---
title: "Cannabis Landlord Risk | CARMA"
description: "Connect property ownership, tenant operations, leases, utilities, security, values, and insurance obligations."
canonical: "https://www.carma365.com/insights/cannabis-landlord-risk/"
---

Property & contracts / CARMA field guide

# A cannabis landlord risk sits at the intersection of lease and operation.

Property ownership, tenant activity, buildout, utilities, security, values, and lease obligations need one coherent record.

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/)

Account brief

## Use this guide to focus the account discussion

**Why it matters**

A landlord submission should connect the lease to the tenant's operation and show which party owns, maintains, and insures the building, improvements, equipment, and inventory.

**Question to resolve**

Separate landlord property from tenant property, stock, improvements, and equipment.

**Record to prepare**

The lease, ownership schedule, insurance requirements, and responsibility for utilities and maintenance

[Submit the property and lease details](https://broker-forms-sandbox.pages.dev/application)
On this page 4 sections

## Why this matters to the submission

A landlord submission should connect the lease to the tenant's operation and show which party owns, maintains, and insures the building, improvements, equipment, and inventory.

## Questions to put on the record

- Separate landlord property from tenant property, stock, improvements, and equipment.

- Review permitted use, maintenance, utilities, insurance requirements, waivers, and indemnity.

- Describe how the tenant operation changes fire, water, electrical, security, and interruption exposure.

## What to gather from owner and tenant

- The lease, ownership schedule, insurance requirements, and responsibility for utilities and maintenance

- Building, improvement, equipment, and tenant property values

- A description of tenant operations, fire protection, security, electrical use, and interruption exposure

## What this guide can help with

This guide helps organize the account discussion. It does not confirm eligibility, available markets, coverage, pricing, licensing, or an outcome for a specific account.

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/).

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Next step

## Have a cannabis landlord account?