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CannGen Insurance

Our Coverages

We offer a complete suite of insurance solutions designed for cannabis, CBD, and hemp operations:

Workers’ Compensation

Workers’ Compensation

Protect your employees and meet regulatory requirements with tailored workers’ compensation coverage for cannabis, CBD, and hemp businesses.

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Property & General Liability (Package)

Property & General Liability (Package)

Safeguard your facilities, equipment, and operations with comprehensive property and general liability insurance packages.

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Products Liability

Products Liability

Coverage against claims from product-related risks, helping you protect your business from costly lawsuits and recalls.

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Auto

Commercial Auto

Insurance for commercial and delivery vehicles, ensuring your fleet is protected on the road and your business stays moving.

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Management Liability

Management Liability

Protection for leadership and management liability, covering directors and officers against claims related to their decisions and actions.

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Professional Liability

Professional Liability

Protect your cannabis business from errors, omissions, and professional risks with CannGenPRO — tailored E&O coverage for operators, labs, consultants, and ancillary service providers.

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Explore All Coverages

Cannabis Insurance Coverage Map

Explore where CannGen provides coverage across the U.S. on a state-by-state basis — and learn key facts about each state’s cannabis market and legalization status.

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Coverage Map

Classifications

Cultivators

Cultivators

Cultivators are divided into three categories: indoor, outdoor, and greenhouse. Although there is some outdoor cultivation, most cultivation exposure is either indoor with the aid of grow lights, or in greenhouses. There is no coverage available for outdoor crops.
Wholesale Distributors

Wholesale Distributors

Wholesalers/Distributors engage in the sale of goods or merchandise to retailers or other distributors. Products are typically stored and shipped out of the warehouse or distribution center.
Laboratories

Laboratories

Laboratories can be a stand-alone operation, or part of a larger vertically integrated operation in conjunction with other program classifications. All laboratories must adhere to state and local laws in the state they operate in.
Processors/Harvesters

Processors/Harvesters

3rd party Processors/Harvesters are companies that contract to harvest, process, quarantine and test approved cannabis and hemp products. This classification can be used in conjunction with the cultivation classification, if that cultivator is also providing 3rd party contracted services as described above.
Transporters & Non-Storefront Delivery

Transporters & Non-Storefront Delivery

Delivery Services must be classified as one of the following:

  • Approved classification to patient
  • Approval classification to approved classification (for example, manufacturer to dispensary)
  • Sub-contracted and delivers to an approved classification
Lessor’s Risk (LRO) & Building Owners

Lessor’s Risk (LRO) & Building Owners

Lessors Risk covers the property owner for liability and property exposures. We provide coverage for industrial properties, office buildings, warehouses, greenhouses, strip malls, and more that landlords lease to cannabis facilities and other businesses in the legal cannabis industry.
Manufacturers

Manufacturers

Manufacturers integrate the cannabis and hemp into other edible or ingestible products including, but not limited to: bakery goods, candies, oils, shatters, or other edibles. Manufacturers must produce the edible and/or topical goods in commercial kitchens or approved state facilities (this would be subject to individual state regulations).
Dispensaries & Retailers

Dispensaries & Retailers

Dispensaries and retail operations are eligible for the program. Onsite consumption is approved for retail and/or dispensary classifications unless the state regulations prohibit the use of cannabis and hemp on the premises of the dispensary or retail operation.
Ancillary Businesses

Ancillary Businesses

CannGen underwrites a variety of ancillary business that support the cannabis, CBD, and hemp industry including equipment manufacturers, white labeling operations, branding companies, hydroponic stores, and many more. Most lines of coverage are eligible for and qualify for our proprietary product offering.
Resources & Insights

Resources & Insights

Stay informed with updates, compliance guides, and industry insights using our Agent Resource Center

  • How to Submit: A Broker’s Guide to Streamlining Your Submissions
  • Brochure & Flyers: Co-brand with CannGen to position your agency as industry experts
  • Compliance & Regulations: Help your clients remain compliant in the ever changing cannabis industry landscape on a state-by-state basis.
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For Brokers & Agents

CannGen is built for brokers and agents who need reliable, specialized coverage options for their cannabis clients. Our customized underwriting process, broad coverage suite, and strong carrier relationships make us the go-to partner for cannabis insurance solutions.

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Why Choose CannGen?

Why Choose CannGen?

  • Industry Pioneer - First mover and market leader in cannabis insurance.
  • Specialized Expertise - Exclusive focus on cannabis, CBD, and hemp operations.
  • Comprehensive Protection - Customized solutions for every stage of the business cycle.
  • Nationwide Reach - Licensed to provide coverage across all U.S. states.
  • Financial Strength - Backed by A.M. Best “A”-rated carrier partners.
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Who We Are Second image

Who We Are

CannGen Insurance Services, LLC is the first Managing General Underwriter (MGU) exclusively focused on the legal cannabis, CBD, and hemp industries. Since 2008, we’ve pioneered specialized coverage tailored to the unique risks faced by businesses across the entire supply chain. Backed by A.M. Best “A”-rated carrier partners, we provide the financial strength, reliability, and expertise you can count on.

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Looking for a trusted partner in cannabis, CBD, and hemp insurance?

Get started today with CannGen — your nationwide cannabis insurance solution.

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