Commercial Property Insurance

Commercial Property for Cannabis Operations

Cannabis businesses are uniquely property-intensive and uniquely targeted. Dispensaries hold high-value inventory and, because of federal banking limits, often significant cash on site. Cultivation and processing facilities house expensive HVAC, lighting, and extraction equipment. Commercial property insurance protects those assets when a covered loss occurs.

What's Covered

• Building & tenant improvements: Your build-out — vaults, security infrastructure, grow rooms, lab spaces
• Business personal property: Equipment, fixtures, furniture, and supplies
• Finished inventory / stock: Packaged product held for sale (coordinated with crop and product coverage)
• Cash & money: On-site and in-transit cash, a critical exposure in a cash-heavy industry
• Equipment breakdown: Mechanical and electrical failures of critical systems

Theft and Crime Are the Headline Risk

Because of high product value and limited banking access, cannabis businesses face elevated burglary and robbery risk. We build property programs with appropriate crime/money limits and coordinate with the security requirements your carrier and license demand — alarms, safes, camera systems, and access controls.

Business Interruption

A fire or major equipment failure can shut you down for weeks. Business interruption (business income) coverage can replace lost revenue and cover continuing expenses while you rebuild — often the difference between recovering and closing for good.

Why Use a Broker

Property forms for cannabis vary in what they include for cash, inventory valuation, and equipment breakdown. We compare carriers to make sure your build-out, stock, and cash limits actually reflect what's at risk.