--- title: "Assault and battery insurance | CARMA" description: "Assault and battery coverage can be limited or excluded in liability policies. The account review should reflect the premises, hours, customer..." canonical: "https://www.carma365.com/cannabis-insurance/assault-battery/" --- 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. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss a premises security account](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Speak with the CARMA team](/contact/) 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. Account brief ## What to clarify before discussing this account **Clarify** What customer, cash, parking, delivery, or event conditions increase conflict exposure? **Confirm** Who provides security, and how are personnel trained, supervised, and documented? **Prepare** Location, hours, customer flow, cash, parking, delivery, and event information [Discuss a premises security account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Describe the customer and premises environment](#describe-the-customer-and-premises-environment)[Show how security personnel and incidents are managed](#show-how-security-personnel-and-incidents-are-managed)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## 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. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Discuss a premises security account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)