Cannabis Dispensary Insurance pays or damages to your marijuana business property resulting from a covered loss. Marijuana Dispensary Insurance not only protects your place of business but also your contents including office furniture, computers, your business inventory and other items essential to your business operations. Some of the most common loss items that result in a claim against your cannabis dispensary insurance are fires and flood. Marijuana Dispensary Insurance Pays money needed to keep operating your cannabis dispensary business until the damage from the loss is repaired.

California Marijuana Insurance Big Topic at Wholesaler Association Conference

If California marijuana insurance is a major topic at a wholesaler conference then you know that it is important. California saw over $9 billion in general insured losses last year over the two November wildfires alone. Also, a massive court decision known to as the Dynamex decision is shaking the industry.

The California Wholesaler Association conference is a major conference for insurance agents in the 5th largest economy in the world. California is lacking in cannabis insurance specialists but the industry is ramping up quickly after recreational marijuana became a legal regulated market in 2018. A little over a year later, California is still working out many details and has a long way to go, but the California marijuana insurance business is likely to become much larger.

cannabis insurance specialists are more important since so few people involved in the business of marijuana understand their alternatives

A number of marijuana insurance agents were present to speak and learn at the conference and spoke with an Insurance Journal reporter. The CEO of one particular insurance company had this to say:

He said most cannabis operators seek the same kind of insurance many businesses want, such as general liability, workers’ compensation, slip and fall.

He said growing facilities with their expensive equipment and sophisticated operations need a lot of insurance.

“We’re seeing high property limits,” he said.

Brown said some businesses have been in operation long enough to have a good loss history, but many operated in grey areas before California legalized adult use, so that history isn’t always a dependable one for underwriting purposes.

Underwriting as a whole for the cannabis industry can be tough, he said, because there are also numerous companies with no loss history at all.

“The business interruption exposure, for example, is a vague and nebulous thing for a lot of startup operators,” he said.

Tatum said that because banks are regulated by the federal government, which still considers cannabis a controlled substance, that many operations have an abundance of cash on hand.

“Finding coverage for the actual cash on the premises has been a problem,” he said.

Quilici said that educating her clients on the ins and outs of cannabis coverage has become a big part of the job, as has educating herself.

“I’ve got retailers that know this business than I ever could, and I’ve got retailers that know nothing,” she said.

California marijuana farms have been around illegally since the 1960's but now that cannabis is legal marijuana crop insurance is important

Cannabis coverage is essential and it is not surprising that marijuana business owners are looking for the same sort of Directors and Officers insurance, slip and fall insurance and other logical forms of coverage as mainstream industries. California has been the home of illegal marijuana grows since the 1960’s and the idea of getting any sort of marijuana insurance coverage probably never really occurred to growers.

The marijuana industry is growing rapidly and so proper cannabis insurance coverage will be as normal for cannabis companies as any other industry. Cannabis crop insurance is certainly important with the wildfires in that region of the country. Beyond that, normal dispensary insurance, marijuana lab testing insurance and other forms of coverage become that much more important the bigger the California marijuana industry grows.

Read more at InsuranceJournal.com

Cannabis Industry Top Paying Jobs

The beauty of the cannabis industry is that as it becomes less taboo, more opportunities will arise for more individuals to profit in the flourishing field. Not everyone involved in the cannabis industry can be a dispensary owner or a cannabis grower. There is a need for budteneders, bud trimmers and cannabis insurance providers like S2S Insurance Specialists. While these jobs are all important and require certain skills, there is also a demand for jobs that require a more advanced skill set and knowledge. These jobs are more than likely to turn into careers for those qualified, and not just part time jobs while in school.

The jobs cannabis industry employers are most eager to fill usually require chemistry, botany, and/or engineering degrees. The jobs deal heavily with the science of manipulating the cannabis plant for a desired product or effect. Many of these higher skilled positions can pay in the six figure range for larger companies with all signs pointing towards long term job security.

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Budtenders, who sell marijuana to customers at dispensaries, typically make about $14 an hour. The job requires an in-depth knowledge of cannabis strains and products and a bartender-like rapport with customers. In Colorado and also Michigan, where medical marijuana is legal, budtenders are required to have licenses.

The greatest demand, according to James Yagielo, co-founder and owner of the Florida-based headhunter HempStaff, is for master extractors. They process the active components THC and CBD from marijuana and hemp to make oils, concentrates, edibles and other products.

