US
CA
EU
What is Cannabis Package Insurance?
A Package combines multiple core coverages into one policy, helping cannabis business owners simplify their insurance needs. A cannabis Package offers:
- Property Insurance – Protection for your buildings, equipment, and cannabis inventory
- General Liability Insurance – Coverage for third-party claims of injury, property damage, or advertising injury
- Crop Coverage – Customizable protection across the plant life cycle
This bundled solution is designed to keep cannabis operators compliant, protected, and financially secure.
Key Coverage Highlights
Property Insurance
- Commercial property ISO and manuscript forms
- No sublimit for securely stored cannabis inventory on premises
- Outdoor business personal property available
- Coverage limits up to $42M per location** (Property + Crop TIV)
- A.M. Best Rated A+ XV carrier
- Deductible options: $2,500 – $50K
**Higher limits may be available
Property Enhancements Available:
- A Property Enhancement endorsement that includes account receivables, money & securities, spoilage, property in transit, valuable papers & records, outdoor property (signs, fencing, plants), etc
- Equipment Breakdown
Crop Coverage
- Capacity up to $42M per location** (Property + Crop TIV)
- Coverage for all plant stages: seeds, seedlings, vegetative, flowering, harvested, finished stock
- Indoor & durable construction greenhouse operations approved
- Deductible options: $2,500 – $50K
**Higher limits may be available
General Liability Insurance
- Occurrence coverage form
- Limits from $1M/$1M to $2M/$2M
- Square footage rating available
- Deductibles starting at $2,500
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Specialized endorsements:
- Pesticide & Herbicide Applicators (available in WA & MA)
- $50,000 Occurrence/Aggregate
- $250,000 Occurrence/Aggregate
- HNOA Endorsement $1,000,000
- Additional Insured endorsements
- Employee Benefits Liability (EBL) available in all states except NY
- Stop Gap (available in WA, OH)
- Assault and Battery
- Pesticide & Herbicide Applicators (available in WA & MA)
Excess Liability Insurance
Separate policy from the Package
- Occurrence form
- Coverage limits up to $4M (Limits from $1,000,000 - $4,000,000) **
- Extends over CannGen GL policies
- Affordable minimum premium starting at $1,000
**Higher limits may be available
Who Needs Cannabis Package Insurance?
CannGen's Package is available for a wide range of cannabis, CBD, and hemp businesses, including:
- Cultivators & Growers
- Processors & Harvesters
- Manufacturers
- Wholesale Distributors
- Transporters
- Dispensaries & Retailers
- Smoke Shops
- Non-Storefront Delivery Operators
- Laboratories & Testing Facilities
- Building Owners / LRO
- Ancillary Businesses
Why Choose CannGen?
- Industry Expertise – First MGU dedicated exclusively to cannabis, CBD & hemp
- Comprehensive Packages – Package combines property, liability, and crop coverage into one
- Customizable Policies – Low minimum premiums and scalable limits for businesses of all sizes
- Nationwide Reach – Multi-state policies available across the U.S.
- Financial Strength – Backed by A.M. Best A+ rated carriers
How to Get Covered
Applying for a Cannabis Package is simple with CannGen's streamlined process:
Complete Application
Complete the CannGen Package Application or complete via our Submission Portal
For multiple buildings/locations, we will require pages 4 & 5 of the application be completed per building/location.Submit You Submission
Send your submission to cannapp@canngenins.com or submit via portal
Review & Quote
Our underwriting team reviews your materials and provides a tailored quote.
Get Protected
Secure coverage that keeps your employees and your business safe.
Protect Your Cannabis Business with a Package Today
A single policy. Comprehensive protection. Designed for the cannabis industry.
Get a quote today for Cannabis Package Insurance with CannGen and protect your business from seed to sale.