Federally legal, and the claims are about what you said it does.
Hemp sits in a different legal position from cannabis, and in a different insurance market. We write growers, processors and CBD brands ahead of the federal definition that narrows sharply on 11 December 2026.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What hemp and CBD business businesses actually need.
General liability
Injury and damage at the premises: retail floor, extraction or processing space, and anyone you let through the door.
Without it — The base every lease and every distributor agreement asks for, and the form that carries a product exclusion worth reading in this sector.
Product liability
Injury or reaction from an ingested or topical product.
Without it — CBD is sold as a consumable and is regulated as one.
Advertising and health claims
Claims arising from what the label and marketing said the product does.
Without it — The dominant claim type in CBD, and narrower on a standard policy than brands assume.
Crop
The growing crop, including the risk of a THC test above the legal threshold.
Without it — A crop testing "hot" must be destroyed and the loss is total.
Product recall
Withdrawal for contamination, mislabelling or a failed potency test.
Without it — Excluded from liability, and testing failures are the common trigger.
Property and processing
Drying, extraction and processing equipment, and stock.
Without it — Solvent extraction is a serious fire exposure underwriters ask about.
Crime and social engineering
Stock that is small, valuable and easy to pocket, plus the supplier payment redirected by a convincing email.
Without it — A payment sent on a spoofed instruction is not theft your property policy recognizes. Social engineering has to be named on the crime coverage.
Group health and benefits
Extraction and processing staff you spent months training on your equipment.
Without it — The people who know your process are the hardest to replace, and a competitor two states over is hiring.
What our hemp and CBD business clients ask us.
Is hemp treated differently from cannabis?
Substantially, and it is why this is a separate page, but the standard is about to change and the change is the most important thing on this page. The 2018 Farm Bill removed hemp, meaning cannabis containing no more than 0.3% delta-9 THC on a dry weight basis — from the Controlled Substances Act, making it an ordinary agricultural commodity federally, with access to markets and federal crop insurance that cannabis has no equivalent of.
What is the "hot crop" risk?
A hemp crop that tests above the THC threshold at harvest stops being hemp and must be destroyed. That is a total loss driven by weather, genetics and timing rather than by anything obviously insurable, and it is the risk growers most often ask about. Some crop policies address it and many do not, so ask specifically rather than assuming a crop policy covers the way this crop actually fails.
Why are marketing claims the main exposure?
Because the FDA has not approved CBD as a food additive or dietary supplement, and enforcement and private litigation have concentrated on health and efficacy claims rather than on injury. Suits over what a product was said to treat, and class actions over potency not matching the label, outnumber injury claims considerably. A general liability policy’s personal and advertising injury grant is aimed at defamation and infringement, not at whether the product works, so read that gap carefully and get the marketing copy reviewed against your actual substantiation.
Can we get ordinary admitted coverage?
More readily than cannabis, and not universally. Because hemp is federally lawful, some admitted markets will write it, but many still decline anything CBD-adjacent, and the answer often turns on what you actually do: growing and processing places more easily than consumer brands making health claims. It is worth quoting both admitted and surplus lines rather than assuming the class forces you into one.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.