The master extractor at Acme Elixirs, a producer of THC and CBD chews and vape pens, earns $250,000 a year, said founder and CEO Peter Pietrangeli. But he said that even with that level of pay it’s hard to recruit and keep these workers “because after a while they’ll get the funding to build their own labs.”

Becoming a master extractor requires a PhD in biochemistry with a background in engineering, which means there’s a small pool.

He said job seekers with degrees in botany, chemistry or pharmacology are the next generation of master growers and lab directors. Like master extractors, lab directors and master growers can earn big dollars.

“I know some master growers who make more than $200,000. They’re valuable,” said William Simpson, CEO of Golden Leaf Holdings, an Oregon-based chain of dispensaries, cannabis farms and manufacturers. “That is going to be a very sought after, difficult position.”

Elad Spiegel, director of cultivation and breeding for Golden Leaf, said his annual pay is $120,000. He has a bachelor’s in plant science from Hebrew University in Jerusalem and started working in the cannabis industry in his native Israel before joining Golden Leaf in 2015.

cannabis insurance, s2s insurance, david rahn, cannabis industry, marijuana professional liability insurance, cannabis insurance specialistsHaving a master extractor or master grower can be a benefit for a growing cannabis company. But, like anything in business there is risk involved. Certain professionals, because of their expertise, are held to a higher standard of liability due to the impact of their potential mistakes. These professionals are well trained and skilled at not making mistakes, but they do happen. If a mistake does happen, you as a business owner want to be prepared. Eric Rahn of S2S Insurance asks a simple question when potential clients waiver on cannabis insurance, “When the shit hits the fan can you afford to clean up the mess?” Professional liability insurance is designed to protect professionals against liability incurred as a result of errors and omissions in performing their professional services. This protects the professional, and with the right risk management strategy, can protect your business as well. Contact S2S Insurance Specialists today to see what we can do for your cannabis business.

read more at money.cnn.com

The SEC May Find Your Marijuana Company Negligent in Cyber Fraud Cases

The enthusiasm towards the marijuana industry is palpable. The cannabis space is growing at a remarkable pace and both voters and legislators are going through the slow process of adapting laws to make room for the industry in the mainstream. However, it is easy for a marijuana company to get lost in the enthusiasm and lose sight of the bigger picture. The reintroduction of cannabis into the mainstream at this time, an era where technology is advancing at a speed most people are challenged to keep up with, presents risks any cannabis entrepreneur should stay current with on a consistent basis. These are the sorts of risks that only the proper marijuana insurance policies may be able to cover. Many companies may feel they have solved their cyber security problems by having anti-virus software throughout their network of company computers. But, many cyber attacks have little to do with the vulnerabilities present in a computer, but instead with the users of the computers.

SEC cyber security report, Marijuana company, marijuana data breach insurance, s2s insurance, eric rahn, marijuana insuranceRecently, the SEC issued a warning to mainstream publicly traded companies that they will soon have little tolerance for negligence in maintaining cyber security. While the advancement of technology is swift, companies have now had decades to become accustomed to electronic financial transactions and the criminal efforts to fool companies into making deposits into fraudulent accounts. Sections 13(b)(2)(B)(i) and (iii) of the Securities Exchange Act of 1934 (“Exchange Act”) requires that companies “devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that (i) transactions are executed in accordance with management’s general or specific authorization,” and that “(iii) access to assets is permitted only in accordance with management’s general or specific authorization.”

marijuana company, cannabis email fraud, marijuana cyber security insurance, eric rahn, s2s insurance, who insures marijuana companies, cannabis insurance specialistsIn the SEC report, none of the companies referenced, which lost nearly $100 million in total to cyber fraud, were found to be guilty of negligence. However, the report is a clear warning by the SEC to these companies and others, that anything but the strictest protocol for tracking transactions will be sufficient for publicly traded companies moving forward in order to protect investors. Hardly any of the funds stolen from these companies were recovered. To have a reparation filed against a company by the SEC for negligence in accounting controls on top of losing millions of dollars would scare shareholders away. The incidents referenced in the report involved the simple use of email. In some cases, an email address was created that looked like an official request for payment from an executive at a vendor. On the surface the email may have looked official, but employees working in processing plainly rushed through their tasks without reading emails thoroughly, or they would have likely identified discrepancies. The other cases involved hacking into company email accounts and manipulating financial ledgers. The criminals blended future transactions into the their look-alike vendor accounts with legitimate future transactions. The SEC’s point should be well taken. The stolen funds were ultimately due to the fact that the companies were not following their own sets of checks and balances and failed to identify the scams, when a diligent eye would have caught them.

