green-leaf INSURANCE ™

green-leaf INSURANCE ™ is a division of C3 Risk & Insurance Services, composed of professional independent insurance agents who are deeply committed to the cannabis industry and have a strong working relationship with the leading insurers in the industry.

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General Liability Coverage:

A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

Product Liability Insurance

Protection against financial loss arising out of the legal liability incurred by an insured because of injury or damage resulting from the use of a covered product or out of the liability incurred by a contractor after a job is completed (completed operations coverage).

Property Insurance

Protection against Business Personal Property and Tenant Improvements i.e. equipment, raw materials, finished stock, inventory, and many other contents included (but not limited to) in your business as a result of theft, fire, smoke, explosion, equipment breakdown, water damage, vandalism, hail and wind.

Workers’ Compensation

A form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.

Directors & Officers Liability

This is liability insurance that provides protection for the directors and officers (D’s and O’s) of your company in the event they are sued as a result of the performance of their duties as they relate to the company.  A very important aspect of this coverage is that it provides defense coverage, even if the allegations are false.  We urge our client to explore this coverage option, especially if they have outside investors, as these types of claims are becoming more and more common.

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Business Income

Provides coverage for lost profits and continuing expenses due to a substantial business interruption. Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.

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Cyber and privacy policies cover your business’ liability for a data breach in which the firm’s customers’ personal information, such as social security or credit card numbers, is exposes or stolen by a hacker or other criminal who has gained access to the firm’s electronic network. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

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Employment Practices Liability

Provides protection for an employer against claims made by employees, former employees, or potential employees.  It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.  You need this insurance as soon as you start to hire employees.  Most investors and directors require you carry this coverage as part of your D&O Liability since they can also be liable in suits relating to the employment practices

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Professional Liability

Coverage designed to protect traditional professionals against liability incurred as a result of errors and omissions in performing their professional services. In addition, professional liability policies contain what are known as “shrinking limits,” meaning that unlike CGL policies, the insurer’s payment of defense costs reduces available policy limits.

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Umbrella Liability

A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.

Equipment Breakdown

Coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

Crop Coverage

One of the most important elements of cultivation operations is the safety of crops from fire, theft and smoke damage. These exposures can cause can catastrophic loss to your operations and ruin an entire crop for harvest. Having proper crop coverage, in parallel with equipment breakdown coverage, can protect your most valuable assets.


Crime Insurance for cannabis companies is primarily designed to cover theft of money (i.e. robbery, burglary and forgery). However, this coverage has evolved in broader form as the industry has evolved. With more cyber-attacks happening daily, crime insurance continues to expand to include new definitions of theft; not just your typical cash drawer theft.

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