We understand that the cannabis industry is new and unique. We offer programs that understand your niche. Our carriers are AM Best "A" Rated carriers that will be there to pay claims when you need them.
General liability insurance protects your company for bodily injury and property damage from incidents related to your premises, products and operations. It pays for the legal costs of defending a claim or allegation. In addition to the defense, damages may be allowed to be paid by your insurance as well depending on state law.
General liability can also defend you for allegations of personal injury from defamation, slander and libel.
Damage to your leased location is the 3rd leg of the chart represented below. If the space you lease is damaged as the result of your operation , your general liability policy will defend and repair depending on the cause of the damage.
"Work comp" protects your employees for injuries that occur during the course and scope of their employment. Business owners are mandated by the state to provide this protection . State law dictates the terms and conditions of payment for : medical costs, lost wages and even rehab. The trade off for being required to provide this protection is that the business is protected by exclusive remedy from any other alleged damages. Your work comp policy will pay injuries and lost wages and the employee is barred from further action against you, the employer. (This is being challenged in some states)
Retaining employees is key for any business. Em-ployee turnover can grind a new business to a stand still. Posting job offers, interviews, and training can cost your business money but just as important it costs time away from your main focus. We offer benefits plans ranging from full medical to job site products like AFLAC, vision, dental life , cafeteria plans and wealth management for owners and key employees. One of our medical carriers will pay you back ,as the employer at the end of the policy year ,depending on the performance of your group! We would love to spend 5 minutes and show you how to take advantage of this plan!
Property protects the business from direct losses to buildings, tenant improvements, inventory, and loss of income. Our carriers offer a broad array of coverage for all of your property. Such as:
Don't let hidden costs of a claim bury your business. We can provide a courtesy walk through of your operation!