marijuana company, s2s insurance, david rahn, cyber security insurance, cannabis insurance specialistsNow, if we take a look at the cannabis industry, the vulnerabilities to these sorts of attacks seem obvious. Cannabis companies have much more to track on their own due to the federal Schedule 1 status of marijuana. A marijuana business does not have the benefit of bank record keeping to track transactions since most banks refuse to accept the funds of a cannabis company in fear of violating anti-money laundering laws. Granted, cyber attacks like the ones identified in the SEC report rely upon electronic transactions, therefore a cash business would not be the target of this specific sort of cyber crime. However, as long as a criminal can isolate a flaw in a company’s tracking of financial transactions, they will see an opportunity to steal. Should the federal government look to legalize cannabis, and banks do start accepting the funds of the marijuana industry, then cannabis companies may be the biggest target of all. Phases of transition are where mistakes are most likely to occur, and hackers know it.

Tracking products all the way from seed to sale is not only happening in the cannabis industry. With the creation of blockchains that are commonly associated with cryptocurrency, comes a means to create verifiable ledgers for all sorts of transactions that are not centralized and therefore are not as easy to hack. So, if you want to know that you are eating a tomato grown on a certain farm in the United States, the tracking system can confirm where the tomato was grown and where the seed came from. To do this, a strict log of all transactions must be kept and quickly verified by third parties. Any discrepancy in that log throws up red flags and any fraudulent transactions can be rooted out quickly. It is this sort of organized tracking that is the way of the future and intended to eliminate these very sorts of fraudulent cyber attacks. While the advancement of technology provides new and different opportunities to steal, it also provides solutions.

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The unfortunate incidents cited by the SEC in their report shows that human involvement is still very necessary when it comes to accounting and logging transactions. It is necessary for all protocol to be be followed exactly on a consistent basis in order to prevent these sorts of breaches that can result in the loss of millions of dollars. Computers are nothing without people still, which means that human error will continue to be a factor. However, cyber security or data breach insurance for a marijuana company can counter those financial losses. It is up to the pioneers of the cannabis industry to set the standard, once marijuana goes completely mainstream, by recognizing cyber threats and continuously staying updated on new threats. Things are happening fast, and should marijuana become rescheduled or even descheduled, then a multi-billion dollar industry will suddenly be thrust upon the banking sector. Clever criminals will identify this transition phase as a time when sloppy accounting and other slip ups are likely to happen leaving cannabis companies vulnerable to cyber attacks.

Eric and David Rahn of S2S Insurance Specialists understand these cyber risks well. With over two decades of working experience in mainstream business and watching technology advance at such a rapid pace, they can help you understand the cyber security risks of your marijuana company. They can review with you the cannabis company data breach policies that would most benefit your company. Contact Eric and David Rahn, the cannabis insurance specialists, for more information.

Cannabis Cash Creates Threat For Cannabis Business Owners

The cannabis industry is growing year-over-year as individual states legalize the plant. The industry is growing because of legalization, but also because of market demand. People are spending their hard earned cash on cannabis every day, which therein lies the problem. Cannabis cash is not accepted by most financial institutions and leaves cannabis business owners with few options on how to deal with the surplus of cash. When we reference cannabis cash, we are speaking directly to the actual printed currency used in transactions. Because financial institutions are beholden to federal law, most financial institutions frown upon participating in any transaction that involves the exchange or use of cannabis cash.

s2s insurance, eric rahn, marijuana insurance, dispensary insurance, lab testing insurance, cannabis cashAs long as the federal government views cannabis as a Schedule I drug along the lines of heroin and cocaine, financial institutions are at risk of being audited, fined, and possibly shut down for violating federal law if they partake in any transactions using cannabis cash. At S2S Insurance we see the accumulation of large amounts of cash problematic for a number of different reasons. “Cash Only” businesses invite criminal activity because criminals have an opportunity to obtain a large amount of cash that cannot be traced and can be used quickly to avoid capture. Cannabis business owners become targets for breaking and entering, robbery, and vandalism. An attempted robbery whether successful or not can leave a great deal of property damage, from broken windows or doors, to broken equipment, display cases, vaults or point of sale devises. That type of damage is costly to any business owner, not just those in the cannabis industry.

