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Who insures it · 2 named markets · read 2026-10-28

Who insures Medical marijuana doctors?

Medical marijuana doctors 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.

2 markets publicly write Medical marijuana doctors: Kinsale Insurance, Admiral Insurance Group. 2 E&S carriers. 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.

MarketWhat they say they writeWherePaperSource
Kinsale Insurance
E&S carrier		Health Care Division market for practitioners ineligible for the standard marketplace; target classes include Practitioners performing medical marijuana evaluations and Pharmacists dispensing medical marijuana evaluations, plus non-standard physicians, surgeons, mid-level providers and medical directors.
“Practitioners performing medical marijuana evaluations”		not statednot statedkinsaleins.com · read 2026-10-28
Admiral Insurance Group
E&S carrier		E&S medical professional liability for hard-to-place physicians, surgeons and dentists 'whether their practice is standard or not'; sample classes include telemedicine, alternative medicine, standalone medical directors and, under other non-direct patient care or treatment exposures, MMJ evaluations.
“MMJ evaluations”		not statedSurplus linesadmiralins.com · read 2026-10-28

Only two markets publicly name cannabis-evaluating physicians. Fetched cannabis programs that do NOT name doctors/evaluation clinics: Prime (legal cannabis page: cultivators, processors, transporters, labs, dispensaries, 'any business or individual in the cannabis industry'), Burns & Wilcox Cannabis, Admiral Cannabis (casualty), CannGen, Conifer, Golden Bear, QuadScore, Cover Cannabis (a marketing site, not an underwriter). Evolution's eibdirect.com now shows XINSURANCE with no cannabis/physician page; Carma Insurance Services has no verifiable domain. WebSearch budget was exhausted, so candid

How Medical marijuana doctors 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.

Check who's likely to insure yours

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Send it once. It goes to the markets that write it.

A few minutes to request the quote; it reaches the markets that take Medical marijuana doctors, and the answers come back by email.

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