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Insurance Solutions for the Cannabis Industry

With over 30 years of experience navigating complex insurance risks, Arroyo has turned its expertise towards insuring the unique needs of the cannabis industry. With licenses in all 50 states and long-standing carrier relationships, our team of experts can help you navigate through the often-confusing regulations and insurance requirements for cannabis businesses. We specialize in risk management for vertically integrated companies.

Our cannabis insurance programs can be tailored to cover the following operations:

  • Lessors Risk Only
  • Retailers/Dispensaries
  • Cultivators/Growers
  • Processors/Manufacturers
  • Testing Labs
  • Wholesalers/Distributors
  • Cannabis Storage Facilities
  • Marijuana Paraphernalia and Related Products
  • Transporters/Delivery
  • Hemp-Based CBD

Cannabis Insurance Highlights

Cannabis clients need specialized coverage with often- strict requirements and guidelines laid out by the state, county & city. At Arroyo, we understand what it takes to make sure you stay compliant with all laws, while at the same time customizing your cannabis insurance portfolio to meet your specific needs. Arroyo has access to a portfolio of coverages to tailor a comprehensive program that addresses the needs of the cannabis, CBD and hemp industries. This includes protection from damages such as a fire that destroys your building, property theft, business interruption (in the event your operation has to close down temporarily as a result of a covered peril), or a power surge that damages your equipment and results in revenue loss. We can also provide protection for other premises and property damage liability, slips and falls, employee allegations of harassment or discrimination, on-the-job injuries and much more. The coverages we currently provide include but are not limited to:

  • Business Owners Policy (Package policy for Liability & Property insurance)
  • General Liability (Premises Liability, Products & Completed Operations)
  • Product Liability
  • Crop Insurance
  • Errors & Omissions Liability
  • Commercial Automobile (Auto, Cargo, DMV Filings)
  • Commercial Umbrella
  • Commercial Property
  • Stock & Inventory
  • Business Interruption/Business Income & Extra Expense
  • Crime Insurance
  • Equipment Breakdown
  • Inland Marine
  • Employment Practices Liability
  • Directors & Officers Liability
  • Workers Compensation
  • Cyber Liability

Arroyo also provides Lessor’s Risk coverage (Liability and Property).

Arroyo also provides Lessor’s Risk coverage (Liability and Property). This coverage protects property owners from risks involved in renting to tenants who use the space for commercial cannabis activities: labs, product manufacturing, cultivation, and dispensary operations.

As the cannabis industry continues to expand, increasingly more insurance options become available. It’s important to partner with a qualified insurance agency that is knowledgeable in the cannabis space and has the ability to go over each coverage in detail, and one that will place you with financially sound insurers. This partner is Arroyo.