What calibrated coverage for cannabis looks like for Cultivation.

Cultivators are a critical part of the cannabis industry, providing products for themselves and other enterprises. Even with their hands working the ground, cultivators must obtain and maintain a license issued by a state where cannabis, CBD, or hemp is legal to grow. In the dirt is where it starts, from seed to sale.

Risk is One Strain You Don't Need

Calibrated coverage means less stress about your Infrastructure, location, harvest cycles and product.

Cultivators face legal liability arising from others using the product (flower). Even if it’s not your brand, you may face a lawsuit should someone get hurt or sick from the use of your product.

Many farmhands or workers operate heavy machinery. Unfortunately, if an employee gets ill or hurt on the job, the cultivator is typically held responsible for medical costs and lost wages.

Cultivators typically use equipment or machinery that is expensive to replace or repair. And this equipment is generally stored inside secure buildings. Without adequate protection, damage to equipment or buildings could add up to out-of-pocket costs.

Each state and municipality has laws about growing, selling, and distributing cannabis products. Complying with federal, state, and local laws is undoubtedly challenging for cannabis cultivators. Unfortunately, these operational challenges can lead to infractions, often resulting in insurance-related claims.

Risk is One Strain You Don't Need

Calibrated coverage means less stress about your Infrastructure, location, harvest cycles and product.

Cultivators face legal liability arising from others using the product (flower). Even if it’s not your brand, you may face a lawsuit should someone get hurt or sick from the use of your product.

Many farmhands or workers operate heavy machinery. Unfortunately, if an employee gets ill or hurt on the job, the cultivator is typically held responsible for medical costs and lost wages.

Cultivators typically use equipment or machinery that is expensive to replace or repair. And this equipment is generally stored inside secure buildings. Without adequate protection, damage to equipment or buildings could add up to out-of-pocket costs.

Each state and municipality has laws about growing, selling, and distributing cannabis products. Complying with federal, state, and local laws is undoubtedly challenging for cannabis cultivators. Unfortunately, these operational challenges can lead to infractions, often resulting in insurance-related claims.

Testimonials

We’ve found AlphaRoot, particularly Isaac, to be proactive, with spot-on coverage suggestions and hands-on help. Plus, the AlphaRoot online platform eliminates a lot of tedious work we previously had to do for renewals.

Dean Kisieu CFO, Arcview

Our previous broker didn’t have sufficient industry knowledge, but Eric is highly professional and knowledgeable. He’s always on top of things, responding faster than I can type. AlphaRoot even checked for gaps in coverage — who wouldn’t want that?

Marina Chumakova CFO, Cannabistry

Core Coverage

General Liability

General liability offers broad protection against some of the most fundamental risks cannabis companies face. Known as “slip-and-fall” or “all-risk” insurance, this policy covers personal or property damage and bodily injury occurring on the business premises.

Product Liability

Cannabis companies offering tangible products or services risk third-party lawsuits claiming bodily injury or property damage. Products liability insurance covers defense fees and settlements, even for ungrounded claims. This coverage is particularly critical in the cannabis space as testing and manufacturing aren’t regulated at the federal level. 

Property

This policy is first-party coverage that protects the Total Insurable Value (TIV) of your operation’s property, reimbursing cannabis companies for direct property losses.

Crop

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General Liability

General liability offers broad protection against some of the most fundamental risks cannabis companies face. Known as “slip-and-fall” or “all-risk” insurance, this policy covers personal or property damage and bodily injury occurring on the business premises.

Product Liability

Cannabis companies offering tangible products or services risk third-party lawsuits claiming bodily injury or property damage. Products liability insurance covers defense fees and settlements, even for ungrounded claims. This coverage is particularly critical in the cannabis space as testing and manufacturing aren’t regulated at the federal level. 

Property

This policy is first-party coverage that protects the Total Insurable Value (TIV) of your operation’s property, reimbursing cannabis companies for direct property losses.

Crop

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut.

Cultivation Specific
Coverage

Crop Coverage

Use our custom built online portal to get quotes fast. We automate clerical tasks that plague the traditional insurance brokerages, giving us more time to be responsive and alert to your company’s needs.

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Workers Compensation

Growing operations often have heavy machinery on site, so the risk of workplace injury is high.

Crop Coverage

Use our custom built online portal to get quotes fast. We automate clerical tasks that plague the traditional insurance brokerages, giving us more time to be responsive and alert to your company’s needs.

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Workers Compensation

Growing operations often have heavy machinery on site, so the risk of workplace injury is high.

Types of Cultivations & Extraction Companies
That Need Insurance

Extractors

Use our custom built online portal to get quotes fast. We automate clerical tasks that plague the traditional.

Grow Operations

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Laboratories

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Transporters

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Dispensaries

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Professional Services

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Manufacturers

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Distributors

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Brands

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Technology

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Investors

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Extractors

Use our custom built online portal to get quotes fast. We automate clerical tasks that plague the traditional.

Grow Operations

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Laboratories

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Transporters

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Dispensaries

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Professional Services

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Manufacturers

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Distributors

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Brands

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Technology

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Investors

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Read Our Guide

Learn about, common risks in the Cannabis space and how to mitigate them, including licensing, compliance, funding and insurance strategy.

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