We have a 95% claims approval rate and personally advocate for every client during the claims process. Our job is to fight for you when you need coverage most.

No. Standard business insurance policies explicitly exclude cannabis-related losses, including federal seizures, because cannabis remains federally illegal. You need cannabis-specific insurance with endorsements covering regulatory seizures, asset forfeiture, and compliance defense costs. These specialized policies address Schedule I substance risks that traditional carriers won’t touch. OG Cannabis Insurance offers comprehensive seizure protection and legal defense coverage designed specifically for the unique federal-state conflict facing cannabis operators.

You can obtain pre-licensing insurance quotes using your business plan, projected revenue, planned operations, and facility details. Most carriers require proof of license application submission and security plans. Pre-licensing quotes remain valid 60–90 days, allowing you to budget accurately during the licensing process. OG Cannabis Insurance specializes in pre-licensing coverage, working with applicants to secure conditional quotes and fast-track binding once licenses are approved—ensuring zero operational delays.

Dispensary general liability insurance typically costs $3,500–$8,000 annually, while cultivation sites range from $5,000–$12,000 due to higher operational risks. Pricing depends on revenue, location, security measures, and claims history. Cultivation facilities face elevated premiums because of fire hazards, equipment risks, and product contamination exposure. OG Cannabis Insurance specializes in competitive pricing for both operation types, leveraging our carrier relationships to secure coverage 15–30% below industry averages.

Most clients receive quotes within 24 hours. Our cannabis- specific process is 3x faster than traditional brokers.

Yes, OG Cannabis Insurance is a fully licensed insurance brokerage specializing in cannabis coverage since 2015. We’re licensed in all 50 states and maintain an A+ BBB rating.

Cannabis startups in 2026 must carry general liability insurance, product liability coverage, and workers’ compensation in most states. Many jurisdictions also require commercial property insurance and professional liability if offering consulting services. Requirements vary significantly by state—California mandates $2M in product liability, while Colorado requires $1M general liability minimum. At OG Cannabis Insurance, we help startups navigate these complex state-specific mandates and secure compliant coverage before licensing.

Claims-made policies cover incidents only if both the incident and claim occur during the active policy period. Occurrence policies cover any incident that happens during the policy term, regardless of when the claim is filed—even years later. For cannabis businesses facing long-tail product liability risks (contamination, health effects), occurrence coverage provides superior protection but costs 20–40% more. OG Cannabis Insurance recommends occurrence coverage for cultivators and manufacturers due to extended liability exposure.