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Liability insurance for cannabis businesses

Protect against legal claims, confidently and compliantly

Protect your client’s people, products and reputation with tailored liability cover designed for cannabis, CBD and hemp.

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Policy overview

Our Liability Package covers cannabis-related risks clearly and compliantly – from public and employer’s liability to products exposure.

Available in key cannabis markets across the UK and Europe, with options tailored to country-specific regulatory needs.

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Here’s what’s included:

General liability

Cover for accidental third-party injury or property damage linked to your client’s business operations.

Products liability

Protects against claims from contaminated, defective, or mislabelled products, including defence costs and compensation.

Employer’s liability

Essential cover for employee-related illness, injury or legal action, with optional add-ons available.

Environmental liability (optional)

Protection for accidental pollution or contamination, depending on country and activity.

Additional benefits available

Includes legal rep cover, joint insured cross liabilities, court attendance compensation and more; all customisable to suit local needs.

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Is this right for your client?

This policy is ideal for brokers placing cover for:

Cultivators

Cultivators

Cannabis (with THC): Indoor only. ‘Industrial’ hemp (without THC): Indoor and outdoor.

Processors and
harvesters

Processors and harvesters

Bringing in and securing crops, plus curing, trimming, or preparing harvested product for medicinal, recreational, or industrial use.

Manufacturers

Manufacturers

Manufacturers of CBD products, pharmaceuticals, cosmetics, hemp textiles, hemp-based insulation, hempcrete, and more.

Cannabis social clubs

Cannabis
social clubs

Cannabis social clubs, including Germany’s Anbauvereinigung model.

Wholesale distributors,
transporters and
freight forwarders

Wholesale distributors, transporters and freight forwarders

For domestic and international movement, handling and distribution of cannabis or hemp products.

Dispensaries, smoke
shops and retailers

Dispensaries, smoke shops and retailers

Retail sale of legal cannabis, CBD and hemp products, including hydroponics and cultivation equipment.

Laboratories
and R&D

Laboratories and R&D

Compliance and pharmaceutical testing, plus R&D from formulation to process engineering of legal cannabis products.

Industry
consultants

Industry
consultants

Consultants specialising in cultivation, licensing, audits, and other areas of cannabis operations.

Licensed businesses

Licensed businesses

Any licensed business handling cannabis, CBD or hemp.
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Why choose CannGen?

Reliable capacity

Backed by A and A+ rated carriers, offering financial strength and dependable protection.

Tailored protection

Every policy is purpose-built for cannabis, CBD and hemp, with no unnecessary gaps or assumptions.

Cross-border confidence

We support brokers and clients across the UK and Europe with solutions tailored to each market’s legal landscape.

True sector expertise

We’ve worked exclusively in cannabis insurance since 2008 , so we know the risks and how to mitigate them.

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Not sure what fits?

Cannabis liability varies across countries and sectors. If you need support finding the right policy, speak to our underwriting team today.
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Real support, real fast

Cannabis insurance can be complex, but we make it easier.

Whether you’re onboarding a new client, quoting a tricky risk, or need support with cover limits, our team is on hand with fast, expert answers. Check our frequently asked questions here, or speak directly to someone who understands both the market and your business.

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Accordion Content

We can cover the following non-life insurance lines: Property, Liability, Transport and Construction.

Please make contact with us to discuss the lines of cover that you require.

Please use the online enquiry form here

We are supported by various reputable insurance carriers, of which an A-rated leading German insurance group is the primary carrier.

We would usually remunerate our broker partners with a commission – please do get in touch if you wish to discuss this.