Cannabis Select
For Insurance Professionals Placing Complex Cannabis Risks
Dedicated Underwriting | AM Best A-X Carrier | Available Nationwide
Built for large-scale cannabis operators and multi-state accounts that require higher limits, broader coverage, and nationwide reach.
Backed by an AM Best A-X carrier, through an exclusive program available only with Conifer.
- Nationwide Coverage (all legalized states and D.C.)
- Named windstorm coverage (Tier 1 County Exclusion Only)
- Multi-location policies with all coverages and states on one policy
- Defense Costs Outside the Limits – Providing broader financial protection
Core Coverage Structure
Liability
- General Liability: Up to $5M/$5M
- Product Liability (Claims Made): Up to $5M/$5M
- Product Withdrawal: Up to $1M
- Defense Outside the Limits: $1M (within policy form)
- Personal & Advertising Injury: $1M
- Damage to Premises Rented to You
- Warehouse Legal Liability
- Assault & Battery
Property
- Up to $30M per location
- Including: Buildings, Finished Stock, Harvested Plant Material, Plant Inventory, Theft, Business Personal Property, In-Transit Coverage, Theft, Business Income, Equipment Breakdown
- Property Extension Endorsement (20+ coverage extensions)
- Loss Limits – Up to $30M
- Lessors Risk Only
Optional Add-On Products
- Surety Bonds
- Workers Compensation
Target Classes
Conifer focuses on defined cannabis classes where underwriting experience and program structure matter.
Cannabis Select is purpose-built for larger operations where standard cannabis programs fall short on capacity, coverage breadth, or multi-state coordination. Our dedicated cannabis underwriting team evaluates complex risks based on operational scale, license structure, and exposure profile.
The programs are built specifically for licensed operators across the supply chain, giving you a market that:
- Evaluates multi-state regulatory requirements
- Underwrites high-value property and inventory concentrations
- Addresses complex product liability across multiple license types
- Structures coverage for operations spanning multiple locations and states
We target the following licensed cannabis operations:
Insuring Multi-State Cannabis Operators
Multi-state operators manage cultivation, manufacturing, processing, distribution, and retail across multiple jurisdictions. Each state carries its own regulatory framework, licensing requirements, and compliance obligations. Coordinating coverage across these operations requires a program that can consolidate exposures under a single policy rather than forcing separate placements state by state.
Conifer’s dedicated cannabis underwriting team evaluates MSO risks based on the full scope of operations across all active states, structuring coverage that accounts for varying regulatory environments, property concentrations, and product liability exposure at scale.
Coverage for Multi-State Operators
General Liability Insurance: Covers premises exposure, third-party injury, and claims arising from operations across all locations.
Product Liability Insurance (Claims Made): Coverage for exposure tied to cannabis products manufactured, processed, or sold across the operator’s footprint.
Product Withdrawal: Protection for costs associated with pulling product from distribution due to a covered event.
Property Insurance: Covers buildings, finished stock, harvested plant material, plant inventory, in-transit coverage, theft, business personal property, equipment breakdown, and business income.
Equipment Breakdown: Protection for critical systems that support day-to-day retail operations.
Cannabis Select is designed for multi-state consolidation. A single policy covers all locations and states, eliminating the complexity of managing separate placements per jurisdiction.
Insuring Cannabis Dispensaries
Dispensaries carry a mix of retail liability, product exposure, high-value inventory, and regulatory requirements. Larger dispensary operations and multi-location retail chains require coverage capacity that goes beyond what standard cannabis programs provide.
Conifer’s dedicated cannabis underwriting team evaluates dispensary risks with an understanding of compliance requirements, security controls, and operational detail that generalist markets don’t offer.
Coverage for Cannabis Dispensaries
General Liability: Covers premises exposure, customer injury, and third-party claims from daily retail operations.
Product Liability (Claims Made): Protects against claims arising from manufactured, processed, or infused cannabis products.
Assault & Battery: Available.
Property Insurance: Covers buildings, finished stock, business personal property, theft, equipment breakdown, and business income.
