General Liability responds to the core exposures most operations in this category face. A typical policy answers third-party claims and the defense costs that come with them, so a single incident doesn't put the business at risk.
Georgia requires workers' compensation for any business with three or more employees. That threshold is lower than many states, and it catches a lot of small venue operators off guard. Your door staff, bartenders, sound engineers, and even regular part-time stagehands count toward that number.
The penalties for non-compliance are steep: fines up to $10,000 and potential criminal misdemeanor charges. Georgia's State Board of Workers' Compensation actively investigates complaints, and injured employees who discover you lack coverage can sue you directly - without the protections that workers' comp provides to employers. Don't gamble on this one.
Workers' Compensation Laws in Georgia
Running a cannabis operation is hard enough without the constant worry that one compliance misstep, one contaminated batch, or one break-in could wipe out everything you've built. Yet that's exactly the position most operators find themselves in, because getting proper insurance coverage for a cannabis business remains one of the most frustrating challenges in the industry. The market is projected to grow from $2.06 billion in 2025 to over $10 billion within the next several years, and that growth reflects just how much demand there is for coverage that actually works. But here's the problem: most cannabis operators are either underinsured, paying too much for policies riddled with exclusions, or getting flat-out declined by carriers who don't want the risk. Whether you're a multi-state cultivator, a dispensary owner in a newly legal market, or a hemp beverage company trying to figure out product liability, the insurance side of your business deserves serious attention. This guide breaks down the coverage types that matter, the claims that hit operators hardest, and practical strategies for businesses that traditional carriers won't touch.
Navigating the Cannabis Insurance Landscape
The cannabis insurance market in 2026 looks radically different from even three years ago. More carriers are entering the space, but the underwriting criteria remain strict, and pricing varies wildly depending on your state, license type, and operational history. The result is a fragmented market where a dispensary in Colorado might pay half what an identical operation in New York pays for similar coverage.
What makes this industry uniquely difficult to insure isn't just the product itself: it's the regulatory patchwork. Every state has its own licensing requirements, security mandates, and compliance standards. Insurers have to underwrite each operation against a backdrop of rules that can change mid-policy term, which makes accurate risk assessment genuinely difficult.
Why Standard Policies Often Fall Short
Most commercial insurance policies were designed for businesses that don't handle controlled substances, store large amounts of cash on-site, or face the threat of federal enforcement. A standard Business Owner's Policy (BOP) typically excludes cannabis-related activities entirely, and even policies that don't explicitly exclude them often contain broad "illegal activity" clauses that could void coverage when you need it most.
I've seen operators assume their general commercial policy covers them, only to discover during a claim that their carrier considers cannabis cultivation an excluded activity. The denial letter arrives right when you're staring at $200,000 in crop loss. Standard policies also tend to cap theft coverage at levels that are laughably low for businesses that handle significant cash due to banking restrictions.
The Impact of Federal Status on Risk Management
Cannabis remains a Schedule I substance under federal law, and that classification creates a cascading set of insurance problems. Most admitted carriers (the large, state-regulated insurance companies) won't write cannabis policies because they operate across state lines and don't want federal exposure. This pushes operators toward surplus lines carriers and specialty markets, where premiums run 20-40% higher than comparable coverage in other industries.
The federal status also complicates claims. If a cannabis business suffers a loss and the insurer's legal team determines that federal illegality voids the policy, operators can find themselves in expensive litigation with no guarantee of recovery. The ongoing pressure on margins and coverage availability means operators need to read every exclusion carefully before signing.
INDEX
GrayStone Insurance Group is fully licensed and permitted to provide specialty commercial insurance solutions for high-risk and hard-to-place businesses across 17 states.
We proudly serve high-risk and hard-to-place businesses from coast to coast. As an independent specialty brokerage, our team works with leading Excess & Surplus and specialty carriers to make sure restaurants, bars, contractors, trucking companies, manufacturers, and other hard-to-place operations receive coverage that fits their real risks in California, Colorado, Florida, Georgia, Illinois, Iowa, Maryland, Michigan, Missouri, Nevada, New York, North Carolina, South Carolina, Tennessee, Texas, Utah, and Washington.
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
General Liability responds to the core exposures most operations in this category face. A typical policy answers third-party claims and the defense costs that come with them, so a single incident doesn't put the business at risk.
