Cannabis Insurance FAQs

We’ve compiled frequently asked questions about our Cannabis solutions to help you better understand our coverage for cannabis cultivators, wholesalers, processors, and dispensaries.

Q: What limits does Admiral provide for cannabis?
A: We can provide limits up to $5 million, depending on the exposure.

Q: Does Admiral cover vapes?
A: Yes, Admiral can cover both cartridges and devices for cannabis.

Q: What states does Admiral provide coverage for cannabis risks?
A: All states where cannabis is legal, either medicinally or recreationally, except NJ & DE.

Q: How does Admiral handle consumption allowed on premises?
A: We will consider on-site consumption as long as it is licensed.

Q: Can Admiral cover delivery of marijuana?
A: Yes, we consider delivery as long as it’s licensed. We do not cover independent cannabis delivery services. Admiral does not write commercial auto coverage.

Q: Does Admiral provide professional liability insurance for budtenders?
A: Yes, the Admiral policy can provide a sublimit for budtenders professional liability.

Q: What coverages does Admiral offer for cannabis businesses?
A: We offer casualty coverage for cannabis cultivators, processors, wholesalers, and dispensaries. We additionally offer property, workers compensation, and EPLI for dispensaries*.

Q: Can Admiral write multi-state?
A: Yes, we do write multi-state exposures.

Q: Can Admiral write businesses with both marijuana and hemp/CBD products?
A: Yes, Admiral will write accounts growing, processing, or selling both THC and CBD products.

Q: Is a specific supplemental required for submission?
A: Yes, we require a supplemental. We require at least the information included in the Admiral Marijuana Liability Application.

Q: Is there an ingredient limitation endorsement?
A: No specific ingredient limitations. Any limitations regarding ingredients are addressed during underwriting.

Q: Will Admiral write the CGL for a landlord that has a grower as a tenant?
A: Yes, we will consider.

Q: Is Admiral able to handle companies with an international exposure?
A: Yes, depending upon the exposure and how big the international exposure is.

Q: Are testing labs covered?
A: No, we do not offer coverage for testing labs.

Q: Does Admiral provide supported or unsupported excess coverage for cannabis?
A: No, we do not, but up to $5 million in primary limits are available.

 

*Additional coverages are only available when bound with the Admiral CGL policy. Quotes for each line of business are subject to the underwriting guidelines applicable to that line and a CGL quote does not guarantee a quote for other lines.

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