Why Standard Business Insurance May Not Fully Cover Tobacco and Vape Retailers
Tobacco and vape retailers operate in a unique and highly regulated industry. While many store owners assume that a standard business insurance policy will protect them from common risks, the reality is that these policies often leave critical gaps—creating an opportunity for agents and brokers to deliver real value. The Coverage Gaps You Need to […]
From Seed to Sale, Stay Secure: Cannabis Risk Management Made Simple
The cannabis industry faces rapid change and increasing complexity, creating unique challenges for business owners—and opportunities for agents and brokers. From cultivation to retail, cannabis businesses encounter risks that traditional insurance often overlooks. Fires, theft, crop loss, product liability, and compliance issues can derail operations and profits if not properly managed. This is where you […]
Cannabis Insurance in a Hardening Market: How Agents Can Stay Ahead
The cannabis industry is booming, but the cannabis insurance market is tightening. Regulatory uncertainty, evolving risks, and increased claims activity are driving carriers to raise premiums and apply stricter underwriting standards. For insurance agents and brokers, this environment presents both challenges and opportunities. Those who position themselves as trusted advisors with specialized cannabis insurance solutions […]
Student Housing Insurance: Protect Your Investment with Conifer Insurance Services
The student housing market is booming, but with growth comes risk. Property owners, associations, and developers renting to college students face unique challenges, including frequent tenant turnover, short-term leases, and increased liability exposure. Traditional landlord policies often fail to address these complexities. That’s why Conifer Insurance Services offers a specialized solution: the Student Housing Insurance […]
Liquor Liability Insurance: New Risks for Bars and Restaurants
The hospitality industry is evolving rapidly, and with that evolution comes new challenges for liquor liability insurance. Bars, restaurants, and event venues have always faced exposures related to alcohol service, but today, the risk landscape looks very different. Changing social trends, emerging products, and shifting legal frameworks mean that traditional coverage may no longer be […]
How Much Does Insurance Cost for Bars and Taverns?
Running a bar or tavern is a rewarding venture—but it comes with unique risks that require specialized insurance coverage. At Conifer Insurance Services, we understand the unique challenges faced by hospitality businesses and offer tailored solutions to protect your establishment, staff, and patrons. Why Insurance Costs Vary for Bars and Taverns Unlike many other business […]
Loss Control Tips and Mitigating Losses for Vape Stores
Vape shops face distinct exposures that make effective risk management essential. Fire hazards, regulatory oversight, theft, and liability risks all have the potential to disrupt operations and cause financial harm. Proactive loss control not only reduces those risks but can also make stores more attractive to insurance providers. Fire and Property Protection Lithium-ion batteries, flammable […]
News: Conifer Insurance Services Strengthens Cannabis Industry Commitment with Launch of Cannabis Select Program
TROY, Mich., May 20, 2025 — Conifer Insurance Services (“Conifer”), a pioneer in cannabis insurance solutions, in partnership with Skyward Specialty Insurance Group™ (“Skyward Specialty”), a leader in the specialty property and casualty market, announced the launch of its new Cannabis Select program, a high-capacity insurance solution built for the evolving needs of multi-state operators […]
St. Patrick’s Day Tips To Limit Your Liability Risks
Liquor liability is one of the biggest exposures for a liquor licensee. The Michigan Dram Shop Act is the exclusive remedy for someone who brings a claim against a liquor licensee stemming from the selling, giving, or furnishing of alcohol. In order to be liable under the act, a claimant would have to prove damages […]
Why Your Business Needs Workers’ Compensation Insurance
Much like liquor liability, Workers’ Compensation Insurance is required by most states, but each state is in charge of their own workers’ compensation program regulations. Generally speaking, an employer’s responsibility to provide coverage may depend on the number of employees at the business, the type of business, and the type of work they are doing. […]