Package
Property
Coverage Highlights
Commercial property ISO forms
Minimum premium $500
No sub limit for cannabis inventory when on the premises
Outdoor business personal property is approved
No maximum number of locations
Approved Classifications
Cultivators
Processors/Harvesters
Manufacturers
Wholesale Distributors
Transporters
Dispensaries
Retailers
Non-Storefront Delivery
Laboratories
Lessor’s Risk (LRO) / Building Owners
Ancillary Businesses
Coverage Options
Real Property
Business Personal Property
Cannabis Inventory
3rd Party Care Custody Control (distributors only)
Limits
Coverage limits up to $25,000,000 per location (Combined Property and Crop TIV )
Deductibles
$2,500
$10,000
$50,000
Endorsements
Commercial Property Endorsement Premiums
Form A – $1,000.00 per location
Form B – $1,500.00 per location
Form C – $2,000.00 per location
Commercial Property Endorsement – Coverage Summary
Accounts Receivable
Employee Dishonesty
Money & Securities
Property in Transit
Property Off-Premises
Spoilage
Valuable Papers and Records
Outdoor Property (Fencing, Signs)
Outdoor Property (Trees, Shrubs, Plants)
Personal Effects of Others
Crop
Coverage Highlights
Coverage capacity up to $25,000,000 per location
Indoor Plants In-Process (only)
Customizable plant life-cycle solutions
Minimum Premium $500
Coverage Options
Seeds
Seedlings / Clones
Vegetative Plants
Flowering Plants
Harvested Plants
Finished Stock
Limits
Combined Property and Crop TIV $25M per location
Deductibles
$2,500
$10,000
$25,000
Approved Classifications
Cultivation Operations
Cannabis
Hemp
CBD
Indoor and Greenhouse
General Liability
Coverage Highlights
Occurrence Form (CG-ASO)
A rated carrier
Multiple rating basis options
Minimum Premium $500
Coverage Options
Limits
$1,000,000 / $1,000,000
$1,000,000 / $2,000,000
$2,000,000 / $2,000,000
Deductible
$2,500
Endorsements
Pesticide & Herbicide Applicators (WA)
$50,000 Occurrence/Aggregate
$250,000 Occurrence/Aggregate
HNOA Endorsement $1,000,000
Additional Insured Certificates
Vendor Certificates
Waiver of Subrogation
Primary & Non-Contributory Wording
Approved Classifications
Cultivators
Processors/Harvesters
Manufacturers
Wholesale Distributors
Transporters
Dispensaries
Retailers
Non-Storefront Delivery
Lessor’s Risk (LRO) / Building Owners
Ancillary Businesses
Excess Liability
Coverage Highlights
Occurrence Form
Coverage limits up to $4,000,000
Minimum Premium $1,000 (per layer)
Notes:
Excess Liability is following form over the General Liability only
Excess Liability does not extend over the HNOA endorsement
Coverage Options
Limits
$1,000,000
$2,000,000
$3,000,000
$4,000,000
Approved Classifications
Cultivators
Processors/Harvesters
Manufacturers
Wholesale Distributors
Transporters
Dispensaries
Retailers
Non-Storefront Delivery
Lessor’s Risk (LRO) / Building Owners
Ancillary Businesses