If your firm provides any design, engineering, or consulting services alongside construction, you need both. A GL policy won't cover a claim alleging your design specifications caused a building envelope failure. That's a professional liability exposure, and it's one of the fastest-growing claim categories in construction.
TEvery Austin retailer selling consumable hemp products must hold a valid license from the Texas DSHS. The annual registration fee is $258 per location, and most insurers require proof of active registration before they'll bind a policy. If you're operating multiple storefronts, each one needs its own registration.
The DSHS also requires that all consumable hemp products be manufactured in a facility that holds a DSHS license. This means if you're white-labeling products from an out-of-state manufacturer, you need to verify their compliance status too. Insurers will ask about your supply chain, and gaps here create gaps in your coverage.
CBobtail and Non-Trucking Liability Insurance
Bobtail insurance covers your truck when you're driving without a trailer attached, typically between loads or heading to a pickup. Non-trucking liability is similar but applies when you're using the truck for personal purposes outside of dispatch. These coverages fill gaps that your primary liability policy doesn't cover. Owner-operators leased to a carrier especially need to pay attention here, because the carrier's policy usually only covers you while you're under dispatch.
| Coverage Element | Basic Tier | Comprehensive Tier |
|---|---|---|
| General Liability | $1M per occurrence | $2M per occurrence |
| Product Liability | Often excluded or limited | Included with $1M-$2M limits |
| Crop/Inventory | Not included | Included with agreed-value endorsement |
| Product Recall | Not included | Included |
| Business Interruption | Limited | Full coverage with 12-month indemnity |
| Workers' Compensation | Add-on | Bundled |
| Approximate Annual Cost | $2,500-$5,000 | $8,000-$20,000+ |
Core Coverage Types Every Operator Needs
Not every cannabis business needs the same coverage stack, but certain policy types are non-negotiable regardless of whether you're growing, processing, distributing, or selling. Getting the right combination of policies, with limits that actually reflect your exposure, is the difference between surviving a major loss and shutting your doors.
General Liability vs. Product Liability
General liability (GL) covers third-party bodily injury and property damage at your premises: a customer slips on a wet floor, a delivery driver damages someone's property. Product liability covers harm caused by products you manufacture, distribute, or sell. For cannabis businesses, product liability is where the real exposure lives.
A single contamination event, whether from pesticides, mold, or mislabeled THC content, can trigger dozens of claims simultaneously. GL premiums for dispensaries typically range from $2,000 to $8,000 annually, while product liability for manufacturers and edibles producers can run $5,000 to $25,000 or more depending on revenue and product type. You need both, and they serve very different purposes.
Crop and Inventory Insurance for Cultivators
Indoor and outdoor cultivators face distinct risks, and standard property policies rarely cover living plants adequately. Crop insurance for cannabis typically covers losses from fire, equipment failure, pest infestation, and power outages: but not from law enforcement seizure, which remains an exclusion in virtually every policy.
Inventory insurance covers harvested product, whether it's curing, in storage, or in transit. Given that a single harvest cycle can represent $500,000 or more in value for a mid-size cultivator, carrying inadequate limits here is a mistake that can end a business overnight. Look for policies that cover replacement cost rather than depreciated value, especially for processed concentrates and finished goods.
Directors and Officers (D&O) Protection
Cannabis companies with investors, board members, or plans for public listing need D&O coverage. This protects leadership from personal liability in lawsuits alleging mismanagement, regulatory violations, or breach of fiduciary duty. With the wave of cannabis company consolidations and SPAC-related securities class actions still working through courts in 2026, D&O isn't optional for any operator with outside capital.
