CANNABIS DISPENSARIES & RETAILERS

Insurance for Cannabis Dispensaries & Retailers

Who says insurance has to be complicated?
Your product, covered. Direct business insurance designed for Cannabis Dispensaries and Retailers, with savings up to 20% vs an agent or broker.
Direct Difference Pricing, Circle Medallion

Direct Pricing

Get a better product at a lower price. We’ve cut out the middleman, creating a leaner, simpler, and faster experience while passing the savings on to you.

Easy Process Circle Medallion

Easy Application Process

Our application takes 2 minutes and you can get an insurance quote in as little as 24 hours.

Flexible Options, Circle Medallion

Improved Cash Flow

With the option to split payments into 12 equal monthly installments.
Expect Savings. That’s Our Policy.

Start Your Quote Today!

MM/DD/YYYY

Complete, Customizable Coverage

From property to product, injury to adverse advice, the risks facing your cannabis business are covered by one simple, yet specific, reliable, and affordable plan.
And did we mention convenient? Our bundled approach to coverage speeds up quoting, minimizes paperwork, and maximizes the response when you need us most.

Additional coverages are available upon request.

blank
Commercial Property & Building

Coverage for your building, inventory, equipment & more.

What’s Typically Covered

Protects your owned building, business personal property (BPP), cannabis stock, and equipment.

The Intrepid Direct Difference!

We love keeping things practical. While most insurance companies take whatever limit is on your current policy and use it on your future one, we evaluate your property limit each year. This way, you’re not under or over-insured.

General Liability

Protection for you and your business against normal and expected losses.

What’s Typically Covered

Costs associated with liability claims by your customers, suppliers, and any other third parties while on your premises.

The Intrepid Direct Difference!

Our expert team works with you to ensure you are properly covered, even against the odd and unexpected.

Product / Marijuana Liability

Provides coverage for your dispensary against claims related to your products.

What’s Typically Covered

This covers you if you unknowingly sell damaged or defective marijuana products that cause sudden or acute onset of illness to your customers.

The Intrepid Direct Difference!

As experts in the cannabis insurance industry, Intrepid provides this additional coverage for a wide variety of scenarios. This product liability coverage acts as a shield against product-related claims filed against your cannabis business.

Budtender's Professional Liability

Protection against losses not covered by traditional liability insurance.

What’s Typically Covered

Covers “Errors & Omissions” which can provide coverage for defense and damages incurred against your budtenders’ advice. For example, if your budtender inadvertently advises someone incorrectly on dosage or recommends the wrong product, this coverage has your back.

The Intrepid Direct Difference!

E&O insurance coverage is a ‘must have’ for any cannabis business so it’s important to work with experts at Intrepid Direct to understand exactly what sort of coverage you need to protect your business.

Hired & Non-Owned Auto

Insures the vehicles your employees own for your business operations use.

What’s Typically Covered

Coverage for incidental use of non-owned autos for business purposes.

The Intrepid Direct Difference!

Intrepid Direct’s auto policy provides liability coverage for hired and non-owned vehicles, the people operating them, and the damage they may cause should something happen when an employee is performing work duties. For example, an employee has to make a quick run to a supplier because you ran out of labels for your product and got into a car accident.

Workers’ Compensation

Takes care of your most valuable assets in the event they are injured on the job.

What’s Typically Covered

For employees who get injured or sick from a work-related cause. Includes disability benefits, missed wage replacement, and death benefits.

The Intrepid Direct Difference!

It’s not only our responsibility to insure your business, but to help you manage the costs of doing so. We offer telemedicine services through MedCall Advisors – a 24/7 hotline that can triage incidents, perform post-injury drug screenings, can prescribe medication, and will file the first notice of loss documentation on your behalf.

The State of Cannabis Today

As Cannabis dispensary and retailer insurance experts, we know the exact coverage terms required by your state. Currently, we are offering coverage in California, Colorado, Massachusetts, Michigan, Missouri, and Oklahoma.

Arizona, New Mexico, and Oregon coming in 2023!

Map of the United States showing which states allow medical and recreational mamajuana

Arizona

INTREPID DIRECT COVERAGE COMING SOON


Recreational & medical use regulated program

Intrepid Direct

California

INTREPID DIRECT COVERAGE AVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

Colorado

INTREPID DIRECT COVERAGE AVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

Massachusetts

INTREPID DIRECT COVERAGEAVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

Michigan

INTREPID DIRECT COVERAGE AVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

Missouri

INTREPID DIRECT COVERAGE AVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

New Mexico

INTREPID DIRECT COVERAGE COMING SOON!


Recreational & medical use regulated program

Intrepid Direct

Oklahoma

INTREPID DIRECT COVERAGE AVAILABLE NOW


Recreational & medical use regulated program

Intrepid Direct

Oregon

INTREPID DIRECT COVERAGE COMING SOON!


Recreational & medical use regulated program

Intrepid Direct
A+
Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1

%

Our customer renewal rate is 93% year-over-year – significantly above the industry average

%

Customers can save up to 20% on their premiums by going direct, cutting out agent commissions

#371
We’re a member company of W. R. Berkley Corporation (ranked #371 on the Fortune 500 list)

We Expect Better

Since our company was founded, we have been obsessed with providing a better insurance experience. We’re a partner who’s always thinking about ways to help business owners minimize risk and maximize their bottom line.

From coverage to convenience, our minds are always on the move for our customers.

Related Articles

View of a frozen pipe with icicles hanging off of it due to rain and a winter storm.

Prevent Freezing Pipes

Pipes freezing and bursting aren’t just inconvenient, they can be dangerous and expensive, too. We’ve compiled a list of 7 D.I.Y. actions you and your team...
If your business is in an area prone to hurricanes, don’t let 2022’s slow start let you become complacent. To help you prepare for future storms, keep the following information and resources on hand in case you need them.: Image of an aerial view of a hurricane.

Batten Down The Hatches During Hurricane Season

If your business is in an area prone to hurricanes, keep the following information and resources on hand in case you need them.
Image of a hooded figure at a table with a computer.

Protect Yourself From Fraud

Disruption in the world has created a significant opportunity for fraud in many unimaginable ways.   How to Handle Fraud We encourage you to take additional steps...
Man speaking to a doctor on his tablet device.

Telemedicine Creating Efficiency in Workers’ Compensation

New telemedicine technology is creating efficiencies in emergency workers’ compensation care, benefitting both the employer and employee. Learn more abouttele-emergent...
Flood Insurance? Person wearing rubber boots in standing water.

Are You Sure You Don’t Need Flood Insurance?

Flooding happens to be one of the most hazardous natural disasters, but surprisingly it’s the least insured against. Learn more about the value of having flood...
Image of a vehicle on a lift at an auto service garage.

OSHA’s Top 10 Violations

It’s important to understand hazards associated with your business so you can plan to limit risk. Learn more about OSHA’s top 10 violations in 2017.
Person getting their injured arm wrapped by a medical professional.

Injuries & Accidents On The Job

Workers’ Compensation coverage protects both the employee and employer from the financial impact of a work-related injury or occupational disease. Learn more about the...