The marijuana business is booming in the US. According to a report from the investment bank Cowen, legal marijuana is set to hit $75 billion in sales by 2030, putting it on par with soda consumption. Marijuana cultivators are now listed on the NASDAQ, have former politicians on their board, and are backed by heavyweight investors like Leon Cooperman.

But for many big institutions, the risks of banking and lending to the cannabis industry under the current federal mandate just aren’t worth it, especially with all the extra paperwork and scrutiny it can generate.

“For cannabis businesses, this means that access to the basic financial products like checking and savings accounts can be elusive,” John Hudak, a senior fellow at the Brookings Institution who studies issues pertaining to marijuana legalization, told Business Insider.

s2s insurance, eric rahn, marijuana insurance specialists, liability insurance for marijuana, dispensary insurance, cannabis cashTyler Beuerlein, a VP at Hypur, an Arizona-based fintech startup that acts as a middleman between banks and cannabis companies, told Business Insider that he believes there are “less than 30” banks willing to do business with the booming cannabis industry in the US.

That means the costs of doing business and remaining compliant with the byzantine patchwork of state and federal laws guiding the cannabis sector are much higher than in any other industry.

Every cannabis business owner that has the “cannabis cash” problem, should take the first step in protecting their business by getting cannabis insurance. Standard insurance polices will not be enough because of the uniqueness of the cannabis industry. Cannabis business owners should be working with experienced cannabis insurance specialists like Eric Rahn of S2S Insurance, to help determine the right risk management strategies for their business.

read more at businessinsider.com

California Cannabis Business Owners Remain at Risk As State Congress Rejects Banking Measure

Cannabis business owners are in the marijuana business to make money, which has become a major problem. Cannabis business owners are dealing with a reality in which they are having marketing and retail success that is generating large revenue numbers. The large revenue being generated is coming in the form of cash and cash only, unless the company is an ancillary business and even then there are challenges. Due to the federal government refusing to remove marijuana from a schedule I classification, banking institutions and cannabis business owners are having a tough time finding common ground. While it is true that a number of states have legalized marijuana either for medical use, recreational use or both, many financial insinuations  are refusing to work with marijuana related businesses due to fear of facing federal charges for money laundering while the plant is still considered illegal federally.

S2s Insurance, Eric Rahn, cannabis insurance specialists, Schedule 1, marijuana business, cannabis ancillary business, weed insuranceCalifornia has attempted to shield it’s financial institutions from federal punishment by introducing a measure that would allow the banks to open accounts for marijuana businesses without being punished by federal regulators. The measure was voted on and rejected by the state’s congressional committee. For the banks and cannabis business owners, their hands remained tied. Banks cannot risk federal prosecution for money laundering or even possibly a RICO (Racketeer, Influence, and Corrupt Organizations Act) charge for helping a cannabis related business deposit money into a bank. The federal government could come in at anytime to freeze and or seize the bank’s assets due to the illegality of marijuana which most banks are not willing to risk.

The broader measure would have prevented the U.S. Department of Treasury from taking any action to “penalize a financial institution solely because the institution provides financial services to an entity that is a manufacturer, producer, or a person that participates in any business or organized activity that involves handling marijuana or marijuana products” in accordance with state or local law.

After a lengthy and impassioned debate during which at least 19 lawmakers spoke, it was defeated on a voice vote by the House Appropriations Committee.

Despite the fact that a growing number of states are legalizing marijuana for recreational or medical use, many financial institutions have remained reluctant to work with cannabis businesses for fear of running afoul of money laundering laws under ongoing federal prohibition.

s2s inaurance, eric rahn, weed banking, cannabis related business, cannabis insurance specialists, marijuana insuranceThe risk for the banking institutions is clear, frozen assets or seized assets both equal lost money. There is no insurance policy that can protect a bank if they are charged with federal crimes. The banks are protecting themselves by not working with cannabis business owners or cannabis related businesses. So how do cannabis related businesses protect themselves and from what exactly? While piles of cash seems like a good thing, the reality is that this creates a major liability and risk factor for business owners. As the money grows, storage becomes a problem. Where do you put large stacks of highly valuable and flammable currency? How do you transport it? And, how do you protect your business from would be thieves who know you have large amounts of cash on hand?

