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Cannabis Insurance

Surplus lines solutions for a wide range of cannabis businesses.
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Cannabis Specialty Insurance That Helps Your Clients Stay Ahead of the Curve

Cannabis businesses face many unique challenges, from constantly shifting regulations to emerging risks and ever-evolving insurance options. DeCotis Specialty Insurance understands the complexities of the industry and your clients’ requirements. We’ve secured access for agents to the latest surplus lines solutions from AM Best A-Rated markets, covering cannabis businesses at every stage of the supply chain, from seed to sale.

Target Classes

FOR THE CANNABIS INDUSTRY

We help our agency partners meet the specialty insurance requirements of clients in the cannabis industry, including but not limited to:

  • Retailers and dispensaries
  • Non-storefront home delivery
  • Outdoor and indoor cultivators
  • Growers
  • Processors
  • Distributors
  • Transporters
  • Manufacturers (no extraction)
  • Combustible and noncombustible extraction manufacturers

Coverage Options

DeCotis offers various surplus lines solutions to help agents meet the diverse specialty risks and insurance requirements of clients in the cannabis industry.

  • Property Insurance: Buildings, equipment, and inventory (including finished stock)
  • General Liability: Bodily injury, property damage, and legal defense costs
  • Product Liability: Claims related to adverse reactions or defective cannabis products
  • Crop Coverage: Protection for plants during various growth stages (indoor/outdoor)
  • Minimum Premium: $500

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Property includes coverage from seed through sale
  • General Liability available on either an Occurrence or Claims-Made form
  • Limits up to $1 million / $2 million available on Premises and Products Liability
  • Retroactive date available up to five years
  • Employee Benefits Liability available
A flyer from Decotis Specialty Insurance highlights Cannabis Insurance options, featuring cannabis leaves, coverage details, eligible classes, benefits, and contact information alongside a QR code for quotes.
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SUBMISSION REQUIREMENTS

Download the Cannabis Product Liability Supplemental Application and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

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A form titled Cannabis - Hemp/CBD Supplemental Application from Decotis Specialty Insurance, requesting general information such as applicant details, product types, Cannabis Insurance coverage, and business operations.

Getting a Cannabis Insurance Quote Is Simple

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your cannabis clients may also require these products.

Entertainment and Recreational Insurance

Designed for businesses in the arts, entertainment, and recreation industry that are highly vulnerable to injury and property liability claims from customers, third-party visitors, and employees.

Learn More
Professional Liability Insurance

Provides professionals and service providers with critical financial protection against customer claims, such as negligence, personal injury, inaccurate advice, and associated defense costs.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Access to AM Best A-Rated Carriers That Understand Cannabis Industry Regulations
  • Fast Online Quoting for Agents
  • Experienced Underwriters
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