Premiums for cannabis D&O policies range from $10,000 to $50,000 annually, depending on company size and structure. Watch for "insured vs. insured" exclusions that could leave you uncovered in internal disputes between co-founders or board members.
| Coverage Type | Basic Package | Comprehensive Package |
|---|---|---|
| General Liability | $1M per occurrence | $2M+ per occurrence |
| Property Coverage | Building contents only | Contents + equipment floaters |
| Liquor Liability | $500K limit | $1M-$2M limit |
| Workers' Comp | State minimum | State minimum + employer's liability |
| Event Cancellation | Not included | Per-event or annual policy |
| Cyber Liability | Not included | Covers ticketing data breaches |
| Umbrella/Excess | Not included | $1M-$5M excess layer |
| Hired/Non-Owned Auto | $8,000-$15,000 | $25,000-$60,000+ |
| Feature | General Liability | Professional Liability |
|---|---|---|
| Covers | Bodily injury, property damage, advertising injury | Errors, omissions, negligent advice |
| Typical Limit | $1M per occurrence / $2M aggregate | $500K to $2M per claim |
| Claims Trigger | Physical harm or damage occurs | Financial loss from professional error |
| Required By | Most GCs, project owners, municipalities | Design-build contracts, engineering projects |
| Average Annual Cost (Solo) | $430 - $780 | $800 - $2,500 |
| Deductible Range | $500 - $2,500 | $2,500 - $10,000 |
| Coverage Feature | Basic Policy | Comprehensive Policy |
|---|---|---|
| General Liability | $1M per occurrence | $2M per occurrence |
| Product Liability | Often excluded or minimal | $1M-$2M with hemp-specific terms |
| Property/Inventory | Building only | Building + stock + equipment |
| Business Interruption | Not included | 6-12 months lost income |
| Product Recall | Not included | Included with sub-limits |
| Third-Party Lab Errors | Not covered | Errors & omissions extension |
| Typical Annual Premium | $2,000-$4,500 | $5,000-$12,000+ |
The price difference between basic and comprehensive coverage looks significant until you consider that a single product liability lawsuit can cost six figures. GrayStone Insurance Group uses data-driven risk modeling to match Austin operators with carriers that actually understand hemp, which often results in better coverage at more competitive pricing than what you'd find shopping blind.
Comparison: Basic vs. Comprehensive CBD Coverage
| Coverage Type | What It Covers | Common NYC Claims | Typical Cost Factors |
|---|---|---|---|
| General Liability | Third-party injury, property damage, advertising injury | Slip-and-fall in retail stores, signage disputes with neighboring businesses | Location foot traffic, square footage, annual revenue |
| Product Liability | Claims from products sold or distributed | Allergic reactions, mislabeled CBD concentrations, contamination | Product type, sales volume, testing/QA protocols |
| Property Insurance | Physical assets: inventory, equipment, fixtures | Water damage, fire, theft of inventory | Building age, neighborhood crime rates, inventory value |
Comparison: Basic vs. Comprehensive Cannabis Coverage
| Coverage Area | Basic Package | Comprehensive Package |
|---|---|---|
| General Liability | $1M/$2M limits | $2M/$4M limits with umbrella |
| Product Liability | Included with GL, shared limits | Separate policy, dedicated limits |
| Property/Inventory | Depreciated value, basic perils | Replacement cost, broad form perils |
| Crop Coverage | Not included | Equipment breakdown, pest, fire |
| D&O | Not included | $1M-$5M limits |
| Cyber Liability | Not included | $1M limit, POS and patient data |
| Crime/Theft | $25K-$50K sublimit | $250K-$500K with employee dishonesty |
| Annual Premium Range | $5,000-$15,000 | $20,000-$75,000+ |
The gap between basic and comprehensive coverage is where most claims fall through. Operators who buy the cheapest available policy often discover their actual exposure sits well above their coverage limits. A single product recall can exceed $100,000 in costs before legal fees even enter the picture.
Banking and Payment Processing Hurdles
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
General Liability responds to the core exposures most operations in this category face. A typical policy answers third-party claims and the defense costs that come with them, so a single incident doesn't put the business at risk.
Hired and Non-Owned Auto Insurance for Delivery Services
The explosion of delivery services has created an insurance blind spot for many restaurants. If your employee uses their personal vehicle to make a delivery and causes an accident, your business can be named in the lawsuit. Their personal auto policy likely excludes commercial use, and your commercial policy doesn't automatically cover vehicles you don't own.
Hired and non-owned auto coverage fills this gap. It's relatively inexpensive, usually $200 to $500 annually, and it protects you when employees use personal vehicles for business purposes or when you rent a vehicle for catering deliveries.
Even if you rely entirely on third-party delivery platforms, you're not completely insulated from liability. The contractual agreements with these platforms have limitations, and a determined plaintiff's attorney will name every possible defendant. Having your own coverage is the safest approach.
