefit from the $BILLIONS to be generated in the years ahead!

Download Now

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.