Who we can help
A closer look at your exposure.
Licensed cultivators, processors, manufacturers, distributors, retailers and related businesses.
A grow operation, extraction facility and retail store do not share the same risk profile. Licences, product types, quality controls, security and provincial distribution arrangements are central to underwriting.
What to discuss with your broker
Property & stock
Review facilities, specialist equipment, inventory valuation and any crop-related requirements.
Products liability
Discuss ingredients, intended uses, labelling, quality testing and products supplied by others.
Recall & interruption
Consider withdrawal scenarios, equipment dependencies and lost revenue after covered damage.
Crime, cyber & liability
Review theft controls, cash handling, customer information and public-facing operations.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Licences, activities, sites and product categories
- Revenue, inventory values and manufacturing processes
- Security, fire protection, testing and quality systems
- Distribution territories, contracts and claims history
A question worth asking
Does a retail policy also cover cultivation or extraction?
Do not assume so. Declare every activity and product. Material changes to operations should be reviewed before they begin.