Property damage and business interruption cover for cannabis businesses

Safeguard physical assets and secure income continuity

All-risks protection for cannabis businesses: securing property, income and operations when the unexpected hits.

Policy overview

Designed for established cannabis, CBD and industrial hemp organisations, this standalone cover protects against direct property damage and income loss caused by insured events.

Built with corporate clients in mind, it helps brokers place clear, comprehensive cover that supports long-term resilience, in the UK and across Europe.

Coverage highlights include:

All-risks protection for physical property and business interruption losses.

Clean-up costs and debris removal.

Control of damaged property.

Course of construction coverage.

Expediting and fire-fighting expenses.

Denial of access.

Research & development cover.

Optional extensions (UK only):

  • Transit / transportation.
  • Service interruption.
  • Joint ventures and associated organisations.

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.

Industry
consultants

Industry
consultants

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

Property owners

Property owners

Property owners leasing to cannabis businesses.

Why choose CannGen?

Reliability

We’re backed by A and A+ rated carriers, offering dependable cover and financial confidence.

Tailored protection

Our policy is built exclusively for the cannabis industry – shaped by hands-on sector insight.

Cross-border capability

We support UK and EU businesses through Freedom of Services and Master Controlled Programmes.

Real expertise

With extensive experience in cannabis insurance and claims, we’re here to guide you with speed and clarity.

Need business continuity cover?

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

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Name Surname
Position, Company Name

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.