Cannabis Select is designed for larger dispensary operations and multi-location retail accounts. Smaller, single-location dispensaries may be a better fit for Cannabis Essentials. Not sure? Send the details to CannabisSelect@ConiferInsurance.com and our team will confirm the best placement.
Insuring Cannabis Cultivators
Large-scale cultivation operations carry significant property exposure tied to crop value, facility infrastructure, environmental controls, and equipment. Indoor, outdoor, and greenhouse operations each present different risk profiles around fire, theft, contamination, crop loss, and equipment failure.
Conifer’s dedicated cannabis underwriting team evaluates cultivation risks based on grow method, facility design, security infrastructure, crop values, and output volume.
Coverage for Cannabis Cultivators
General Liability: Covers premises exposure, customer injury, and third-party claims from daily retail operations.
Product Liability (Claims Made): Protection for claims tied to cultivated cannabis entering the supply chain.
Property Insurance: Covers buildings, harvested plant material, plant inventory, business personal property, in-transit coverage, theft, equipment breakdown, and business income
Loss Limits: Available up to $30M
Cannabis Select is designed for larger cultivation facilities, high-value crop operations, and multi-location growers. Smaller cultivation operations may be a better fit for Cannabis Essentials. Send submission details to CannabisSelect@ConiferInsurance.com.
Cannabis Product Manufacturers
Cannabis manufacturers face product liability exposure at every stage, from formulation and extraction to packaging and labeling. Edibles, concentrates, tinctures, and topicals each carry distinct risk profiles tied to dosing accuracy, contamination, and regulatory compliance. Larger manufacturing operations require higher limits and product withdrawal coverage that standard programs don’t offer.
Conifer’s dedicated cannabis underwriting team evaluates manufacturing risks with direct knowledge of production processes, quality control requirements, and the product liability exposures that come with putting finished goods into the market at scale.
Coverage for Cannabis Product Manufacturers
General Liability: Covers premises exposure, third-party injury, and claims arising from manufacturing operations.
Product Liability (Claims Made): Covers claims tied to manufactured cannabis products including edibles, concentrates, and infused goods.
Product Withdrawal: Covers costs associated with pulling a product from distribution due to a covered event.
Property Insurance: Covers buildings, goods in process, finished stock, business personal property, equipment breakdown, and business income.
Cannabis Select is designed for larger manufacturing operations, higher production volumes, and multi-state accounts. Smaller manufacturers may be a better fit for Cannabis Essentials. Send submission details to CannabisSelect@ConiferInsurance.com.
Insuring Cannabis Extraction Operations
Cannabis extraction facilities process raw plant material into concentrates, oils, distillates, and isolates using methods that carry elevated risk. Solvent-based extraction (butane, ethanol, CO2) introduces fire, explosion, and chemical handling exposures. Solventless methods carry lower volatility risk but still involve specialized equipment and high-value output.
Conifer’s dedicated cannabis underwriting team evaluates extraction operations based on the specific methods used, facility safety controls, ventilation and fire suppression systems, and output volumes.
Coverage for Cannabis Extraction Operations
General Liability: Covers premises exposure, third-party injury, and claims arising from extraction operations.
Product Liability (Claims Made): Covers claims tied to extracted products entering the supply chain.
Property Insurance: Covers buildings, extraction equipment, goods in process, finished stock, business personal property, equipment breakdown, and business income.
Cannabis Select is designed for higher-volume extraction facilities, multi-location operations, and accounts requiring greater property and liability capacity. Smaller extraction operations may be a better fit for Cannabis Essentials. Send submission details to CannabisSelect@ConiferInsurance.com.
Insuring Cannabis Processors
Cannabis processors handle the post-harvest stages that prepare raw plant material for sale or further manufacturing. This includes trimming, drying, curing, sorting, and packaging. While processors don’t typically carry the same volatility risk as extraction operations, they face exposures tied to product handling volumes, inventory values, contamination during processing, and compliance with state packaging and labeling requirements.
