Cannabis Property Coverage Created to Prevent and Cover Exposures

Property Coverage Made Specifically for Cannabis

TRICHOME products are designed to protect cannabis businesses in the event of exposure. The purpose of property insurance and casualty insurance is to protect businesses’ real and business property. Property insurance covers things like the business owner’s home or car. A casualty insurance policy includes liability coverage to help protect individuals if the cannabis business is found legally responsible for an accident that causes injuries to another person or damage to another person’s belongings.

Property-casualty insurance covers real property and business property. Our policies include coverage for the building, business property, and loss of business income. TRICHOME policies protect the business’s real property and personal property, including the finished crop for sale and anything else in the building essential to operations.

Since cannabis regulations are historically undefined, businesses can have gaps in coverage if the insurers don’t thoroughly understand the business model. TRICHOME exists for the sustainability of the cannabis industry by delivering fairly priced and sustainable insurance products and coverages to cannabis businesses by employing an innovative captive-based model that maximizes risk management education, support, and expertise.

Learn about the TRICHOME™ Model

property casualty Benefits for cannabis businesses


Coverage designed specifically for cannabis businesses to cover their real property and business personal property

Finished Stock and Plant Coverage

Protects businesses from exposures that would otherwise cost millions of dollars to cover.

Property Capacity up yo $10 Million per risk

Product add-on's available: Equipment Breakdown Coverage, Property Enhancement Coverage

Other insurance companies that offer cannabis property-casualty policies include exclusions buried in the fine print leaving cannabis businesses exposed to gaps in coverages. At TRICHOME, the property-casualty policies offer coverages specifically made for cannabis.

Cannabis Property Coverage Add-ons

Property Enhancement Coverage

Property Enhancement Sub Coverages & Limits

  • Pollutant Clean-up & Removal
  • Electronic Data Processing Equipment (Including Extra Expense, Software, & Transit)
  • Refrigerated Goods Spoilage
  • Fire Protection Device Recharge
  • Money And Securities
  • Employee Theft
  • Money Orders & Counterfeit Money
  • Sewer Backup, Overflow or Discharge (Not Flood-Related)
  • Emergency Vacating Expenses
  • Signs

Equipment Breakdown Coverage

Multiple-Property Coverage

Cannabis Property That Covers You

The TRICHOME™ Process

TRICHOME™ is a captive insurance company for the entire cannabis vertical endorsed by the National Cannabis Risk Management Association (NCRMA) to support its members. Only NCRMA members can access TRICHOME’s cannabis insurance products offered and, as a result, benefit from more accurately priced premiums through the implementation of cannabis education, support, and expertise provided through the NCRMA membership. Because the TRICHOME™ products only cover risk-conscious businesses, losses occur less frequently with lower severity, which may result in lower premium charges for all members.

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Other Product Offerings for Cannabis Businesses