Insurance for the Cannabis Industry

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Insurance for the Cannabis Industry



Insurance for the cannabis industry is on the rise as the legalization of marijuana continues. Only XINSURANCE can provide an insurance solution that gives you and your business true peace of mind. 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.

It’s important to note that misfortunes can occur in any business leaving owners exposed to potentially devastating financial losses and that is why you need an insurance plan for your business.

XINSURANCE provides solutions that can’t be found anywhere else and will tailor an insurance plan that fits your needs.

woman in apron standing in front of plants and greenhouse

Insurance for the Cannabis Industry – Who We Can Help

We’re happy to help individuals and businesses across the cannabis industry. Some examples include:

  • Cultivators (indoor/outdoor)
  • Processors/Manufacturers (plant extraction to product formulation)
  • Transporters (B2B)
  • Deliveries (patient/customer home delivery)
  • Analytical Testing Labs
  • Retailers (“Dispensaries” – medical and/or recreational)
  • Any business or individual in the cannabis industry

What Coverage is Available with Insurance for the Cannabis Industry

We can offer a wide variety of coverage solutions and thanks to our all-in-one approach, you can have it all under one policy! To learn more about cannabis insurance and see other types of coverages, go to

  • Commercial Auto (available in most states)
  • Commercial General Liability
  • Crop Coverage (Indoor and Outdoor)
  • Directors & Officers (D&O)
  • Errors & Omissions (E&O)
  • Goods in Transit (Cargo and Custody)
  • Premises Liability
  • Product Liability
  • Professional Liability
  • Property Coverage
  • Communicable Disease Liability
  • Security Personnel Liability
  • Firearms Concealed Carry Liability
  • Active Shooter Liability
  • Employment Practices Liability
  • Equipment Breakdown
  • Animal Liability
  • Special Events Liability
  • True Umbrella / Excess


It’s all about you and your business. It doesn’t matter if you are starting up a business, or an established owner with tons of experience. If you are having a difficult time finding insurance or want to make sure all of your risks and gaps are covered, we can help you get the right coverage, limits, deductibles, and protection that is tailored uniquely for your business needs.

With limits up to $10 million (excess available) and our in-house services for flexible underwriting, policy services, risk management, and claims management (24/7 claims hotline), you are well protected.

Our all-in-one, partnership approach ensures you have the tools you need to concentrate on what you do best.


XINSURANCE is a proud member of the National Cannabis Industry Association (NCIA).

The NCIA is a non-profit organization and the only national trade association advancing the interests of the responsible cannabis industry.

NCIA Member Badge


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The cannabis industry employs between 125,000 to 160,000 full-time workers. It’s expected to add another 340,000 full-time jobs by 2022, reflecting an estimated growth of 21% per year.

cannabis dispensary insurance in a container icon

As of January 2017, unregulated medical marijuana dispensaries had 24,120 customers in a year, on average.

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Car crashes were up as much as 6% in states where the recreational use of marijuana has been legalized.

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