Conifer’s dedicated cannabis underwriting team evaluates processor risks based on the specific handling methods, throughput volume, inventory on-site, and the downstream liability that comes with preparing product for distribution.
Coverage for Cannabis Processors
General Liability: Covers premises exposure, third-party injury, and claims arising from processing operations.
Product Liability (Claims Made): Covers claims tied to processed cannabis products entering the supply chain.
Product Withdrawal: Covers costs associated with pulling processed product from distribution due to a covered event.
Property Insurance: Covers buildings, raw material inventory, finished stock, business personal property, equipment breakdown, and business income.
Cannabis Select is designed for higher-volume processing facilities, multi-location operations, and accounts that need greater capacity. Smaller processing operations may be a better fit for Cannabis Essentials. Send submission details to CannabisSelect@ConiferInsurance.com.
Insuring Cannabis Wholesale and Distribution Operations
Cannabis wholesale and distribution operations move large volumes of product between cultivators, manufacturers, and retail outlets. These operations carry inventory concentration risk, warehouse liability exposure, and in-transit exposures tied to the value and volume of product moving through the supply chain.
Conifer’s dedicated cannabis underwriting team evaluates wholesale and distribution risks based on inventory values, warehouse operations, transportation methods, and the chain-of-custody exposures unique to cannabis distribution.
Coverage for Cannabis Wholesale and Distribution
General Liability: Covers premises exposure, third-party injury, and claims arising from warehouse and distribution operations.
Product Liability (Claims Made): Covers claims tied to cannabis products in the distributor’s supply chain.
Warehouse Legal Liability: Covers liability for damage to goods stored on behalf of others.
Property Insurance: Covers buildings, finished stock, business personal property, theft, equipment breakdown, and business income.
Send submission details to CannabisSelect@ConiferInsurance.com and our team will evaluate the operation.
Submissions & Downloads
How to Submit a Risk
Send completed applications and loss runs to:
CannabisSelect@ConiferInsurance.com
Not sure whether your risk fits Cannabis Select or Cannabis Essentials? Send the submission to CannabisSelect@ConiferInsurance.com and our team will confirm the best placement.
What We Need
- Completed SOV, Conifer Cannabis Application, ACORD forms, or equivalent completed application
- 3-5 years of loss history (current and prior carriers)
Frequently Asked Questions for Cannabis Select Insurance
Cannabis Select is backed by Houston Specialty Insurance Company, a subsidiary of Skyward Specialty Insurance Group, rated AM Best A-X (Excellent).
Cannabis Essentials is designed for small to mid-sized licensed cannabis operators with GL available up to $2M/$2M and property available up to $5M per location. Cannabis Select is built for larger, more complex operations and multi-state operators, with GL available up to $5M/$5M and property available up to $30M per location. Not sure which fits? Send your submission to CannabisSelect@ConiferInsurance.com and our team will route it to the right program.
Cannabis Select provides E&S coverage nationwide in all legalized states and D.C.
Yes. Cannabis Select is designed for multi-state operators and can consolidate all coverages and states on a single policy.
Yes. Cannabis Select’s multi-location policy structure places all coverages and states on a single policy, eliminating the need for separate placements per location or jurisdiction.
Yes. Named windstorm coverage is available with a Tier 1 county exclusion only.
Product withdrawal coverage is available up to $1M/$1M under Cannabis Select. This covers costs associated with pulling product from distribution due to a covered event.
Defense costs outside the limits are available up to $1M under the Cannabis Select policy form. This means legal defense costs do not erode the policy’s liability limits.
Testing labs and consumption lounges are eligible for property coverage only under Cannabis Select. Insurance professionals seeking full liability and property coverage for these operations should submit through Cannabis Essentials at CommercialLines@ConiferInsurance.com.
Tribal risks and hoop houses are not eligible under Cannabis Select.
Completed SOV, Conifer Cannabis Application, ACORD forms, or equivalent completed application, plus 3-5 years of loss history. Submit to CannabisSelect@ConiferInsurance.com.