General Liability
Coverage Highlights
- Occurrence Form (CG-ISO)
- Duty to Defend
- $0 deductible options for renewing IICH policies
- Waivers of Subrogation – NO CHARGE
- Primary wording – NO CHARGE
- Minimum Premium $500.00
Approved Classifications
- Cultivation (Indoor and Greenhouses)
- 3rd Party Processors / Harvesters
- Manufacturers
- Wholesale / Distributors
- Transporters
- Retail
- Management offices
- Landlords – LRO
- Smoke shops
- Garden / Hydroponic stores
Coverage Options
- $1,000,000 / $1,000,000
- $1,000,000 / $2,000,000
- $2,000,000 / $2,000,000
Deductible Options
- $0
- $2,500
Endorsements
- Pesticide & Herbicide Applicators
- $50,000 Occurrence / Aggregate
- $250,000 Occurrence / Aggregate
- HNOA Endorsement $1,000,000
- Additional Insured Certificates
- Vendor Certificates
- Waiver of Subrogation
- Primary Wording
- Hired and non – owned automobiles
Commercial Property
Coverage Highlights
- CP ISO forms
- Minimum Premium $500.00
- No sublimit for Cannabis Inventory when on the premises
- Outdoor BPP is approved
- No maximum number of locations – add as many locations as you need to with no restrictions
Approved Classifications
- Cultivation (Indoor and Greenhouses)
- 3rd Party Processors / Harvesters
- Manufacturers
- Wholesale / Distributors
- Transporters
- Retail
- Management offices
- Landlords – LRO
- Smoke shops
- Garden / Hydroponic stores
Coverage Options
- Coverage limits up to $10,000,000 Per location
- Real Property
- Business Personal Property
- Cannabis Inventory
Deductible Options
- $2,500
- $10,000
- $50,000
Endorsements
- Commercial Property Endorsement Premiums
- Form A – $500.00
- Form B – $750.00
- Form C – $1,000.00
- Commercial Property Endorsement – Coverage Summary
- Account Receivable
- Employee Dishonesty
- Money & Securities
- Property in Transit
- Property off – Premises
- Spoilage
- Valuable Papers and Records
- Outdoor Property (Fencing, Signs)
- Outdoor Property (Trees, Shrubs, *Plants)
- Personal Effects of Others
- Loss Payee
Product Liability
Coverage Highlights
- Covered Products
- Scheduled Cannabis, Hemp, and CBD Products
- None – Cannabis, Hemp, and CBD Products i.e.
- Equipment – Manufacturers
- Duty to Defend
- Product Withdrawal Reimbursement of Expense (Endorsement is Required)
- Multiple Deductible Options
- No Charge for Waivers of Subrogation
- No Charge for Primary Wording
Approved Classifications
- Cultivation (Indoor and Greenhouses)
- Manufacturers
- Retail
- Management offices
- Garden / Hydroponic stores
Coverage Options
- $1,000 (only offered on $100,000 limits)
- $5,000
- $10,000
- $25,000
Deductible Options
- $2,500
- $10,000
- $50,000
Endorsements
- RETROACTIVE DATE – (up to 5 years)
- Additional Insured Certificates $100.00
- Waiver of Subrogation – no charge
- Primary Wording – no charge
- Vendor AI Certificates
- Commercial Product Withdrawal
Excess Liability
Coverage Highlights
- Coverage limits up to $4,000,000 over the primary GL limits
- Coverage is provided by the same General Liability carrier for ease coverage
Approved Classifications
- Cultivation (Indoor and Greenhouses)
- 3rd Party Processors / Harvesters
- Manufacturers
- Wholesale / Distributors
- Transporters
- Retail
- Management Offices
- Landlords – LRO
- Smoke Shops
- Garden / Hydroponics stores
Coverage Options
- $1,000,000 / $1,000,000
- $2,000,000 / $2,000,000
- $3,000,000 / $3,000,000
- $4,000,000 / $4,000,000
Notes
- Excess limits do not extend over Product Liability or any other policy other than International Insurance Company of Hannover SE’s General Liability policy.
- Excess also does not extend over HNOA endorsement.
Deductible Options
- $2,500
- $10,000
- $50,000
Endorsements
- RETROACTIVE DATE – (up to 5 years)
- Additional Insured Certificates $100.00
- Waiver of Subrogation – no charge
- Primary Wording – no charge
- Vendor AI Certificates
- Commercial Product Withdrawal
Commercial Crop Insurance
Coverage Highlights
- Occurrence Form (CG-ISO)
- Duty to Defend
- $0 deductible options for renewing IICH policies
- Waivers of Subrogation – NO CHARGE
- Primary wording – NO CHARGE
- Minimum Premium $500.00
Approved Classifications
- Cultivation (indoor and Greenhouses)
- 3rd Party Processors / Harvesters
- Manufacturers
- Wholesale / Distributors
- Transporters
- Retail
- Management offices
- Landlords – LRO
- Smoke shops
- Garden / Hydroponic stores
Coverage Options
- $1,000,000 / $1,000,000
- $1,000,000 / $2,000,000
- $2,000,000 / $2,000,000
Deductible Options
- $0
- $2,500
Endorsements
- Pesticide & Herbicide Applicators
- HNOA Endorsement
- Additional Insured Certificates
- Vendor Certificates
- Waiver of Subrogation
- Primary Wording
- Hires and non-owned automobiles
Equipment Breakdown
Coverage Highlights
- Perishable Goods
- Physical damage to “perishable goods” due to spoilage
- Physical damage to “perishable goods” due to contamination from the release of refrigerant, including but not limited to ammonia
- Any necessary expenses incurred to reduce the amount of loss under this coverage to the extent that they do not exceed the amount of loss that otherwise would have been payable under this coverage
- Extra Expense
- Reasonable and necessary “extra expense” to operate your business during the “period of restoration”
- Service Interruption
- Loss and expense as defined under Business Income coverage and Extra Expense coverage that is the result of an “interruption of service”
- The interruption must result from an “accident” to “covered equipment” owned by a company the insured has a contract with to supply covered services.
Approved Classifications
- Retail Operation
- Landlord / Building Owner
- Greenhouse Operations
- Food manufacturing Operations
Coverage Options
- Total Insured Value (TIV) – up to $10,000,000 per location
- Loss of Income – up to $1,000,000
- Data Breach – YES
- Identity Recovery – YES
- Admitted Paper – YES
Deductible Options
- $500
Enhancements
- 150% Environmental, Safety and Efficiency improvements coverage – included
- $25,000 Mold coverage – included
- Worldwide Off – Premises Property Damage – included
- $25,000 Green coverage – included – in addition to any loss payable under the 150% ESE coverage referenced above.
- Civil Authority CBI coverage – included
- Brands and Labels, cover cost of relabeling – included
- Anchor Location, CBI coverage – included
Workers Compensation
Coverage Highlights
Provides wage replacement and medical benefits to employees injured during the course of employment in exchange for mandatory relinquishment of the employee’s rights to sue his or her employer for the tort of negligence.
Approved Classifications
- Cultivators (Indoor and Greenhouses)
- Processors / Harvesters
- Manufacturers of cannabis products and equipment
- Wholesaler / Distributors
- Transporters
- Dispensaries / Retail
- Laboratories
- Property Managers
- Landlords / Building Owners
- Garden / Hydroponic Stores
- Cannabis Schools / Events
Deductible Options
- $1,000
- $2,500