Cargo Transport
Trucking companies that carry cannabis products may need specialized coverage for their unique cargo. Find cargo coverage options, both primary and excess, from our Inland Marine team.
Marijuana-related businesses (MRBs) face a complex regulatory environment and unique exposures that demand specialized solutions at every stage of the lifecycle. Kinsale was one of the first carriers providing insurance to cannabis businesses more than a decade ago, and our underwriters remain well versed in the nuances of cannabis and cannabis-related industries.
Whether you need insurance for a startup cultivator, multi-state operator, manufacturer of infused products, or a dispensary expanding into new markets, Kinsale offers a broad and consistent underwriting appetite for Tier I and Tier II MRBs. We also have an appetite for hemp-derived CBD businesses and emerging exposures tied to natural medicine and psychedelic therapies. The result is a one-stop shop for cannabis insurance, helping you move accounts efficiently through every phase of the business lifecycle from “seed to sale.”
Explore our cannabis insurance options below or review our Cannabis Insurance FAQs for answers to some of your top questions.
Trucking companies that carry cannabis products may need specialized coverage for their unique cargo. Find cargo coverage options, both primary and excess, from our Inland Marine team.
Companies operating or leasing equipment involved in growing or extraction may need coverage for their cannabis operations. Find equipment operations or rental coverage from our Inland Marine Division.
Special events involving cannabis, like festivals, concerts, or retreats, often require specialized insurance, whether or not the event includes consumption. Find coverage from our Entertainment and Excess Casualty Divisions.
Clinics performing medical marijuana evaluations and pharmacies dispensing medical marijuana prescriptions may require specific coverage for their cannabis-related operations. Find coverage from our Allied Health team or Excess Professional teams.
Dispensaries, product manufacturers, retailers, and other companies involved in the business of cannabis may need insurance coverage for their leadership or their employment practices. Find options from our Management Liability and Excess Professional teams.
Manufacturers, distributors, and retailers of cannabis products, including synthetics, plant oil, topical products, and dietary supplements, need specialized coverage for their products. Find coverage for health & beauty products from Life Sciences, options for most other products from Products Liability, and recall coverage from Product Recall.
Individual practitioners performing evaluations or issuing prescriptions for medical marijuana use typically need medical malpractice coverage specifically for cannabis-related care. Find solutions from our Health Care or Excess Professional teams.
Accountants, lawyers, safety consultants, and other professionals take on unique risks when working with cannabis-related business, requiring specialized insurance. Find coverage from our Professional Liability and Excess Professional Divisions.
Landlords and property managers with high-risk tenants, like cannabis growers or dispensaries, may require coverage for their cannabis exposures. Find coverage for areas under 200,000 sq. ft. from our Small Business team or above that size from our General Casualty team.
Kinsale insures marijuana-related businesses (MRBs) across the full cannabis lifecycle — from cultivation and processing to manufacturing, distribution, retail, and medical markets. Our appetite covers both Tier I MRBs (businesses that directly touch the plant, such as cultivators, processors, manufacturers, and dispensaries) and Tier II MRBs (ancillary businesses that support the industry without directly handling cannabis, such as packaging suppliers, consultants, and technology providers).
We also write hemp-derived CBD businesses nationwide and emerging exposures tied to natural medicine and alternative therapies in states where they’re legalized. If your account operates in a state with legalized medical or recreational use, chances are we have a solution for them. Explore our full catalog of cannabis solutions.
Yes, the distinction matters both for underwriting and pricing. Tier I MRBs are state-licensed operations that directly handle cannabis at some point along the supply chain, such as cultivators, extractors, manufacturers, and dispensaries. Tier II MRBs don’t touch the plant themselves; they support revenue generation for Tier I businesses. Examples might include hydroponic suppliers, cannabis-focused accountants or lawyers, security firms, etc.
Because Tier I businesses carry more direct product and regulatory exposure, they typically require broader coverage and undergo more detailed underwriting review. Kinsale has built an appetite that serves both tiers with primary and excess options across our specialized casualty, professional, property, and transportation lines.
Yes. Kinsale serves as a one-stop shop for cannabis insurance with coverages for all stages of the lifecycle.
While many divisions span multiple areas, the examples below show how coverage can be structured from seed to sale:
SEED: Growers & Processors
PRODUCTION: Manufacturers
DISTRIBUTION: Transporters
SALE: Retail, Hospitality, Medical, & Professional Services
Excess options are available through our Excess Casualty & Excess Professional Divisions.
Yes. Unlike many carriers that limit their cannabis appetite to state-licensed THC operators, Kinsale writes hemp-derived CBD businesses nationwide. CBD businesses face their own unique set of exposures: product liability claims, labeling and regulatory scrutiny, and the reputational risks associated with an industry that remains in regulatory flux at the federal level.
Cannabis product coverages are among of the most critical and commonly overlooked coverages in the industry.
Kinsale’s Products Liability Division offers Products and General Liability, as well as BPP options specifically for cannabis manufacturers. For manufacturers working with nutraceuticals, high-potency extracts, or emerging cannabinoids, our Life Sciences Division can provide broader products and professional liability coverage. Our Product Recall Division provides coverage for both voluntary and government-mandated recalls, including recall expense and third-party liability.
Yes. As regulated therapeutic uses of psilocybin and ketamine-assisted therapy expand, practitioners and facilities face coverage needs that most standard markets aren’t equipped to handle.
Kinsale’s Health Care Division covers physicians, nurse practitioners, evaluators, and facilitators participating in cannabis, ketamine, psilocybin, and other emerging natural medicine programs. Our Allied Health Division covers dispensaries and ketamine/psilocybin treatment facilities, and our Life Sciences Division extends to high-risk and emerging products including kratom and nutraceuticals.
Kinsale’s property appetite for cannabis facilities splits based on total insured value (TIV). For dispensaries, extraction facilities, and labs with a TIV up to $5M, our Small Property Division is the right place to start. For larger facilities with TIVs exceeding $5M, our Commercial Property Division takes over.
For cultivators with indoor or outdoor grows, greenhouses, and agricultural equipment, our Agribusiness Property Division is equipped for the unique exposures of cannabis agriculture.
Multi-state operators (MSOs) are one of the fastest-growing segments in cannabis, and they bring layered complexity: varying state licensing requirements, different product regulations, inconsistent coverage mandates, and the challenge of maintaining a consistent risk profile across facilities. Kinsale’s broad and consistent underwriting appetite means that your account doesn’t have to piece together a patchwork of carriers as they expand. Reach out to the Division Manager that best fits your needs to learn more about MSO specifications. Division Manager contact information can be found on the appropriate division page.
