Texas Cannabis Insurance

Cannabis, hemp, and CBD insurance produced for the state of Texas.

Tailoring Texas cannabis insurance needs for hemp farmers, medical marijuana distributors, CBD topical producers, and the like.

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Are you a cannabis producer, hemp grower, CBD retailer, or medical marijuana shop owner in Texas? Then you probably already know that out of all the states where cannabis is currently legal, Texas has some of the strictest marijuana use laws. They are also one of the states that makes the most amendments and changes in regulations regarding cannabis.

Texas and the legalization of cannabis.

As of 2021, recreational marijuana is not legal in Texas, but there have been some legalizations in the field of hemp and medical cannabis. In 2015, the Texas Compassion Use Act was passed, allowing the use of low-THC cannabis oil for medicinal treatment for conditions like epilepsy. A few years later in 2019, Texas state governor passed House Bill 1325 that legalized the cultivation of industrial hemp. Even though recreational use is still not legal, 2019 did make some cannabis-positive advancements when the House of Representatives approved House Bill 63, which allowed for reduced penalties for cannabis related arrests.

Some new bills have come along in recent years for Texas, such as ones that expanded the THC limit and increased the medical disabilities that are able to qualify someone for a marijuana medical card. Like other states in the US, Texas is working towards expanding new laws, products, and legal methods. All that change can get tiresome to keep up with when you are a busy business owner. Insurance helps protect your business. Let Mosaic Insurance help you get the commercial insurance that you need to abide by state laws and help protect the business that you worked so hard to build.

Ensuring your success with the Texas cannabis industry

As a cannabis company owner, you need to be constantly in the loop on the new laws and regulations of your state. An independent insurance agent can be a great resource to have in your corner. Insurance brokers can help you abide by state laws, get the insurance that you need from the start, and be there ready to help you if laws change.

Mosaic Insurance Alliance knows how to handle change in the cannabis world. Our home office is in Washington—one of the first states to legalize medical and recreational marijuana. We have a fully developed cannabis department that has been specializing in writing cannabis insurance policies since 2012. Different state regulations are also well-known to our team, given that we write marijuana insurance in 9 states. We are also a business member of the MJBA, allowing us to continuously meet with leaders of the medical and recreational marijuana industry and share coverage options from different insurance companies.

Our knowledge, experience, and interaction in the cannabis industry helps you and other business owners know and understand cannabis coverage options. Insurance is a complex topic that changes throughout the years, so we know what to do to help you stay protected while you expand and go through your own changes.

Types of cannabis business insurance in Texas.

Mosaic can provide you with general liability and product liability, as well as other coverages for your different business needs, such as:

  • Marijuana Crops
  • Finished Stock
  • Governmental Action
  • Equipment Breakdown
  • Indoor Growing Equipment
  • Outdoor Grow Equipment
  • Business Income
  • Transit / Cargo Coverage
  • Tenant Improvements
  • Commercial Auto / Delivery Vehicle
Marijuana retail insurance.

Marijuana stores and retailers need to take thorough security measures to help ensure the stability of their company. State-of-the-art equipment and tried-and-true methods are the bread and butter for many successful cannabis businesses—stable business insurance helps protect those investments.

Marijuana grower insurance.

Mosaic Insurance knows that producers are different from retailers. We know that plants are expensive and have a high value. We also know that they can make or break a business. Just like how the risks are different for indoor or outdoor marijuana plants, each business model has their own risks. Customization and tailoring coverage to fit your needs is what Mosaic Insurance Alliance is all about. Let us determine the right coverages for you based on your specific operation and the risks that come with it.

Business income insurance or business interruption coverage.

Even though we would like business to always go smoothly, that is definitely not the case. Business income insurance, also known as business interruption coverage, helps protect your company if it gets interrupted for various reasons and you can’t grow, harvest, or distribute. A halt in your process(es) can cut off income significantly or even entirely. Losing funds can mean having to layoff employees as well as your business going under. We care about you and your company—we do not want to see that happen. That is why we recommend comprehensive business income insurance for all marijuana growers, producers, and sellers. We are ready to help you with this coverage! Reach out to us.

Marijuana processor (also known as manufacturer insurance).

Every company faces risks—whether you have one task like processing, or you perform multiple tasks and functions like manufacturing and retail. Almost every marijuana business needs general liability and product liability insurance. The choice is up to decide if you want something like a $1 million policy to get you started, or a more extensive policy for security as your business grows. Mosaic will review your needs and help you determine the amount of protection you need. Factors like daily functions and your expansion level help determine protection amounts. Mosaic is ready to help you determine the coverages that are right for your business.

Helping you buy top-notch cannabis insurance in Texas.

The cannabis insurance agents at Mosaic Insurance Alliance will help you manage risk. We are here to assist you in the purchasing process and answer any questions that you might have. We will help you get the coverage that you need for your Texas cannabis business so that you are free to expand your company as you see fit.

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