Cannabis Workers' Compensation Insurance

Policies for manufacturing, dispensaries and retail stores

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Why do Cannabis Workers need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Common Cannabis workers injuries

‍Cuts and hand strains: from cannabis cultivation (harvesting plants)‍
Repetitive injuries: from rolling and trimming tables‍
Burns and cuts: from extracting essence for processed products‍
Heat stress: especially when working in a greenhouse‍
Exposure to harmful substances: such as cannabis dust, mold, pesticides, and fertilizers
Motor vehicle accidents

Common types of cannabis workers we can insure

Cultivators

Manufacturing

Processors/Harvesters

Retail Dispensaries

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

Protect your workers!

Cannabis and medical marijuana is an exciting industry in the midst of rapid growth, but there's a lot of hands-on specialized labor involved in the growing and cultivation process.

From growing and harvesting the plants in the green houses to extracting the oils in production, a lot of specialized labor, knowledge and skill are required.

Like all other processes involving machinery, accidents can happen, which means cannabis and insurance go hand in hand. Make sure your workers are protected with workers' comp insurance for your cannabis company.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Cannabis workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will cannabis Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Cannabis Workers cost?

Workers' compensation insurance for cannabis workers costs $0.88 per $100 of payroll, plus taxes and fees.

For more detailed information on how much workers' compensation insurance will cost for your cannabis business, read Workers’ Comp Rates for Cannabis Workers 2024.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Cannabis

Here are the main categories for classifying injuries in the cannabis industry. For more details, visit our guide, Workers’ Comp Class Codes for Cannabis Workers.

0035 - Cannabis Cultivating/Farming

4825 - Processing of Cannabis into CBD Oil or Products

8045 - Cannabis Dispensary - Retail

8047 - Cannabis Dispensary - Wholesale

8832 - Medical Cannabis/Marijuana

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Cannabis Workers?
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Helpful tips to save money

Choosing cannabis company insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our cannabis Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A cannabis Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how cannabis business owners can save money on their workers' compensation insurance.

FAQ's on Workers' Comp for Cannabis Workers

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

We grow and cultivate cannabis. Occasionally, our employees also deliver our product to local dispensaries. Are our drivers included in our workers compensation policy?

Yes. However it is important that the underwriters are aware that employees do sometimes make these deliveries.

Are my security guards included in my workers' compensation policy?

Yes, they are included, but they need to be properly classified under code 7720.

State laws on Workers' Comp for Cannabis Workers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Need other types of insurance for Cannabis Workers?

Yes, we can help with that too!

Learn more about cannabis Insurance

a cannabis business owner saving money for workers comp

Reduce your Cannabis Workers’ Comp Insurance Costs

Workers’ Comp Rates for Cannabis Workers

Cannabis Workers’ Comp Class Codes: A Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers comp for cannabis insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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Get Workers’ Compensation for your Cannabis company today!

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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