Cannabis Industry Program

Offered by Breckenridge Insurance

Cannabis Wholesale Distributors Dispensaries Medical Marijuana Cannabis Grow Operations


Specific solutions for a complex industry. 

Now offering product liability in select states. With the ever-changing rules and regulations around cannabis, you need an insurance partner who can help you navigate the risks in this dynamic industry. Breckenridge Insurance can tailor a coverage solution that fits a range of businesses serving this space, including those who sell, grow, manufacture or process products containing greater than 0.3% THC. With an AM Best A+ Rated carrier and the sound approach of experienced underwriting professionals, let us help you access fitting protection for this emerging industry. For cannabis dispensary-related quotes, click here.


  • Retailers/dispensaries with or without on-premises consumption
  • Cultivators/growers
  • Processors/manufacturers
  • Wholesalers/distributors
  • Medicinal
  • Recreational
  • Cannabis paraphernalia and related products
  • Excluded Classes: 
    • Temporary events
    • Testing labs (considered for professional liability)
    • Social clubs


  • Maximum limits of $5M/$5M/$5M
  • Maximum per location general aggregate limit of $5M
  • Minimum premium of $5,000
  • Minimum deductible of $2,500
  • Coverage for electronic vapes
  • Budtender Professional Liability
  • Hired non-owned auto coverage available
  • Full CGL
  • Claims-made
  • Property and Inland Marine
  • Workers’ Comp coverage available in certain states
  • Product Liability available in the following states – AZ, AK, OR, WA, CO, OK, NV, NM, MD AR, AK, MO, PA, MI & MT
    • Cannabis Property Coverage – Provides coverage for cannabis stock, including a valuation clause for plants based on the different development stages of a plant. We allow for limited growing operations as part of the dispensary, subject to state regulations and license requirements
    • Cannabis Liability Coverage – Proprietary coverage form addressing cannabis liability exposures, exclusions, warranties etc. Coverage follows the occurrence limit of the policy
    • Products Completed Operations can be Occurrence or Claims-made


  • AM Best A+ Rated carrier
  • Industry knowledge
  • Responsive team
  • Reliable claims handling

Submission Criteria:

  • Completed application
  • Loss runs 2 years
  • For added coverage options, additional forms may apply
  • Startups are eligible with certain considerations

Program is available in all states where legal.

Listing Contact

Breckenridge Insurance

Offered By

Breckenridge Insurance

4 listings in 50 states + DC

Engaged View Company

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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