Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for dispensaries, cultivators, processors, and CBD businesses. We navigate the complexities so you can focus on growing your business.
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+1 (626) 778-2586The reality
Federal Schedule I classification means most major carriers won't even look at your application. You're left scrambling for coverage from whoever will talk to you.
A single grow room can hold six figures of product. Standard property policies weren't built for this. If something goes wrong, you need coverage that actually pays.
Every state has different requirements. Every year brings new regulations. You need a broker who's tracking this full-time, not one who's Googling it when you call.
"We work exclusively with E&S markets that understand cannabis. Not because it's trendy—because it's the only way to get you real coverage."
From crop to sale, we've got your operation covered.
Covers bodily injury and property damage at your dispensary or grow facility
Protection against claims from products you manufacture or sell
Protects your plants, harvested product, and processed inventory
Coverage for your facility, equipment, and security systems
Coverage for injuries to cultivators, trimmers, and retail staff
Protects HVAC, lighting, and extraction equipment
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Cannabis insurance is a commercial insurance program built around the risks of a cannabis business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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