Who insures it · 6 named markets · read 2026-10-28

Who insures Cannabis product liability?

Cannabis product liability is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Cannabis product liability: Golden Bear Insurance Company, Conifer Insurance Company, CannGen Insurance Services, QuadScore Insurance Services, Kinsale Insurance and others. 3 MGAs, 2 admitted carriers, 1 E&S carrier. 1 on admitted paper. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Golden Bear Insurance Company Admitted carrier	Package and stand-alone cannabis insurance including property, general liability and products liability for cultivators, manufacturers, retail dispensaries and warehouse operations. “Golden Bear is the first admitted insurance carrier in the United States to offer cannabis coverage.”	not stated (refers to a separate States of Operation page)	Admitted	goldenbear.com · read 2026-10-28
Conifer Insurance Company Admitted carrier	Cannabis Essentials and Cannabis Select programs for licensed operators across the supply chain with claims-made product liability for THC-infused and manufactured/processed cannabis products; Essentials admitted in Michigan and E&S elsewhere, Select E&S nationwide. “Product Liability coverage (claims made) is available in both Cannabis Essentials and Cannabis Select”	nationwide excluding FL (Cannabis Essentials); Cannabis Select nationwide	both	coniferinsurance.com · read 2026-10-28
CannGen Insurance Services MGA	Cannabis Products Insurance and Cannabis Liability Insurance for operations at every stage of the supply chain; self-described first MGU dedicated to cannabis, hemp and CBD, backed by A.M. Best A-rated carriers. “With CannGen's Cannabis Products Insurance, you get protection against claims such as:”	not stated (all key cannabis markets across the U.S.)	not stated	canngenins.com · read 2026-10-28
QuadScore Insurance Services MGA	General Liability and Product Liability for cannabis-touching operations with limits up to $10M; target accounts include cultivators, distributors, testing labs, manufacturers, retail dispensaries and multi-state operators; site footer says it acts as MGA/MGU/program administrator. “QuadScore offers robust General Liability and Product Liability insurance which is tailored to respond to the needs of”	not stated	not stated	quadscore.com · read 2026-10-28
Kinsale Insurance E&S carrier	Products and General Liability plus BPP options for cannabis growers, processors, manufacturers and retailers (Tier I and Tier II marijuana-related businesses); hemp-derived CBD businesses written nationwide. “offers Products and General Liability, as well as BPP options specifically for cannabis manufacturers”	not stated (hemp-derived CBD nationwide)	not stated	kinsaleins.com · read 2026-10-28
Amwins Program Underwriters MGA	Cannabis P&C program: property, general liability and claims-made product liability for cultivators, manufacturers (extraction/bakeries/infused products), distributors and dispensaries; available in all U.S. states where cannabis or hemp is legal. “Product liability (claims made only)”	all U.S. states where cannabis or hemp is legal	Surplus lines	amwins.com · read 2026-10-28

Also verified but not listed (6 max): Admiral cannabis casualty with a CGL or Products Only option (https://www.admiralins.com/casualty/cannabis/); Burns & Wilcox and Jencap wholesale cannabis pages list Product Liability among available coverages; PPIB CBD/hemp program. Excluded: Frontier Risk (page says licensed as an insurance broker or agent), Cover Cannabis (page says it is not an insurance agency), Evolution (E&S brokerage), James River (no cannabis wording on fetched pages).

How Cannabis product liability gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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