Cannabis & CBD Product Manufacturing Insurance Coverage Checklist
The coverages a cannabis & cbd product manufacturing business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for licensed cannabis processors and hemp / CBD product makers. Priorities reflect typical exposure for this class; confirm against your actual products, extraction methods, and state rules.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers illness and injury claims from vapes, edibles, and other products — written on cannabis-specific forms. | Core | |
| General Liability | Covers premises, landlord, and visitor claims; confirm there is no cannabis exclusion. | Core | |
| Commercial Property | Covers the facility, extraction equipment, and inventory. | Core | |
| Workers' Compensation | Covers extraction and production workers handling solvents and heat. | Core | |
| Product Recall Expense | Pays to pull failed-test or mislabeled batches from shelves. | Prevalent | |
| Crime / Employee Theft | Covers theft of product and cash in a cash-heavy business. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over products and general liability. | Prevalent | |
| Equipment Breakdown | Covers extraction, HVAC, and refrigeration failures. | Prevalent | |
| Directors & Officers Liability | Covers leadership in regulatory, investor, and license disputes. | Situational | |
| Pollution Liability | Covers solvent releases and hazardous waste. | Situational |
The coverage gap most often missed
The gap most often missed by cannabis and CBD product makers is a policy that excludes cannabis entirely. In March 2026, a federal court held that a marijuana exclusion in a standard general liability policy left an extraction lab with no defense after a butane explosion. Many standard policies carry such an exclusion. Confirm your general liability, products, and property policies are written for cannabis operations, and recheck hemp-derived products against the federal 0.4 mg THC limit before renewal.
Send us the checklist and we'll review your cannabis & cbd product manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cannabis & CBD Product Manufacturing Insurance · Cannabis & CBD Product Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cannabis & cbd product manufacturing business need?
The core coverages for a cannabis & cbd product manufacturing business are Products Liability, General Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my cannabis & cbd product manufacturing coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.