Commercial Auto Insurance
Commercial auto covers the vehicles your cannabis business uses — delivery cars, transport vans, and trucks moving product or cash between licensed locations. Personal auto policies exclude business and cannabis use.
Commercial Auto for Cannabis Businesses
If your operation delivers to customers, transports product between a grow, a processor, and a dispensary, or moves cash to and from secure locations, you have commercial auto exposure. A personal auto policy will not respond to a business-use accident — and certainly not one involving cannabis transport.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your own vehicle in an accident
- Comprehensive: Theft, fire, vandalism, and weather damage
- Hired & non-owned auto (HNOA): Rented vehicles and employees using their own cars for deliveries
- Uninsured/underinsured motorist: Protection when the at-fault driver lacks coverage
Delivery and Transport Realities
Cannabis delivery and transport carry distinct risks: high-value product in the vehicle, cash on routes, and strict state rules on manifests, GPS tracking, and security. Carriers underwrite these accounts carefully and may require driver screening and route protocols. The product and cash in the vehicle are typically insured through cargo / inland marine and crime coverage rather than the auto policy itself — we coordinate both so nothing falls through the cracks.
Why a Broker
Few carriers write cannabis commercial auto, and appetite varies by state and by whether you deliver to consumers. We place your fleet with markets that understand cannabis transport and won't exclude the very activity you need covered.
What's Covered
Frequently Asked Questions
Not safely. Personal auto policies exclude business use and cannabis transport. You need a commercial auto policy — and if employees use their own cars, hired & non-owned auto coverage.
Generally no. The vehicle and its liability are covered by auto; the cannabis product and cash in transit are insured through cargo/inland marine and crime coverage. We arrange both together.