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
The CBD industry has a strange problem: it's legal enough to generate billions in revenue but still risky enough that most insurance carriers won't touch it. If you're running a CBD operation in 2026, whether you're growing hemp, manufacturing tinctures, or selling gummies online, you already know the frustration of getting declined by insurer after insurer. The global CBD market is on track to surpass $12 billion by the end of 2026, growing at a compound annual growth rate of 15.8%. That kind of growth attracts attention from regulators, plaintiffs' attorneys, and opportunistic competitors. It also makes proper insurance coverage not just smart, but existential. Finding the right CBD insurance as a hard-to-place operator means understanding what coverage you actually need, which claims are most likely to hit your business, and how to position yourself as an acceptable risk when traditional carriers keep saying no. This guide breaks all of that down in practical terms.
The Essential Role of Insurance in the CBD Industry
CBD sits in a regulatory gray zone that creates unique exposure. Federal rescheduling discussions have shifted the landscape significantly, and the DOJ's rescheduling of medical marijuana has broad implications for insurance coverage and compliance. But "shifting" doesn't mean "settled." State-by-state regulations remain inconsistent, the FDA still hasn't finalized its framework for CBD in food and supplements, and banking relationships remain fragile.
All of this means a single product recall, a mislabeled batch, or a customer complaint about adverse effects can spiral into a six-figure legal bill before you've even had your morning coffee. Without proper coverage, one bad batch could shut down your entire operation. I've seen CBD companies that were profitable for years get wiped out by a single product liability claim they thought would never happen.
Insurance isn't optional here: it's the difference between surviving a crisis and closing your doors. The challenge is that the insurance market for CBD businesses is still maturing, and the carriers willing to write these policies often charge premiums that reflect the industry's perceived risk rather than your actual track record.
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 for CBD Businesses
General Liability vs. Product Liability
These two get confused constantly, and the distinction matters. General liability covers third-party bodily injury and property damage that happens on your premises or as a result of your operations. Someone slips in your retail store? That's GL. Product liability is different: it covers claims arising from the products you manufacture, distribute, or sell. A customer alleges your CBD oil caused an allergic reaction? That's PL.
Most CBD businesses need both, and the premiums reflect the higher risk profile. General liability for a CBD retailer might run $2,500 to $5,000 annually for a $1M/$2M policy. Product liability, especially for manufacturers, can range from $5,000 to $15,000 or more depending on revenue, product types, and distribution channels. The cost of cannabis-related insurance varies widely based on your specific operation.
Crop and Inventory Protection
If you're growing hemp or storing significant inventory, crop insurance and inland marine policies deserve serious attention. A single hailstorm can destroy an outdoor hemp crop worth hundreds of thousands of dollars. Indoor grows face fire risk from lighting equipment and electrical systems.
Standard property policies often exclude or severely limit coverage for hemp and CBD inventory. You need a policy that specifically covers your raw materials, work-in-process, and finished goods at replacement cost, not depreciated value. The difference between those two numbers can be staggering when you're looking at a warehouse full of premium CBD isolate.
Professional and Cyber Liability
This is where many CBD operators have blind spots. If you provide any kind of consulting, dosage recommendations, or wellness guidance, professional liability (errors and omissions) coverage protects you against claims of bad advice. And if you sell online, which most CBD companies do, cyber liability is critical. Customer payment data, health-related purchase histories, and personal information all create exposure under state privacy laws.
A data breach affecting 10,000 customers can easily cost $500,000 or more in notification, credit monitoring, and legal defense costs. Cyber policies for CBD e-commerce operations typically start around $1,500 to $4,000 annually.
| 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 |
Motor Truck Cargo and Physical Damage Insurance
Cargo insurance covers the goods you're hauling if they're damaged, stolen, or destroyed in transit. Standard policies cover $100,000 in cargo value, but many NYC operators haul high-value freight: electronics, pharmaceuticals, luxury goods coming through JFK or the ports. If you're hauling $500,000 worth of product through the Bronx, a $100,000 cargo policy leaves you dangerously exposed.
Physical damage coverage protects your trucks themselves. Given that a new Class 8 tractor costs $180,000 to $200,000 in 2026, going without comprehensive and collision coverage is a gamble most operators can't afford. GrayStone Insurance Group works with operators who've learned this lesson the hard way: a single totaled truck without physical damage coverage can sink a small fleet's finances overnight.
Comparison: Standard vs. Specialized CBD Coverage
Here's where the rubber meets the road. Standard commercial policies and specialized CBD-specific policies differ in ways that can make or break a claim.
| Feature | Standard Commercial Policy | Specialized CBD Policy |
|---|---|---|
| Product Liability | Often excluded or sublimited for ingestibles | Full coverage for CBD/hemp products |
| Crop Coverage | Typically excluded | Available with specific endorsements |
| Regulatory Defense | Rarely covered | Included for FDA/statIncluded for FDA/state actions |
| THC Contamination | Excluded | Covered with lab testing requirements |
| Business Interruption | May exclude cannabis-related causes | Covers regulatory shutdowns |
| Premium Range | $3,000-$8,000 | $8,000-$25,000+ |
The price gap is real, but so is the coverage gap. A standard policy that costs half as much but excludes your most likely claims isn't saving you money: it's creating a false sense of security. GrayStone Insurance Group works specifically with hard-to-place businesses in sectors like CBD and hemp, using AI-powered risk modeling to match operators with carriers that actually understand and properly price these exposures.
