Cannabis Cultivator & Grower Insurance in Florida: 2025 Market Update
Florida's MMTC license environment, crop coverage, and surplus-lines reality.
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Get a Free IndicationFlorida's medical cannabis market is vertically integrated, and the insurance market is almost entirely surplus lines. There is no admitted carrier writing standalone cultivation in Florida as of 2025.
What's Available
- General Liability ($1M/$2M typical)
- Crop coverage (live plant + harvested)
- Product liability with edibles exclusions reviewed
- Property — building, contents, equipment breakdown
- Workers' comp (admitted, code 0079 nursery)
Premiums run 2–4x equivalent agricultural ops. Documentation of security, METRC compliance, and SOPs makes a real difference.
Get matched with cannabis-specialist surplus markets.
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Get a free $0 Down® indication
Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.
Tree crews: see $0 Down® tree trimmer liability.
Get a Free Indication$0 Down® liability insurance for landscapers and tree trimmers.
Designed to protect your reputation. Landscapers and tree trimmers in all 50 states. One short form.