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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.
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.
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:
To complete your coverage, here are a few additional coverages you may be interested in: