This question was presented most recently when a cannabis grower needed commercial general liability only. They weren't interested in buying product liability insurance at the time due to cost constraints. The additional premium was close to $2,800 per year. Unfortunately, the retail insurance broker presented insurance quotes for two different insurance policies could not comprehend or consider this was beyond their budget. The insurance carrier and its representatives required that both policies be purchased as a condition of the sale.
If you need marijuana insurance that doesn't require you to buy commercial liability and product liability "packaged" together the good news is there are other marijuana approved insurance companies willing to offer you the single line of insurance.
Originally Posted on MarijuanaDispensaryInsurance.com