Cannabis Cultivation Insurance Coverage Checklist
The coverages a cannabis cultivation 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 state-licensed cannabis cultivators — indoor, greenhouse, and outdoor. Priorities reflect typical exposure for this class; confirm against your actual license and site.
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 |
|---|---|---|---|
| Property (Building & Equipment) | Covers grow rooms, lighting, HVAC, and irrigation systems. | Core | |
| Crop Coverage (Plants & Finished Stock) | Covers plants in the ground, harvested, and finished — standard property excludes them. | Core | |
| General Liability | Covers injuries and damage to others at the grow site. | Core | |
| Products Liability | Covers illness claims from contaminated flower. | Core | |
| Workers' Compensation / Employer's Liability | Covers growers and trimmers. | Core | |
| Crime / Theft | Covers theft by employees and burglary of harvest and cash. | Prevalent | |
| Equipment Breakdown | Covers HVAC and power failures that can kill a crop. | Prevalent | |
| Product Recall | Covers notification and destruction costs after a failed test or recall. | Prevalent | |
| Business Income | Replaces income while rooms are rebuilt and replanted. | Prevalent | |
| Commercial Auto / Transport | Covers vehicles moving product to buyers. | Situational | |
| Directors & Officers | Covers owners and investors in licensing and financing disputes. | Situational |
The coverage gap most often missed
The gap most often missed by cultivators is the crop. Standard property policies exclude growing plants and often cannabis stock, so a fire or HVAC failure can destroy the building's most valuable contents without coverage — and coverage disputes are common, as an Illinois grower's 2025 suit over a denied fire claim shows. Buy crop coverage that names each stage (plants, harvested, finished), keep values current, and read the mold and pest exclusions.
Send us the checklist and we'll review your cannabis cultivation coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cannabis Cultivation Insurance · Cannabis Cultivation Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cannabis cultivation business need?
The core coverages for a cannabis cultivation business are Property (Building & Equipment), Crop Coverage (Plants & Finished Stock), General Liability, Products Liability, Workers' Compensation / Employer's Liability. 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 cultivation 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.