Cannabis business should get insurance. Cannabis insurance are various, but insurers will analyze your needs and recommend suitable ones. Find a suitable insurer by comparing the cots and terms and conditions of cannabis insurance from multiple insurers. These are the essential cannabis insurances that a cannabis company should have.
Protect your marijuana business from the risks that generally affect businesses of all types by getting commercial general liability insurance. Some of the risks that are under this cover are damages to property and injuries of employees.
Vehicle insurance covers the transporters from accidents and physical injuries. The medical bills of the casualties are paid by this insurance. The repairs of the trucks, cars, and motorcycles, whichever your company uses are also covered by this insurance. If the trucks, cars, and motorcycles are stolen, the insurance will replace them.
Employees get into accidents at the place of work; therefore, you need a workers compensation insurance for protection against this risk, as the employer. The employer will spend a lot of money on medical expenses when an employee gets injured depending on the policies of the company. Most companies hire independent contractors to run away from these costs, but there will be an investigation to prove that the person fits that category. When you have workers compensation insurance, you will be able to avoid these added costs because the insurance will pay for them. It is difficult to control some of the activities of the independent contractor like their working hours, but a workers compensation insurance makes the person cease being an independent contractor and become your employee.
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The cargo can get lost or destroyed when it is being transported hence get a cargo coverage insurance. Do not buy this insurance if you are transporting small quantities if marijuana because that is not necessary.
Equipment insurance protects the tools and machines that you use like computers. The insurer will repair or replace the machinery and tools.
Marijuana growers should consider getting crop insurance whether they are companies or individuals. In case of situations like diseases, pests, floods, drought and more, the insurance will provide you with finances to invest in the crop so that you get better yields. Farming is risky because you will not have control over most of the factors that may lower the quality or quantity of your harvest hence you need crop insurance to take care of the losses.
When you have a company property, you need to protect the asset and the things inside from theft, natural calamities, fire and so on. Your company will get so many losses of your property gets damaged.