Cannabis Processing · MIP · Minnesota
Cannabis processors and MIP (Marijuana Infused Product) manufacturers face heightened insurance challenges — extraction equipment is expensive, product liability risk is significant, and most standard commercial carriers won't write the business. We place coverage with specialty markets that understand cannabis manufacturing.
What's Covered
Cannabis processors and MIP (Marijuana Infused Product) manufacturers face heightened insurance challenges — extraction equipment is expensive, product liability risk is significant, and most standard commercial carriers won't write the business. We place coverage with specialty markets that understand cannabis manufacturing.
Covers claims that processed cannabis products you manufactured caused harm to consumers. MIP manufacturers have significant downstream liability as the last handler before products reach consumers.
Covers your processing facility, extraction equipment, lab equipment, and finished inventory. Extraction equipment is expensive and requires specialty coverage.
Extraction and processing equipment is complex and expensive to repair. Equipment breakdown coverage pays for repairs and resulting business interruption when key equipment fails.
Covers third-party bodily injury and property damage at your processing facility. Required by state licensing and commercial leases.
If your processing facility is shut down by a covered loss, business income coverage pays continuing expenses — critical when client supply agreements depend on your output.
Required in Minnesota for any processing operation with employees. Chemical handling and extraction work carry specific safety risks.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
Not every carrier writes this coverage well. We work with specialty markets that understand your situation — and price it accurately.
We compare across multiple A-rated carriers to find coverage that fits your situation, not a one-size-fits-all policy.
From your first quote through every renewal, you work with the same licensed Minnesota producer — not a different rep each time.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Most standard commercial carriers exclude cannabis operations entirely. Specialty markets exist specifically for licensed cannabis businesses in legal states — we work with those markets to get you covered.
State licensing requirements vary by license type, but most Minnesota cannabis licenses require proof of general liability and other coverages. Landlords and financial partners also require proof of insurance.
Pricing is based on your revenue, license type, operations, and the specific coverages you need. Cannabis insurance is more expensive than standard commercial insurance due to limited carrier options — but we compare across available markets to find the most competitive rates.
Some carriers will write coverage before your license is finalized, which may be required for the licensing process itself. Contact us early so we can match you with the right specialty market.
