Home / Commercial / Cannabis


Canadian applicants for cannabis rose 150% in the first quarter of 2018. As the industry ramps up for legalization this summer there is need for evolved coverage.

Cannabis Coverage through Burns & Wilcox can help your clients manage the unique risks associated with operating medical marijuana growing facilities. The program is designed to help manage risks for building owners or leased facilities, providing comprehensive liability and property coverage in this up-and-coming, fast-growing industry. With unmatched medical marijuana expertise, we tailor our solidified mesh of cannabis insurance solutions as your clients’ operations expand from small local facilities, to large commercial growing operations. We have designed a flexible and adaptive product that ensures your client is constantly covered in this ever-changing legal environment.

Our program also extends to regulated cannabis dispensaries and other retail outlets which present their own unique set of risks and challenges. Your clients need to be conscious of a range of potential risks from theft, and employee dishonesty to equipment and building damages. Ensuring your clients have the appropriate insurance policy and risk management practices will safeguard them and their facilities from these threats.

For more information on Cannabis Coverage, contact the Burns & Wilcox office nearest to you.

Coverage Details and Features

General Liability

  • Premises liability (excluding products)
  • Occurrence form

Products Liability

  • Coverage for commercial producers licensed under Part 1 of Health Canada’s ACMPR (Access to Cannabis for Medical Purposes Regulations)
  • No restrictions for extracts based on THC concentration, intended consumption method, or extraction method


  • Monoline or packaged with premises GL
  • Coverage for buildings, equipment, tenant’s improvements, stock, business income and extra expenses
  • Coverage for all types of stock in various phases of production, including finished stock, growing plants, equipment, and components
  • Equipment breakdown available
  • Property extension available for broadened coverage

Product Recall

  • Safety and government triggered contamination policy for licensed marijuana producers in Canada
  • Protection for company’s balance sheet and their trading relationships
  • Will satisfy contractual obligations passed down by regulators and customers
  • Bespoke wording developed for the Canadian marijuana industry
  • Costs covered include recall costs, replacement costs, rehabilitations expenses, business interruption, extortion monies, consultant costs and pre-recall expenses

Cargo & Transit

  • Broad coverage form on all perils basis including while in transit
  • Available for grow facility owners or third party transportation services
  • Standalone or packaged with on-premises stock coverage

Directors & Officers Liability

  • Private & Public Directors & Officers Liability
  • Designed to cover directors and officers in the volatile conditions of the medical marijuana marketplace


Cyber & Digital Liability

  • Information security & systems breach for commercial medical marijuana producers
  • Comprehensive coverage including privacy regulations, cyber extortion/ransom, cyber crime, brand protection and Multimedia Liability

Cannabis: Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

Office Locations