Cannabis Dispensaries

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Easy and comprehensive insurance for cannabis dispensaries.

For those at the forefront of cannabis dispensing, we offer a comprehensive insurance package that simplifies acquiring and navigating the insurance coverage these unique businesses require. With one easy application—underwritten by a A.M. Best A or A+ Rated provider—Blue River Underwriters can quote your property, employment practices liability and workers’ compensation coverage (where available).  This comprehensive solution is supported by best-in-class claims handling, flexible workers’ comp payment terms, and complimentary EPLI loss prevention tools for policyholders. For all other cannabis related quotes, click here.


Target Classes:

  • Commercial property coverage that is tailored to the needs of cannabis dispensaries.

Available Coverages:

  • Replacement Cost Coverage for Stock
  • Accounts Receivable
  • Business Income
  • Computer Equipment
  • Covered Property Distance from Premises Increased to 1,000 Feet
  • Equipment Breakdown including Spoilage up to $250,000
  • Employee Theft
  • Extra Expense
  • Fine Arts
  • Fire Department Service Charge
  • Fire Protection Equipment
  • Money and Securities
  • Outdoor Property
  • Outdoor Signs
  • Personal Effects and Property of Others
  • Reward Payment
  • Spoilage
  • Valuable Papers and Records
  • Walks, Patios, or Other Paved Surfaces, Foundations of Buildings or Structures, and Underground Pipes, Flues or Drains
  • Water Back Up Or Overflow From Sewer, Drain or Sump
  • Wind and Hail Coverage

Maximum Limits:

  • $5,000,000 TIV per Location
  • $250,000 Theft


  • Minimum Deductible: $2,500
  • Split Deductibles Available

Target Classes:

Employment Practices Liability Insurance designed to protect cannabis dispensaries and their employees* against liability for claims or lawsuits alleging employment-related wrongdoing.

Policy Highlights:

  • Duty to Defend policy language
  • Full prior acts coverage
  • Third party liability coverage for claims brought by non-employees for harassment or discrimination
  • Modified settlement clause (80% / 20% coinsurance)
  • Damages include punitive or exemplary damages up to the limit of liability, where insurable
  • Broadened definition of claim to include tolling agreements
  • Immigration Reform Control Act endorsement (IRCA)
  • Sublimit available for Costs of Defense of Wage and Hour claims
  • Sublimit available for privacy violations

Available Limits:

  • $500,000 to $2,000,000


  • $25,000

Risk Management Services:

  • Policyholders receive complimentary loss prevention tools that include a hotline and dedicated website.
  • Toll-free hotline providing basic workplace issue consultations
  • Policyholder accessible website containing articles, sample documents, and loss prevention resources


*Firms up to 200 employees. Will consider accounts with claims up to $25,000

Workers Comp

Target Classes:

  • Workers compensation insurance for cannabis dispensaries. Contact us for more informaton.


  • Coverage is availabe in the following states: AR, AZ, CA, CT, IL, MO, NV, and PA.
Submission Criteria
  • Completed application
  • Loss runs 2 years
  • For added coverage options, additional forms may apply
  • Startups are eligible with certain considerations
map blue rivercannabis1 - Cannabis Dispensaries

Property and EPLI coverage is available in the following states: AK, AR, AZ, CA, CT, CO, DE, FL, HI, IL, MD, ME, MI, MO, MN, MT, ND, NH, NV, OK, OH, OR, PA, RI, UT, VT, WA, AND WV. For additional states not shown for property, please inquire directly for additional outlets.

WC coverage marked with a star is availabe in the following states: AR, AZ, CA, CT, IL, MO, NV, and PA.


jeffvick - Cannabis Dispensaries

Jeffrey Vick
VP, Underwriter
Office (312) 521-8971


Mailing address:
Blue River Underwriters
303 E Wacker, Ste 1109
Chicago, IL 60601

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