Common Claims and How to Avoid Them
Understanding what goes wrong most often helps you build a risk management plan that actually reduces your premiums over time. Insurers reward operators who demonstrate proactive loss prevention.
Product Recalls and Contamination Issues
Product liability claims are the fastest-growing category in cannabis insurance. Contamination from pesticides, heavy metals, or microbial agents triggers mandatory recalls in most legal states, and the costs add up fast: testing, notification, product retrieval, disposal, and legal defense. A mid-size edibles company can easily face $150,000 to $500,000 in total recall costs.
Prevention starts with rigorous testing protocols that go beyond state minimums. Batch-level testing, third-party lab verification, and documented chain-of-custody procedures all reduce your risk profile. Insurers like GrayStone Insurance Group, which uses AI-powered risk modeling to evaluate operational controls, will often offer better rates to operators who can demonstrate these systems are in place and consistently followed.
Theft and Security Breaches at Retail Locations
Cannabis dispensaries are high-value targets. Cash-heavy operations, valuable inventory, and predictable business hours make them attractive to organized theft rings. The average cannabis business faces significantly higher theft risk than comparable retail operations, and claims from smash-and-grab incidents have increased steadily since 2023.
Invest in security infrastructure that goes beyond state minimums: commercial-grade safes, reinforced entry points, 24/7 monitoring with armed response, and interior fog systems that disorient intruders. Document everything for your insurer. Operators with verified security systems and low claim histories can negotiate meaningfully lower premiums.
A small club (under 300 capacity) in Georgia typically pays between $8,000 and $15,000 annually for a package including general liability, liquor liability, and property coverage. Workers' comp adds another $2,000-$6,000 depending on payroll size. Per-event coverage for one-off shows runs $188-$280 per day.
How much does insurance usually cost for a small club?
Most startups can expect to pay between $2,500 and $6,000 annually for a basic general liability policy. Adding product liability typically pushes the total to $5,000 to $10,000, depending on your product type and projected revenue.
FAQ: How much does a basic policy cost for a startup?
FAQ: Can I get coverage if my hemp tests over 0.3% THC?
A hot test creates serious problems. The crop must be destroyed under federal and state law, and your insurer may not cover the loss unless you have a specific endorsement for THC compliance failure. Some specialty carriers offer this coverage, but it's not standard.
FAQ: Will my homeowners insurance cover my small hemp farm?
Almost certainly not. Homeowners policies exclude commercial agricultural operations, and hemp's association with cannabis makes this even less likely. You need a standalone commercial policy, even for a small grow operation.
How Trade Specialty Affects Your Premium
Your NCCI classification code is the single biggest factor in workers' comp pricing. Roofing contractors (code 5551) pay rates several times higher than interior finish carpenters. Electricians fall somewhere in the middle. The rate differences between trade classifications can be dramatic: a roofer might pay $15 to $25 per $100 of payroll, while a plumber pays $4 to $8.
General liability premiums follow a similar pattern. Excavation and demolition contractors pay significantly more than painters or flooring installers because the potential for property damage and bodily injury is higher.
Austin is the Live Music Capital of the World, and if your venue hosts performers, you need entertainment liability coverage. This covers injuries to performers, damage to their equipment, and incidents related to stage setups, sound equipment, and crowd behavior during shows. A standard general liability policy won't cover a speaker stack falling on a patron or a musician tripping over unsecured cables. If you host ticketed events, you may also need event-specific permits and insurance depending on capacity and format.
Live Music and Entertainment Endorsements
Yes, most insurers require proof of your NY State OCM registration or license before issuing a policy. This ensures your business is operating legally under current state hemp regulations. Without this documentation, you'll be hard-pressed to find any carrier willing to quote you.
FAQ: Do I need a special license to get insurance in New York?
Strategies for Hard-to-Place Cannabis Businesses
Some cannabis operations are harder to insure than others. Multi-state operators, businesses with prior claims, companies in newly legal markets without established regulatory frameworks, and operators with complex corporate structures all face additional hurdles.
Identifying High-Risk Factors in Your Application
Insurers flag certain characteristics immediately: prior losses, incomplete compliance documentation, operations in states with unstable regulatory environments, and businesses that combine cultivation with retail under one entity. If your application has been declined twice or more, the issue is usually in how the risk is being presented, not necessarily the risk itself.