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 CBD Claims and Risk Management
Product Mislabeling and THC Content Issues
This is the single most common claim category in the CBD industry, and it's entirely preventable. Third-party lab testing has revealed that a significant percentage of CBD products contain THC levels above the legal 0.3% threshold, or don't contain the amount of CBD stated on the label. Either situation creates liability.
A consumer who tests positive for THC on a drug test after using your "THC-free" product has a straightforward negligence claim. An employee who loses their job because of that positive test has damages that are easy to quantify. The defense costs alone on these cases typically run $50,000 to $150,000 even when you win.
The risk management fix is straightforward: invest in certificate of analysis (COA) testing for every batch, work with ISO-certified labs, and make sure your labels match your lab results exactly. Carriers that specialize in CBD coverage often require this documentation as a condition of the policy, which actually works in your favor.
Health Claims and Regulatory Violations
The FDA has been relatively hands-off regarding certain CBD market segments, but that doesn't mean you're in the clear. Making unsubstantiated health claims on your website, packaging, or social media remains one of the fastest ways to attract regulatory action and consumer lawsuits.
Saying your CBD tincture "cures anxiety" or "treats chronic pain" crosses the line from supplement marketing into drug claims. The FTC and FDA have issued warning letters to hundreds of CBD companies, and class action attorneys actively monitor CBD advertising for these exact claims. Regulatory defense coverage, which is included in most specialized CBD policies but absent from standard commercial policies, can cover the legal costs of responding to FDA warning letters and state enforcement actions.
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?
Navigating Challenges for Hard-to-Place Operators
Why Traditional Carriers Decline CBD Risks
The cannabis insurance market continues to harden, and traditional carriers have several reasons for staying away. The regulatory uncertainty is the biggest factor: underwriters struggle to model risk when the legal framework could change with the next legislative session or executive order. Banking complications add another layer, since carriers worry about the enforceability of contracts in an industry with unstable financial infrastructure.
Claims data is also thin. The CBD industry is young enough that actuarial tables don't have decades of loss history to draw from. Without reliable data, underwriters default to worst-case assumptions, which either prices policies out of reach or leads to outright declinations. If you've been declined by two or three carriers, you're not alone: it's the norm in this space, not the exception.
Strategies for Securing High-Risk Coverage
Getting placed as a hard-to-place CBD operator requires preparation and the right broker. Start by building a risk profile that makes underwriters comfortable. That means documented SOPs, third-party lab testing protocols, regulatory compliance records, and a clean claims history.
Working with a broker who has deep relationships with surplus lines carriers and specialty markets makes an enormous difference. GrayStone Insurance Group's brokers average 20 years of experience and maintain relationships with carriers that specifically appetite CBD risks. Their 94% client retention rate reflects the reality that once hard-to-place operators find coverage that actually works, they don't leave. The state of the cannabis market in 2026 is evolving rapidly, and brokers who understand both the insurance and cannabis sides of the equation are worth their weight in gold.
Consider these steps to improve your placement odds:
- Maintain batch-level COA documentation for all products
- Implement a formal quality control program with written procedures
- Carry separate product liability and general liability policies rather than trying to bundle everything
- Keep detailed records of all regulatory correspondence
- Invest in employee training on compliance and product handling
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 CBD Insurance
How much does CBD insurance typically cost per year? Annual premiums range from $5,000 for a small retailer with basic GL/PL coverage to $25,000 or more for manufacturers with significant revenue and broad distribution. Your specific cost depends on revenue, product types, claims history, and state regulations.
Does my CBD business need product liability insurance even if I only resell products? Yes. As a retailer or distributor, you're in the chain of commerce and can be named in a product liability lawsuit regardless of whether you manufactured the product. Your supplier's insurance doesn't protect you.
Will my policy cover me if my product accidentally exceeds the 0.3% THC limit? Specialized CBD policies often cover THC contamination claims, but they typically require you to maintain third-party lab testing protocols. Standard commercial policies almost universally exclude this.
Can I get coverage if I've already been declined by other carriers? Absolutely. Surplus lines and excess markets exist specifically for risks that admitted carriers won't write. A broker experienced in hard-to-place risks can often find coverage within 30 to 60 days.
Does CBD insurance cover FDA enforcement actions? Specialized policies usually include regulatory defense coverage that pays for legal representation when responding to FDA warning letters or state enforcement proceedings. Standard policies rarely include this.
Are multi-state CBD operations harder to insure? They are, because each state has different regulations and licensing requirements. Your policy needs to account for the compliance landscape in every state where you operate, which increases complexity and cost.
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?
Making the Right Choice for Your Business
CBD insurance isn't a commodity you can shop on price alone. The cheapest policy is almost always the one with the most exclusions, and those exclusions tend to align perfectly with the claims CBD businesses actually face. A $4,000 policy that excludes product liability, regulatory defense, and THC contamination coverage is essentially decorative.
Focus on three things: finding a carrier that explicitly covers CBD and hemp products, working with a broker who understands both the insurance mechanics and the realities of your industry, and investing in the compliance infrastructure that makes you insurable at reasonable rates. The Q2 2026 cannabis market commentary suggests continued growth and investment in the sector, which means more carriers will enter the space over time, but right now, the operators who get the best coverage are the ones who make underwriters' jobs easy.
If you're tired of declinations and policies full of gaps, reach out to GrayStone Insurance Group. Their team specializes in placing coverage for exactly the kind of business that other agencies turn away, and they do it with the precision and transparency that hard-to-place operators deserve.
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.
