Hedge/Business classes/Cannabis & hemp/Products Liability
Class and coverage guide

Products Liability for Cannabis & hemp.

Direct answer. Products Liability is included in Hedge's published target coverage for Cannabis & hemp under the line Product Liability, with a published target of $1M / $2M. The current public class status is review case by case. Hedge must confirm current fit, route, and available terms after reviewing the real account.

Public class statusReview case by case
Published target$1M / $2M
Reviewed2026-08-24
Coverage context

What this coverage question means.

Products liability commonly addresses claims alleging bodily injury or property damage caused by a product, subject to policy terms and exclusions. Product type, end use, distribution, warnings, quality controls, contractual allocation, recall exposure, foreign sales, and loss history can materially change the placement.

Class context. Licensed dispensaries, cultivators, and CBD retailers in legal states. Manufacturing reviewed individually.

Terms depend on the policy and account

This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.

Underwriting facts

What changes the answer.

  • State license + license type
  • Operation type (retail, cultivation, manufacturing, lab)
  • Security plan (cameras, vault, alarm)
  • Cash handling protocol
  • Distribution partners

Conditions that need closer review

  • Extraction / concentrate manufacturing
  • Edible / infused product manufacturing
  • Delivery operations
  • Unlicensed operations
  • Federal-land or interstate transport
  • Vape device manufacturing
Stronger starting profile

Controls and facts to surface.

  • Licensed retail dispensary
  • Indoor cultivation in compliant facility
  • CBD retail (hemp-derived)
Hedge forms

Useful class-specific preparation resources.

These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.

Products and manufacturing

Hedge Products Liability Supplemental

A fillable Hedge supplemental for product manufacturers, importers, distributors, and sellers.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
Standard form references

Common commercial form sections to understand.

Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.

ACORD 125

Commercial Insurance Application Applicant Information Section

The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.

Read form guide →
ACORD 126

Commercial General Liability Section

The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.

Read form guide →
State detail

Published class-specific state notes.

CA / In current public appetite

Cannabis & hemp in CA

Licensed adult-use and medical operators.

Open state appetite →
FL / Review case by case

Cannabis & hemp in FL

Medical / hemp-CBD only; recreational not legal.

Open state appetite →
Next step

Build the account before choosing a route.

Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.

Submission requirementsFull coverage guideSubmit for Hedge review