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 […]

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 […]

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 […]

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, […]