Cannabis Beverages · THC Products · Minnesota
Minnesota's THC beverage and infused products market is one of the most active in the country. Manufacturers of cannabis beverages, edibles, and infused products face specific risks — product liability, distribution liability, and commercial exposures that require specialty carriers familiar with this emerging industry.
What's Covered
Minnesota's THC beverage and infused products market is one of the most active in the country. Manufacturers of cannabis beverages, edibles, and infused products face specific risks — product liability, distribution liability, and commercial exposures that require specialty carriers familiar with this emerging industry.
The most critical coverage for any THC beverage or edibles manufacturer. Covers claims that your products caused harm to consumers — from adverse reactions to mislabeling issues. This is your most significant risk exposure.
Covers bodily injury and property damage at your manufacturing facility, at trade events, and in the general course of business. Required by most commercial leases and distribution agreements.
Covers your production facility, equipment, raw materials, packaging, and finished product inventory. Cannabis product inventory has significant per-unit value and needs specialty coverage.
Covers your product while in transit to distributors and retailers. Cannabis product in transit requires specific coverage — standard cargo policies typically exclude it.
If a production shutdown or product recall forces you to stop manufacturing, business income coverage pays continuing expenses while you recover.
Required in Minnesota for any production operation with employees. Manufacturing work carries specific physical risks that make workers comp essential.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
Not every carrier writes this coverage well. We work with specialty markets that understand your situation — and price it accurately.
We compare across multiple A-rated carriers to find coverage that fits your situation, not a one-size-fits-all policy.
From your first quote through every renewal, you work with the same licensed Minnesota producer — not a different rep each time.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Most standard commercial carriers exclude cannabis operations entirely. Specialty markets exist specifically for licensed cannabis businesses in legal states — we work with those markets to get you covered.
State licensing requirements vary by license type, but most Minnesota cannabis licenses require proof of general liability and other coverages. Landlords and financial partners also require proof of insurance.
Pricing is based on your revenue, license type, operations, and the specific coverages you need. Cannabis insurance is more expensive than standard commercial insurance due to limited carrier options — but we compare across available markets to find the most competitive rates.
Some carriers will write coverage before your license is finalized, which may be required for the licensing process itself. Contact us early so we can match you with the right specialty market.