There are steps you can take logistically, such as large safes, special storage facilities, armored vehicle transport, and accounting teams designated for counting cash and keeping track of where the money physically is located. All this is very costly, but even with all this your business could easily become a target for a robbery. Your business could be targeted during business hours, after hours, or while the cash is in transport. As a cannabis business owner you should protect yourself, your team, and your business by working with the cannabis insurance specialists at S2S Insurance to properly assess your risk and develop a risk management profile. From Eric Rahn of S2S Insurance, “your cannabis business can’t afford to not have cannabis insurance.”

read more at forbes.com

S2S Insurance Mitigating The Risk of Stolen Cannabis Cargo

Every industry that requires some form of cargo to be moved from one place to another, relies on ground shipping. Whether you’re selling clothing, dairy, steel, or cannabis, your products have to travel from a source point to a retail point. At S2S Insurance we recognize the risks associated with shipping cargo and our goal is to help cannabis business owners manage the risk of stolen cannabis cargo. Cargo theft impacts the trucking industry, retailers, insurers and law enforcement and also directly impacts the economy. Having a cargo/transportation/warehouse insurance policy in place allows cannabis business owners to mitigate the risk. This specific policy is geared toward protecting business owners if a shipment is stolen or damaged or if someone is injured during the process of transportation, by paying for damages that arise from the incident.

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Much of the theft that occurs is conducted by organized crime rings that use bribes and other tactics to infiltrate supply chains. The groups organize and arrange for buyers once the goods are stolen so they can be transferred quickly and converted into cash or possibly other resources the thieves find valuable. There is a market for everything from building supplies, to electronics, and cannabis. Cannabis products have a specific appeal because the products have high value on both the legal traditional market, and of course the illicit black market. Cannabis and marijuana related products can be repackaged and sold in a short amount of time making this type of cargo a likely target for thieves and organized crime groups.

Cornell explains that some fleets don’t report theft, especially in cases where only a few pallets of goods disappear, something that he says is called “pilfered goods” and has been growing in the past year. From 2014 to 2016, thieves were focusing on “strategic thefts” of cargo. Cornell says this is most commonly seen with fictitious pickups and identify theft. In the past year, though, enforcement personnel have made ground in this regard and thieves have again shifted their tactics.

“Now we’re seeing more of a revision back to straight cargo theft,” Cornell says, where thieves follow tractor-trailers and pilfer the goods. In this case, the thieves simply open the back doors and unload a few boxes or pallets at a time.

s2s insurance, cannabis business insurance, stolen cannabis cargo, weed insurance, who insures the weed industryAt S2S Insurance we take a comprehensive approach to risk assessment when working with our clients. While a cannabis business owner’s main focus may be insuring the marijuana dispensary, we will look at the entire supply chain including the dispensary. It is critical that cannabis business owners work with experienced insurance professionals when considering risk management strategies to ensure exposure and risk is limited with the appropriate insurance policies. S2S Insurance can help cannabis business owners with property casualty, workers compensation, cyber defense, product liability, and more. It is also critical to remember that all policies are subject to policy limits and business owners should consult with not only their agent, but also an attorney when making decisions on which policies to choose.

read more at freightwaves.com

S2S Insurance Helping Prevent Big Fines For Cannabis Business Owners

For all cannabis business owners, employee safety must be a priority. Whether you own a factory, a retail shoe store, or a marijuana dispensary, as a business owner it is critical that employees have a safe working environment. Unfortunately, no matter what safety precautions that you may have taken, or rules that are implemented, employees get injured on the job. Injuries can occur in any line of work including the cannabis industry and businesses owners should protect themselves and their investments. At S2S Insurance we work with cannabis businesses to help mitigate risk from employee injuries that occur on the job. We help our clients set up workers compensation policies that pay damages no matter who’s at fault for the accident.

S2S Insurance provides workers compensation insurance coverage for cannabis businesses

S2S Insurance provides workers compensation coverage for cannabis businesses.

