Risk Categories
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Low Risk (0–10 points)
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Profile: Minimal cannabis-related activity with proper safety and legal compliance.
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Example: Personal use and limited possession without cultivation or hosting.
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Moderate Risk (11–30 points)
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Profile: Some cannabis-related activity, such as small-scale cultivation or occasional hosting.
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Example: Legal personal use with occasional hosting but no business activity.
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High Risk (31–60 points)
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Profile: Significant cannabis-related activities with potential safety, legal, or liability concerns.
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Example: Home-based cultivation, hosting frequent guests, or minor compliance issues.
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Critical Risk (61+ points)
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Profile: Substantial exposure due to business activities, illegal cultivation, unsafe practices, or prior incidents.
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Example: Operating an unlicensed cannabis business or having significant prior incidents of property damage or liability claims.
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Please submit this form to your insurance representative or advisor to help identify any potential coverage gaps or liabilities. If you have questions regarding this questionnaire, contact us.