COMMERCIAL GENERAL LIABILITY

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Daniela Fowler
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1 $1,000,000 / $1,000,000 $1,000,000 / $2,000,000 $2,000,000 / $2,000,000 COMMERCIAL GENERAL LIABILITY $0 (must have prior coverage) ENDORSEMENTS: Pesticide & Herbicide Applicators (WA) o $50,000 Occurrence/Aggregate o $250,000 Occurrence/Aggregate HNOA Endorsement $1,000,000 Additional Insured Certificates Vendor Certificates Waiver of Subrogation Primary Wording Occurrence Form (CG-ISO) Duty to Defend $0 deductible options for renewing IICH policies. Waivers of Subrogation Primary & Non-Contributory Wording Minimum Premium $ Cultivation (Indoor, Outdoor, and Greenhouses) 3 rd Party Processors/Harvesters Wholesale/Distributors Management Offices Landlords LRO Smoke Shops Garden/Hydroponics Stores

2 COMMERCIAL PROPERTY Coverage limits up to $10,000,000 Per location (Combined Property and Crop TIV $10MM per location) o Real Property o Business Personal Property o Cannabis Inventory $0 $50,000 ENDORSEMENTS: Commercial Property Endorsement Premiums o Form A $ o Form B $ o Form C $1, Commercial Property Endorsement Coverage Summary o Accounts Receivable o Employee Dishonesty o Money & Securities o Property in Transit o Property Off-Premises o Spoilage o Valuable Papers and Records o Outdoor Property (Fencing, Signs) o Outdoor Property (Trees, Shrubs, *Plants) o Personal Effects of Others Loss Payee Commercial property ISO forms Minimum premium $ No sublimit for cannabis inventory when on the premises Outdoor business personal property is approved No maximum number of locations Cultivation (Indoor, Outdoor and Greenhouses) 3 rd Party Processors/Harvesters Wholesale/Distributors Management Offices Landlords LRO Smoke Shops Garden/Hydroponics Stores

3 COMMERCIAL CROP Coverage limits up to $10,000,000 per location Combined property and crop TIV $10MM per location o Seeds o Seedlings/Clones o Vegetative Plants o Flowering Plants o Harvested Plants o Finished Stock $25,000 ENDORSEMENTS: None at this time Minimum Premium $ No sublimit on seeds, seedlings, indoor living plants, harvested material and finished stock. Crop coverages extends when the seeds, seedlings, living plants, harvested and/or finished stock is located in an approved and scheduled building and/or greenhouse. Any seeds, seedlings, living plants, harvested and/or finished-stock that is located in an unapproved building and/or greenhouse, or located outdoors will be excluded from crop coverage. Cultivation Operations o Cannabis, Hemp, and CBD Indoor and Greenhouse Approved for: o Medicinal o Recreational

4 $1,000,000 / $1,000,000 $2,000,000 / $2,000,000 $3,000,000 / $3,000,000 $4,000,000 / $4,000,000 COMMERCIAL EXCESS LIABILITY NOTES: Excess limits currently do not extend over Product Liability or any other policy apart from the General Liability policy offered by International Insurance Company of Hannover SE Excess does not extend over HNOA endorsement Minimum Premium $1, Coverage limits up to $4MM over the primary GL limits Coverage is provided by the same General Liability carrier for consistency Cultivation (Indoor, Outdoor, and Greenhouses) 3 rd Party Processors/Harvesters Wholesale/Distributors Management Offices Landlords LRO Smoke Shops Garden / Hydroponics Stores

5 COMMERCIAL PRODUCT LIABILITY $100,000/S100,000 Aggregate $1,000,000/$1,000,000 Aggregate $1,000,000/$2,000,000 Aggregate $3,000,000 CSL $5,000,000 CSL $5,000 $25,000 ENDORSEMENTS Retro Active Date (up to 5 years) Additional Insured Endorsements Available Waiver of Subrogation No Charge Primary Wording No Charge Vendor AI Certificates o $100 Each o $250 Blanket Commercial Product Withdrawal Coverage Options: $100,000 Aggregate $250,000 Aggregate Deductible Options: $1,000 (only offered on $100,000 limits) $5,000 $25,000 Covered Products o Scheduled Cannabis, Hemp, and CBD Products o Non-Cannabis, Hemp, and CBD Products (i.e. Equipment - Manufacturers) Duty to Defend O Defense Outside Limits (available upon request) Product Withdrawal Reimbursement of Expense (Endorsement is Required) No Charge for Waivers of Subrogation or Primary Wording Minimum Premium - Medical $1,000 Minimum Premium - Recreational $1,750 Minimum Premium Manufacturers and Outdoor $2,500 Cultivation (Indoor, Outdoor, and Greenhouses)

Cannabis Workers Compensation Program PROGRAM HIGHLIGHTS Min $2,500 Premium All Legalized Marijuana States New Venture/New Hire Accepted Mid-term Moves Accepted EPLI is available A+ Rated Carriers

6 Cannabis Workers Compensation Program PROGRAM HIGHLIGHTS Min $2,500 Premium All Legalized Marijuana States New Venture/New Hire Accepted Mid-term Moves Accepted EPLI is available A+ Rated Carriers Guaranteed Cost Available 4 Payment Options (Includes EFT Option) Available CLASSES AVAILABLE Indoor/Outdoor Growers 0035 Bakery 2003 Analytical Operations, Assaying 4511 Drug, Medicine or Pharmaceutical Prep Compounding (No MFG of Ingredients) 4611 Drug, Medicine or Pharmaceutical MFG Includes MFG of Ingredients 4825 Food Sundries MFG NOC 6504 Store Wholesale NOC 8018 Store Retail NOC/Delivery 8017 Salesperson Outside 8742 Clerical Office 8810 APPLICATION Acord 130 CV Loss Runs (if Applicable) 5 Years WC Supplemental State Issued Cannabis Permit or Business License List of Commonly Owned Entities Drivers List & MVR s Required (Delivery Only) APPROVED RISKS Cannabis, Hemp, and CBD Cultivation Operations Manufacturing/Processing Operations Dispensary/Retail Operations Cannabis Delivery Operations Laboratory Operations

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PDF Created with deskpdf TS PDF Writer - DEMO :: Legal Business Name: Mailing address: TYPE #1: Corporation Partnership LLC Individual other TYPE #2: Non-Profit Not for Profit For Profit other USE: Recreational Medicinal Both No cannabis sales other