In many states employers are required to maintain workers compensation policies. An S2S Insurance agent can walk you through the requirements of your state to help you determine what is required. In states where workers compensation insurance is required, not maintaining proper coverage can result in heavy fines that negatively impact the business’s bottom line. Even if a state does not require workers compensation insurance, business owners should discuss having one with an S2S Insurance agent as a form of risk mitigation. Having a policy that pays damages no matter who is at fault could save a business hundreds of thousands of dollars in some instances.

District Attorney Diana Becton said, “The District Attorney’s Office is committed to protecting the workers of Contra Costa County. Operations like these are an important part of obtaining compliance before an employee finds out the hard way that their employer did not have coverage for a severe injury.”€

“This operation protects employers who are playing by the rules from being undercut by those who don’t,” said California Labor Commissioner Julie A. Su. “We also issued these citations because employees are entitled to workers’ compensation insurance if they are hurt on the job.”

Willful failure to provide the insurance is punishable by substantial fines and misdemeanor criminal prosecution. Employees that do not know whether they are covered can check their employer’s notices board or ask a manager. Labor Code section 3550 requires the employers to post a notice identifying the current insurance at a conspicuous location.

S2S Insurance provides workers compensation insurance

S2S Insurance can help cannabis businesses manage risk

At S2S Insurance we look at your entire business platform and look for ways to limit your exposure to the various risks and pitfalls that can hurt your business. Workers compensation insurance is one of many insurance tools we use to help minimize risk for our clients. Not every product we provide works for every business which is why it is important you work with one of our experienced professionals at S2S Insurance to help you develop a risk mitigation strategy for your business. As always policy limits do apply and it is critical that you review and understand your policy selections with a qualified insurance agent and an attorney. Our goal is to be an asset and an additional resource to every client we work with in the cannabis industry. Whether your business is just starting out or established over some period of years, contact us today for your insurance needs.

read more at workerscompensation.com

Property and Casualty Insurance for Cannabis Dispensaries

Just like any other business there is an absolute need for insurance for cannabis dispensaries. Anytime an individual purchases a new piece of property, one of the first orders of business is getting that property insured. For some forms of property the insurance is required, for others it is optional, but no less important. All forms of insurance are put in place to mitigate risk, including property and casualty insurance.

For those entering the cannabis industry or already established in it, the same principles of risk mitigation still apply. If you own a dispensary or a grow operation it is absolutely imperative that you protect your property against the various perils that pose a threat to your operation.  Property and Casualty insurance in the cannabis industry protects the physical structure of your place of business, but also protects the contents inside including office equipment, computers, inventory, and other items vital to your operation.

BAKERSFIELD, Calif. – Another fire at a marijuana dispensary under investigation. It is the second fire at a marijuana dispensary in the last few days.

The latest happened early Monday morning at the Golden State Hempire Collective in east Bakersfield.

Fire officials haven’t determined the cause but the owners believe the business was set on fire. Employees said someone set the back of the building on fire.

About two and a half miles away, a similar scene Friday morning. The Green Frog Health Center was set on fire by a stolen car that crashed into the building, burning four businesses and causing $250,000 of damage. Fire officials determined it was was arson.

Back at Golden State Hempire, the owners work on plans to rebuild. Damage there is pegged at $60,000. Employees say they hope this trend doesn’t continue.

Property and Casualty Insurance provides insurance to cover property, equipment, and risks from acts of others. In the example above, the damage was caused by suspected arson. As a business owner you cannot predict if a person or group will target your business in this manner, but you can plan against it. P&C insurance protects against common perils such as fire, lightning, explosion, implosion, aircraft damage, riots, strikes and terrorism. Business owners must look to avoid being surprised by unexpected situations  which could result in destroyed inventory and costly damage with no way to recover the loss.

The two fires in the story above caused over $300,000 in damage in the blink of an eye. If the owners of these establishments have the proper insurance for their cannabis dispensaries, they have a greater likelihood to recover and become profitable again. If the owners don’t have insurance and have to pay out of pocket, they may never recover. It is also important to remember that regardless of what type of property and casualty insurance policy you have, coverage limits will apply.  You must read your policy with both your agent and your attorney to determine what your coverage consists of. As a business owner, if you are going to invest your time and money into an endeavor such as a cannabis dispensary, it only makes sense to protect that investment against the unforeseen.

read more at kget.com