Work with a broker who understands cannabis-specific underwriting. GrayStone Insurance Group's brokers average 20 years of industry experience and specialize in repackaging hard-to-place risks in ways that surplus lines carriers can actually evaluate. The difference between a declined application and a bound policy often comes down to how the submission tells your story.
The Role of Surplus Lines and Specialty Carriers
Because most admitted carriers won't write cannabis coverage, the surplus lines market handles the bulk of placements. Surplus lines carriers aren't bound by state rate regulations, which means they can price risk more flexibly but also charge more. In 2026, roughly 85% of cannabis insurance policies are placed through surplus lines.
Specialty carriers focused exclusively on cannabis have emerged as a viable alternative. These carriers understand the industry's nuances and often provide broader coverage terms than generalist surplus lines markets. The trade-off is that they're smaller and may have lower financial strength ratings, so verify their AM Best rating before binding. The evolving legal status of hemp-derived products is also creating new coverage categories that specialty carriers are better positioned to handle.
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
Every policy has boundaries. Knowing them up front is how you avoid an uncovered claim. Common exclusions include:
General Liability responds to the core exposures most operations in this category face. A typical policy answers third-party claims and the defense costs that come with them, so a single incident doesn't put the business at risk.
Common Questions About Cannabis Insurance
How much does cannabis business insurance cost per year? Costs vary dramatically by operation type. A single dispensary might pay $8,000 to $20,000 annually, while a vertically integrated multi-state operator could spend $75,000 to $200,000 or more for full coverage.
Does cannabis insurance cover federal raids or asset seizure? No. Virtually every cannabis insurance policy excludes losses resulting from federal enforcement actions. This is one of the most significant coverage gaps in the industry.
Can I get coverage if I've been declined by other carriers? Yes. Surplus lines and specialty carriers exist specifically for hard-to-place risks. A broker experienced in cannabis placements can often find coverage even after multiple declinations.
Do I need separate policies for each license type? Usually, yes. Cultivation, manufacturing, distribution, and retail each carry distinct risk profiles, and most carriers underwrite them separately. Bundling is sometimes possible but rarely cheaper.
Will my premiums decrease as the industry matures? Gradually. As more carriers enter the market and claims data matures, pricing pressure should ease. Operators with clean loss histories and strong compliance records will see reductions first.
A small club (under 300 capacity) in Georgia typically pays between $8,000 and $15,000 annually for a package including general liability, liquor liability, and property coverage. Workers' comp adds another $2,000-$6,000 depending on payroll size. Per-event coverage for one-off shows runs $188-$280 per day.
How much does insurance usually cost for a small club?
Most startups can expect to pay between $2,500 and $6,000 annually for a basic general liability policy. Adding product liability typically pushes the total to $5,000 to $10,000, depending on your product type and projected revenue.
FAQ: How much does a basic policy cost for a startup?
FAQ: Can I get coverage if my hemp tests over 0.3% THC?
A hot test creates serious problems. The crop must be destroyed under federal and state law, and your insurer may not cover the loss unless you have a specific endorsement for THC compliance failure. Some specialty carriers offer this coverage, but it's not standard.
FAQ: Will my homeowners insurance cover my small hemp farm?
Almost certainly not. Homeowners policies exclude commercial agricultural operations, and hemp's association with cannabis makes this even less likely. You need a standalone commercial policy, even for a small grow operation.
How Trade Specialty Affects Your Premium
Your NCCI classification code is the single biggest factor in workers' comp pricing. Roofing contractors (code 5551) pay rates several times higher than interior finish carpenters. Electricians fall somewhere in the middle. The rate differences between trade classifications can be dramatic: a roofer might pay $15 to $25 per $100 of payroll, while a plumber pays $4 to $8.
General liability premiums follow a similar pattern. Excavation and demolition contractors pay significantly more than painters or flooring installers because the potential for property damage and bodily injury is higher.
Austin is the Live Music Capital of the World, and if your venue hosts performers, you need entertainment liability coverage. This covers injuries to performers, damage to their equipment, and incidents related to stage setups, sound equipment, and crowd behavior during shows. A standard general liability policy won't cover a speaker stack falling on a patron or a musician tripping over unsecured cables. If you host ticketed events, you may also need event-specific permits and insurance depending on capacity and format.
