Cannabis
Coverage that can grow with your business.
Built for How Cannabis Actually Operates
Cannabis businesses operate under constant regulatory pressure, limited insurance options, and evolving compliance requirements. From licensing and security to product liability, payroll volatility, cash handling, and employee benefits, risk in cannabis is layered - and it changes quickly as businesses grow, expand across states, or move vertically within the ecosystem.
AccessWave partners with cannabis operators across the entire supply chain - cultivators, manufacturers, distributors, wholesalers, and retail dispensaries - to design insurance and benefits programs that align with how cannabis businesses actually operate today, not how traditional insurance markets assume they should.
A Focused Cannabis Practice
AccessWave’s cannabis practice is led by Ryan Williams, who has worked with cannabis businesses of all sizes across the country and across every stage of the seed-to-sale ecosystem. His role focuses on helping operators navigate a complex insurance landscape shaped by regulation, evolving retail delivery models, and limited carrier appetite.
This focused approach allows AccessWave to bring consistency, market context, and practical guidance to cannabis businesses operating in an environment where insurance solutions are often constrained or misaligned.
Compliance-Driven Value Creation
AccessWave is the exclusive insurance broker partner of Green Check, the leading provider of software solutions for financial and business services in the cannabis industry. Through this relationship, we leverage compliance intelligence and anonymized industry data to support stronger underwriting submissions, more productive carrier conversations, and better long-term insurance outcomes for cannabis operators.
In an industry where compliance posture directly impacts insurability, aligning insurance strategy with regulatory awareness creates meaningful value.
Risk & Insurance Strategy
We design and manage insurance programs that address the most common and most impactful cannabis risks, including:
- General liability and product liability for cannabis-touching operations
- Property coverage for cultivation, processing, manufacturing, and retail locations
- Crop insurance designed to address plant loss and cultivation-specific exposure
- Workers’ compensation aligned with cultivation labor, manufacturing operations, and retail staffing
- Commercial auto coverage for non-retail operations such as cultivation, manufacturing, distribution, and wholesale transportation using company-owned vehicles
- Delivery-related coverage for retail cannabis deliveries, including employee or third-party drivers using personal vehicles, e-bikes, e-scooters, or similar delivery methods
- Employment practices liability (EPLI) for regulated, people-driven workforces
- Umbrella and excess liability structured to satisfy investor, landlord, and contractual requirements
Benefits & Workforce Strategy
We help cannabis businesses attract and retain talent while maintaining cost discipline and regulatory alignment:
- Medical, dental, vision, and ancillary benefits designed for retention and scalability
- Compliant plan designs aligned with ACA requirements and state labor mandates
- Executive and key-employee benefits for founders and leadership teams
A Broker That Operates Like a Partner
AccessWave operates as an extension of your team - proactive, responsive, and engaged year-round, not just at renewal. We help cannabis businesses anticipate risk, adapt coverage as operations evolve, and make informed decisions that support growth without unnecessary exposure.
We work with cannabis companies of all sizes, across all stages of growth, and throughout the full seed-to-sale ecosystem - bringing clarity and confidence to an otherwise complex insurance landscape.
