Products liability insurance for cannabis, CBD and hemp businesses

Protect from product-related claims and legal action

Cover adverse effects, mislabelling, contamination and more – with liability cover built for cannabis products.

Policy overview

CannGen’s specialist Products Liability cover protects against claims arising from injuries, property damage, or other losses linked to your client’s cannabis, CBD, or hemp products.

Need coverage in a specific country? We provide flexible liability solutions tailored to local regulatory requirements across the UK and Europe, including Germany, the Netherlands, and Portugal. Our cover typically includes General Liability, Products Liability, and Employers’ Liability, with optional protections like accidental pollution or contamination depending on the market.

Whether the claim is local or international, we offer clear protection backed by A-rated carriers.

This policy includes:

Compensation to third parties for accidental injury or property damage caused by a product.

Defence costs and legal expenses.

Coverage for legal representatives and former employees.

And optional extensions such as:

  • Damage to entrusted goods.
  • Contractually assumed liability.
  • Damage abroad or due to radiation.
  • Additional energy costs or defective machinery.
  • Costs related to testing, sorting, recall, removal or reinstallation.

Who this is for

This cover is ideal for businesses involved in the production or sale of cannabis, CBD, or hemp-based products:

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.

Why choose CannGen?

Trustworthy backing

We work exclusively with A and A+ rated insurers, offering strength and peace of mind.

Purpose-built cover

Tailored for cannabis, CBD, and hemp businesses, with specialist protections standard carriers may overlook.

Pan-European reach

From the UK to Portugal and beyond, our cover adapts to evolving regulations and cross-border operations.

Industry know-how

We’ve been doing this longer than most – delivering fast underwriting, real claims support and expert-led solutions.

Want to offer product liability with confidence?

Speak to our underwriting team today for expert support and fast decisions.

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.

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.