Live Music and Entertainment Endorsements
Yes, most insurers require proof of your NY State OCM registration or license before issuing a policy. This ensures your business is operating legally under current state hemp regulations. Without this documentation, you'll be hard-pressed to find any carrier willing to quote you.
FAQ: Do I need a special license to get insurance in New York?
The Bottom Line for Your Business
Cannabis insurance isn't a box you check once and forget. It's an ongoing risk management strategy that needs to evolve as your business grows, regulations shift, and the carrier market changes. The operators who fare best are the ones who treat their insurance program as a competitive advantage: better coverage means more confidence to expand, take on investors, and weather the inevitable setbacks.
If your business has been declined or you suspect you're overpaying for inadequate coverage, the fix usually starts with finding a broker who genuinely specializes in this space. GrayStone Insurance Group maintains a 94% client retention rate precisely because they focus on hard-to-place businesses that other agencies turn away. Getting the right cannabis coverage in place isn't just about protecting what you have: it's about building something that lasts.
ABOUT THE AUTHOR:
CHAD KRAMER
I started GrayStone Insurance Group in 2018 with a simple conviction: the businesses everyone else turns away deserve a broker who won't. What began as a one-person operation has grown into a specialty commercial brokerage with offices across the country — but the mission hasn't changed. We find solutions for high-risk and hard-to-place businesses when other agencies run the other way.
I built this agency on integrity, hard work, and the tenacity to do the hard things well. Through our access to Excess & Surplus and specialty markets, my team and I place coverage standard carriers can't — and I treat every client's business like my own.
If you've been declined, non-renewed, or told your business is too complicated to insure, let's talk.
Coverages & policies
Plain-language coverage, expertly placed.
We lead with commercial lines and round out personal coverage where you need it. Every policy comes with an explanation — not jargon.
Contractors
Third-party bodily injury & property damage — the foundation for any operation.
Liquor Liability
Critical for bars, restaurants and venues serving alcohol — including A&B.
Commercial Property
Buildings, contents and equipment — including distressed and vacant risk.
Workers' Compensation
Statutory coverage for your crew — including high-mod and high-hazard classes.
Commercial Umbrella
Extra liability limits over your primary policies — essential for high-exposure risk.
Products Liability
Manufacturers, CBD and consumer-product exposure — including imports.
What clients say
Brokers who actually place it.
FAQ
Answers for the risks others won't cover
Getting declined, non-renewed, or told your business is "too high-risk" is frustrating — but it doesn't mean you're out of options. Here are answers to the questions we hear most from business owners who need coverage the standard market won't provide.
What kind of insurance does GrayStone specialize in?
We're a specialty commercial brokerage built for high-risk and hard-to-place businesses — the risks standard carriers often turn away. Through our access to Excess & Surplus (E&S) and specialty markets, we place coverage that everyday agencies can't. Hospitality and construction are among our deepest areas of expertise.
My business was declined or non-renewed elsewhere. Can you still help?
That's exactly what we do. A decline, a non-renewal, or a tough claims history doesn't mean you're out of options — it means your risk needs a broker with the right market access. Tell us your situation and we'll get to work finding a fit.
What is Excess & Surplus (E&S) insurance?
E&S is specialty coverage for risks that standard "admitted" carriers won't write — often because a business is higher-risk, unusual, or has a complex history. As an independent broker, we tap into these specialty markets to place coverage where a typical agency hits a dead end.
What industries do you work with?
We cover a wide range of commercial industries — from restaurants, bars, and hospitality to contractors, trucking, manufacturing, cannabis, and more. If your industry is considered high-risk or hard-to-place, there's a good chance we've handled it.
Will you work with businesses that have prior claims or losses?
Yes. Prior claims and losses are part of many of the risks we place every day. Every business is evaluated on its own merits — and a rocky history is often exactly why a specialty broker can help where others won't.
Are you an independent broker?
Yes. We're not tied to a single carrier, so we shop your risk across multiple specialty and E&S markets to find coverage that actually fits — instead of forcing you into a one-size-fits-all policy.
Insights & resources
Know your risk before you buy.
