7 Most Common Claims with Cannabis Crop Insurance Coverage

Although it’s been difficult to procure, the legalization of cannabis in many states has made crop insurance much simpler for businesses and growers to attain. Granted, unlike other crops, cannabis comes with versatility in its growing environment and method. You can grow in the ground, in pots, in greenhouses, indoors, or out. 

Essentially, your claim limit will be determined by the type of growing method you use. It’s important to work with a credible insurance service that can help you out and clear out which claims you can make. Here are some common claim examples when it comes to cannabis crop insurance coverage.

1) Natural Disasters

Whether you’re growing indoors or not, coverage for all of the elements is ideal. One of the most common claims that cannabis growers have experienced with natural disasters is the direct result of hail. Hail can destroy your plants completely and wipe out your entire supply, which can be devastating if you’re not prepared for it with the right coverage.

2) Sudden Fires

Another common claim that cannabis growers face is the sudden fire in their greenhouse or drying room. These types of claims are possible through crop insurance and can shoulder some of your financial losses for losing the plants. Whatever damage had remained after may also be covered depending on the terms of your insurance coverage.

3) Water Leaks

Sprinkler and water leaks can destroy your plants. That’s why it’s significant to have a good insurance policy in order to help you get back on your feet. Although the cost of the claim may vary depending on the size of your damage and the type of crop you’re growing, water damage claims can potentially be covered by your crop insurance policy.

4) Climate Change

Similar to natural disasters, constant and unpredictable climate change can also cause you to lose your crop. If your plants are not strong enough to withstand the harsh conditions, they may not be able to survive. It’s essential to have a reputable insurance policy to help you out in such a case.

5) Growing Mold

Mold can be devastating. Not only can mold cause your crop to lose its value, but it can also make you and others sick. If you have crop insurance, it may be able to cover some of the expenses that you have incurred while trying to get rid of the mold, but it will mainly cover the cost of the crop loss.

6) Theft

If someone is stealing your plants, it can be bad trouble. Whether it’s a human or animal, if you’re missing your cannabis plants, consider making a claim. It’s important that you notify your insurance agency if you’re certain that your plants have been stolen. It’s important to have a solid policy on your side.

7) Fertilization

For the most part, your crop insurance policy can cover overfertilization for your plants. However, if you are lacking micronutrients for the plants, your crops may not be taking off as you had hoped. It’s important to look at the policy and research a bit more before you decide to make a claim.


Cannabis is no exception when it comes to having crop insurance coverage. Although it’s not something that you’ll find on the surface of your local insurance office, the crop insurance market is a great way to get financial protection.

Looking for a crop insurance service? Crop Insurance Services by AMS proudly provides risk management solutions for America’s farmers, ranchers, and producers. Get in touch with us today!

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