For more on this part of the insurance industry:
Insurance for cannabis professionals is specialist cover designed for people and businesses working in the legal cannabis sector.
These people deal with medical cannabis, CBD wellness products, and related services that come with strict rules and risks.
Cannabis professionals insurance protects against a range of issues, such as:
These medicines are tightly regulated in the UK. CBD products must follow the Misuse of Drugs rule and Food Standards Agency (FSA) regulations.
This is why insurance matters because even small errors or legal gaps can lead to large costs or lost licences.
As logistics firms enter the medicinal cannabis space, brokers are seeing more demand for goods-in-transit and courier liability cover.
More clinics are opening across the UK which can increase the need for medical malpractice and professional indemnity (PI) insurance.
Prescriptions are also being filled by high-street pharmacies which can lead to shared liability and the need for pharmacy-specific policies. But brokers must also assess various hazards in the industry, such as:
Some cannabis retailers may lose cover if they don’t tell landlords how the space is used. Clinics using AI for treatment also risk claims if things go wrong.
These are the usual types of insurance cover used by cannabis professionals in the UK:
Cover needs will vary by role, so brokers should match policies to each client’s work and risks.
PI insurance is not a legal requirement, but it’s highly recommended for anyone working in cannabis or CBD services.
Many standard insurance policies don’t include cannabis-related work unless it's clearly stated. That’s why cannabis professionals insurance should be tailored to the job.
Those who must have this insurance include:
Having a personalised cannabis professionals insurance cover can safeguard against legal costs, product claims, or compliance issues that general policies often exclude.
The cannabis industry offers lucrative career opportunities. Here are the top three highest-paying positions:
These roles carry more risk, so cannabis professionals insurance is often a must.
Having a legal prescription for medical cannabis does not mean someone can be fired straight away. But if the medicine affects work performance or breaches company policy, there could be consequences.
Each employer sets their own drug and safety rules, especially in jobs that involve driving or machinery.
No law requires anyone to tell their employer. But being honest can help avoid confusion or clarify issues at work.
Some jobs may need full disclosure, especially if safety is involved. Not saying anything could affect support or insurance rights.
Yes, a person can legally drive if they are taking prescribed cannabis and they are not impaired. But they must follow the dosage and avoid driving while unfit.
Police can still stop and test drivers if they seem unsafe or over the limit. If a crash happens, insurance claims may be denied if the driver is found unfit or over the legal THC level.
