--- title: "Cannabis landlord and lessor's risk insurance | CARMA" description: "A cannabis landlord account sits at the intersection of the building, tenant operation, lease, utilities, improvements, and insurance obligations. The..." canonical: "https://www.carma365.com/cannabis-insurance/landlord-lessors-risk/" --- Insurance by coverage # Cannabis landlord and lessor's risk insurance A cannabis landlord account sits at the intersection of the building, tenant operation, lease, utilities, improvements, and insurance obligations. The submission should explain the tenant's actual activities rather than describing the property only as leased commercial space. 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 landlord 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 does each tenant do at the premises, and which licenses or approvals apply? **Confirm** Who owns and maintains improvements, equipment, utilities, fire protection, and security systems? **Prepare** Ownership, building, occupancy, tenant, and operations schedule [Discuss a landlord account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Connect each tenant to its use of the building](#connect-each-tenant-to-its-use-of-the-building)[Reconcile the lease with property responsibilities](#reconcile-the-lease-with-property-responsibilities)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Connect each tenant to its use of the building Identify ownership, occupants, license status, cultivation, manufacturing, retail, warehouse, office, or other activities at the premises. Describe vacancy, common areas, other tenants, and changes planned for the location. ## Reconcile the lease with property responsibilities Show how the lease assigns building, improvement, maintenance, utility, fire-protection, security, indemnity, and insurance duties. Explain landlord-owned and tenant-owned equipment or improvements separately. ## Landlord account questions to resolve - What does each tenant do at the premises, and which licenses or approvals apply? - Who owns and maintains improvements, equipment, utilities, fire protection, and security systems? - Do the lease, certificates, property values, and requested coverage assign responsibility consistently? ## 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. - Identify every tenant, its licensed activity, lease term, occupied area, and responsibility for improvements and systems. - Explain building protection, utilities, security, inspections, maintenance, vacancies, and property-management controls. - Reconcile leases, certificates, values, requested coverage, and the responsibilities assigned to landlord and tenant. ## Records for a cannabis landlord review - Ownership, building, occupancy, tenant, and operations schedule - Executed leases, insurance requirements, certificates, and improvement responsibilities - Property values, construction and protection details, loss history, and current 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 landlord account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)