--- title: "General liability insurance | CARMA" description: "General liability insurance commonly addresses certain third-party bodily injury and property damage allegations. Product, professional, automobile, and..." canonical: "https://www.carma365.com/cannabis-insurance/general-liability/" --- Insurance by coverage # General liability insurance for cannabis businesses Best for Agents and brokers preparing this type of account General liability insurance commonly addresses certain third-party bodily injury and property damage allegations. Product, professional, automobile, and other exposures may require separate coverage, so the account record should show where premises liability ends and other responsibilities begin. 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/) [Start the online application](https://broker-forms-sandbox.pages.dev/application)[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 starting point ## Use this page when the account matches this situation. Agents and brokers preparing a cannabis liability submission involving premises, customers, vendors, contracts, events, or completed operations. **01 Start here when** The account needs premises activity separated from product, professional, automobile, contract, or other liability exposures. **02 Have ready** Operations and location schedule, sales, visitor activity, leases, contracts, products and services, current coverage, and loss history. **03 What happens next** Use the online application to provide the operations and contract detail needed for liability review. [Start the online application](https://broker-forms-sandbox.pages.dev/application)[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. On this page 5 sections On this page [Describe who enters the premises and why](#describe-who-enters-the-premises-and-why)[Separate premises work from products and services](#separate-premises-work-from-products-and-services)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Describe who enters the premises and why Identify customers, vendors, contractors, events, delivery activity, shared spaces, and any areas controlled by a landlord. Hours, security, visitor procedures, and contractual use of the premises can change the liability discussion. ## Separate premises work from products and services Explain whether the business manufactures or sells products, performs completed work, gives advice, hosts events, or assumes another party's liability by contract. Those activities help determine which coverage questions belong outside a general liability form. ## Liability questions to resolve before submission - Who visits each location, and which parts of the premises are open to them? - Does the business make, distribute, sell, install, or advise on any product or service? - Which leases, vendor agreements, or event contracts contain insurance or indemnity requirements? ## 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, vendor, contractor, event, delivery, and shared-premises activity at each location. - Separate premises exposure from products, completed work, professional services, and automobile activity. - Provide the leases and contracts that create insurance, indemnity, or additional-insured requirements. ## Records for a general liability review - Location and operations schedule with sales, visitor activity, and hours - Leases, major contracts, event details, and certificates or requirements received - Product and service descriptions, loss history, 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. [Start the online application](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)