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Workers’ Compensation insurance is very important for a Cannabis business owner.
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Why do I need workers compensation insurance?

employee in hairnet and gloves tending to cannabis plants Depending on the state, cannabis companies are bound by specific obligations designed to protect their employees if they are hurt on the job. They’re not alone. Every industry has to deal with requirements like this!
The states go about enforcing this idea in different ways but most require employers to purchase an insurance policy that can help a worker who is hurt on the job and can’t perform anymore. Many states also set minimum insurance limits that cover the cost of lawsuits from employees following a workplace injury (aka “employers liability”).
Only a handful of states (known as “monopolistic” states) administer their own mandatory workers comp program in which employers automatically participate. This means that, odds are, you’ll have to obtain the coverage yourself from the private market.

Your potential exposures

Cannabis is still federally illegal. Even if the states say it is legal in the state you work in, it does not always mean that workers’ compensation is available. If an employee has cannabis in their system in a legal state, does that make the employee eligible? Make sure you know your policy and how your state combats cannabis use for workers’ compensation.

Or the more common scenario where you receive a call that one of your employees has fallen and broken his or her leg. Not only have you lost a valuable employee, but they are also going to need months of therapy and recovery. Who will be responsible for those costs? You. Having a Workers’ Compensation policy will protect you and help pay those costs.

How does it work?

Dispensary with an open sign in the window with a cannabis leaf Training your dispensary and grow facility employees on safety is more imperative than ever for cannabis professionals. It is a simple fact that some jobs are more dangerous than others, and the cannabis field may need to make sure all the safety precautions are taken in the facilities.
There are a number of risks that workers face in the cannabis industry, including the following:

  • Slipping or tripping and falling
  • Repetitive motion injuries
  • Exposure to mold, pesticides, and other toxins
  • Interactions between water and electricity
These are just a few of the common risk factors facing workers in the cannabis field. Injuries of this nature may be eligible for workers’ compensation claims and benefits. Though injuries such as these can often be easily prevented, a lack of safety training and a focus on product rather than prudence can lead to expensive workers compensation settlements. Workers’ compensation is a type of insurance that offers wage replacement and coverage for necessary medical care following a work-related injury on the job. This compensation is offered in exchange for the surrender of any legal right to sue the employer responsible for the injury

As a business owner, you know there are several different types of insurance you need in order to run your business safely and effectively. We have you covered.
To complete your coverage, here are a few additional coverages you may be interested in:

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