Call 303.841.8999 (Please, no agents!)

Contact Us


Don’t Test Your Cannabis? Product Liability Insurance Carriers Will Just Say No

Testing Required for Product Liability Insurance 


The majority of cannabis product liability insurance companies now require their applicants to test their product.  This means your cannabis product has been tested at an independent lab or possibly in-house depending on the insurance carrier.  If you don’t test your product, the insurance carrier will decline your insurance request.  

This mandate comes as demand for product liability insurance continues to increase as cannabis licensees are discovering what they have a risk.  While testing has become a standard business practice for most cannabis licensees, a small percentage of licensees don’t test.  

How does the insurance carrier verify if you’re testing your cannabis product?

 Primarily through their application.  Below is an example of the question being asked from potential insurance applicants:      

Testing Question

You should note, the application  becomes part of the insurance policy and those answers you provide are relied upon before issuing an insurance policy.  Consequently, truthful and accurate answers are important.  


What if I start testing immediately in order to obtain a product liability insurance policy? 

This depends on the insurance carrier.  But, most of them are reasonable with their requirements.  Discussing these issues with a professional insurance broker or attorney licensed in your state will help with responding correctly and appropriately.  


It's only fair to share...Share on LinkedInTweet about this on TwitterShare on FacebookShare on Google+Pin on PinterestShare on TumblrEmail this to someone

Sorry, comments are closed for this post.

DISCLAIMER: Material presented by Owner website is intended for information purposes exclusively. It is not meant for professional insurance or legal advice, to induce or solicit new clients, and must not be construed as such. Each individual situation is unique and requires a licensed insurance broker or attorney in your state to evaluate and recommend insurance or provide legal advise respectively. OWNER IS NOT LICENSED IN EVERY STATE. Each insurance company, policy, and broker are unique with their terms,conditions, and product offerings placing the responsibility of the user to conduct and rely on their own due diligence.