Impairment Liability When Your Accounts Need It
Key Takeaways:
Loosening of state regulations surrounding cannabis can open new business opportunities for you and your accounts, just as greater restrictions can create challenges. A carrier that you can count on for a strong, consistent Impairment Liability appetite is incredibly valuable.
When other carriers shy away, our General Casualty team provides creative, reliable Impairment Liability coverage for restaurants, bars, breweries, convenience stores, nightclubs, and gentlemen’s clubs in states where cannabis/THC consumption is legal.
State |
Current State Regulations |
Risk Type |
Coverage Solution |
|
Wisconsin |
CBD/low THC program |
Distillery with $20,000 in THC-beverage sales; 100% offsite consumption |
$300,000/$300,000 limits; |
|
Iowa |
CBD/low THC program |
5 locations with $250,000 in THC-related sales; onsite sale & consumption & to-go sales |
$1M/$1M limits; |
|
Minnesota |
Adult & medical use regulated program |
Brewery making & selling THC-only & THC/CBD beverages for on- & offsite consumption |
$300,000/$300,000 limits; |
|
Wisconsin |
CBD/low THC program |
Bar with onsite sale & consumption of pre-canned THC cocktails |
$300,000/$300,000 limits; |
|
Ohio |
Adult & medical use regulated program |
Restaurant/bar with THC beverages for onsite sale & consumption & to-go sales |
$300,000/$300,000 limits; |
|
Virginia |
Adult & medical use regulated program |
Restaurant/bar/arcade/brewery with THC/CBD for onsite sale & consumption & to-go sales |
$300,000/$300,000 limits; |
|
|
The best way to know what opportunities are available for you and your hospitality accounts is to frequently check state regulations in your home and surrounding states.
As of year-end 2025, 40 states, three territories, and the District of Columbia allow the use of cannabis products for medical use, and 24 states, three territories, and the District of Columbia allow or regulate non-medical, adult use of cannabis. Eight states also allow the use of “low THC, high cannabidiol” products for select medical reasons or as a legal defense.
Many states offer dedicated cannabis/marijuana commission or control board websites where you can view the latest regulations. The National Conference of State Legislatures (NCSL) also provides a bimonthly, state-by-state view of enacted legislature relating to cannabis.
Find NCSL Reports for Your State
Kinsale’s General Casualty appetite includes Habitational, Hospitality, Hotels & Lodging, Education & Religion, and a range of miscellaneous categories. And just like our appetite for Impairment Liability, all of our classes are backed by creative underwriting, best-in-class service, and consistency.
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