Insurance by coverage

Assault and battery insurance for cannabis businesses

Assault and battery coverage can be limited or excluded in liability policies. The account review should reflect the premises, hours, customer interaction, cash exposure, security program, incident history, and contractual requirements.

Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage.

Important insurance information

This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance.

On this page 5 sections

Describe the customer and premises environment

Identify hours, neighborhood, entrances, waiting areas, parking, crowd management, age controls, cash handling, delivery, events, and any security concerns associated with the location.

Show how security personnel and incidents are managed

Explain whether security is employed or contracted, along with licensing, training, supervision, use-of-force procedures, cameras, alarms, incident reporting, and coordination with property management or law enforcement.

Security questions to resolve before submission

  • What customer, cash, parking, delivery, or event conditions increase conflict exposure?
  • Who provides security, and how are personnel trained, supervised, and documented?
  • What incidents, threats, calls for service, or contractual security requirements apply?

What CARMA wants the submission to explain

These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.

  • Describe customer traffic, hours, cash handling, security staffing, events, delivery, and prior incidents.
  • Explain cameras, alarms, lighting, access controls, incident procedures, and coordination with property management.
  • Identify contracts or premises responsibilities that affect security, indemnity, or insurance requirements.

Records for an assault and battery review

  • Location, hours, customer flow, cash, parking, delivery, and event information
  • Security-provider agreements, training, camera, alarm, and incident-response procedures
  • Incident history, loss runs, lease requirements, and current liability coverage

Can CARMA consider this account?

CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.

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Account-specific review

Bring CARMA the account.

Retail agents, wholesale brokers, and business owners can start with the details they have.