EXECUTIVE SUMMARY. Insurance & Risk Management for the Cannabis Industry
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2 EXECUTIVE SUMMARY Insurance & Risk Management for the Cannabis Industry
3 Strategic Risk Management Cannassure Insurance Services, LLC is exclusively dedicated to the Cannabis Industry. We pride ourselves on delivering leading-edge product and service solutions that protect business owner s assets as well as mitigate risks inherent in the business. The following executive summary of our risk management presentation touches on key considerations pertaining to Insurance and Risk Management practices that can ensure profitable and sustainable business success.
4 Strategic Risk Management Definition: A strategic, well planned and executed management process designed to protect an organization s assets through: Identification and analysis of exposures Strategies to control those exposures Financing of losses with external and internal funds Administration of the Risk Management process
5 Strategic Risk Management - Imperatives Risk Management is more than just about buying insurance, its about preserving your assets and protecting your business s future Must be integrated into all business Management functions The benefits stabilize business performance and serves to mitigate exposure incidents It s a journey not a destination
6 Crime and Security Imperatives: - Controlled access to the business - Perform criminal background checks before hiring - Train all employees in security measures both on and off the job - Invest in security system/cameras in key areas - Separate cash and product vaults; monitor - Separate high risk responsibilities
7 Product Liability Imperatives: Product tracking protocol 90 day batch retention protocol 3 rd Party vendor required to provide Proof of Insurance Use 3 rd party testing of product to certify quality and free of other contaminants Preventative Use Packaging methods Product labeling best practices
8 Workers Compensation Imperatives: Hire responsibly Know your state s rules and regulations Develop a safety culture Be prepared for the unexpected
9 Cash Management Imperatives: Minimal cash on site Use armored car service to transport cash Use time drop box for storage of cash on site Safe locked at all times and monitored by camera Leverage insurance riders for adequate coverage for cash on-site
10 Auto Liability Imperatives: Require MVR s for all drivers with annual updates Whenever possible, use company owned/leased vehicles Require all drivers to successfully complete a defensive driving course Draft a written policy on the use of company or personal vehicles for business purposes
11 Regulatory Compliance Imperatives: Know your local, state and federal rules and regulations Properly document your process of compliance Seek guidance from your insurance agent, claims professionals, and attorneys when necessary Self-audit periodically to ensure compliance is practiced
12 Business Continuity & Interruption Imperatives: Document inventory, cash on-site, sales and wholesale value Growers need to document growth cycle Develop a comprehensive disaster recovery loss for loss of power, water and other vital business operations Develop a plan for interruption of supplier networks
13 Risk Management = Good Business Management Key Imperatives: Do your homework Design risk management into every function Transfer risk when a potential loss poses a threat to your business but know what you are purchasing Communicate, educate, support and encourage Measure, monitor and celebrate successes
14 Contact Us To learn more about our leading-edge Insurance and Risk Management insights tailored exclusively for the MMJ industry, please contact: Patrick C. McManamon p f e. w. cannassure.com
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