Burns & Wilcox: Commercial Cannabis

Click here to request a commercial Cannabis Insurance Quote

Operating regulated dispensaries and nurseries for cannabis presents a special set of challenges, risks, and liabilities. Your clients need to be conscious of a range of potential risks from theft, and employee dishonesty to equipment and building damages. Ensuring your clients have the appropriate insurance policy will safeguard them from these threats and unfortunate consequences.

Cannabis Coverage through Burns & Wilcox can help your clients manage the unique risks associated with operating regulated dispensaries and nurseries. The coverage also helps manage risks for building owners and leased facilities. As a leading provider of wholesale insurance, the experienced professionals at Burns & Wilcox can deliver insurance solutions that meet the unique needs of your clients. For more information on Cannabis Coverage, contact the Burns & Wilcox office nearest you.

Coverage is available only for risks located in the District of Columbia and states where cannabis is medically or recreationally legal.

Coverage Details and Features

General Liability

  • Premises liability (excluding products)

  • Occurrence form

  • Assault & Battery Coverage available

Products Liability

  • Claims made form

  • Coverage for dispensaries, grow operations, products manufacturers, and others

  • Available including premises GL, or as standalone products liability only

  • No restrictions for extracts based on THC concentration intended consumption method or extraction method

Excess Liability

  • Supported or unsupported

  • Underlying carriers must be A-rated or better


  • Monoline or packaged with premises GL

  • Coverage for buildings (incl. greenhouses), equipment, tenant’s improvements, stock, business income, and extra expenses

  • Equipment breakdown available

  • Property extension available for broadened coverage

  • All operations including cannabis extraction using propane or butane

Stock Throughput

  • $10,000 minimum premium

  • Coverage for all types of stock in various phases of production, including finished stock, growing plants, equipment, and components

  • Broad coverage form on All Perils basis including while in transit

Workers Compensation

  • Available for dispensaries, grow operations, manufacturing, delivery, and others$5,000 minimum premium

  • All non-monopolistic states available


  • Liability & physical damage coverage for operations that transport cannabis products between business locations


  • Property coverage for stock in transit

  • Available for dispensary/grow facility owners or third party transportation services

  • Standalone or packaged with on-premises stock coverage

For more information about Michigan Cannabis Insurance, call us at The Huttenlocher Group! (248) 681-2100

Proudly serving Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, Bloomfield Hills, Ferndale, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Highland, Oakland, Michigan.