Specialty coverage for cannabis transporters and secure transport operators — cannabis-explicit cargo coverage, commercial auto liability, hijacking and theft protection, and route-based underwriting. Subject to underwriting.
Standard commercial auto and motor truck cargo policies almost universally exclude marijuana. Cannabis transporters operate uncovered until they switch to specialty programs.
Most motor truck cargo and inland marine policies exclude Schedule I substances by default. The first time it surfaces is at claim time, when the carrier denies the loss.
Cannabis cargo is a known target. Specialty programs include theft and hijacking coverage but require GPS tracking, dual-custody protocols, and documented routes.
Personal auto policies almost always exclude business use. Drivers using personal vehicles need hired and non-owned auto liability — separate from commercial auto.
Armed operators need additional underwriting documentation — driver background checks, weapons certifications, and route protocols. Coverage is available but requires planning.
Specialty cargo coverage that schedules cannabis flower, concentrates, edibles, and finished goods explicitly. Eliminates the Schedule I exclusion gap.
Third-party bodily injury and property damage from your vehicles. Sized to match fleet, route profile, and revenue.
Coverage for drivers using their personal vehicles for business. Critical for any transporter that doesn't own every vehicle in operation.
Hijacking and in-transit theft coverage tied to security protocols — GPS tracking, dual custody, and documented route plans.
Third-party bodily injury and property damage from operations off-vehicle (loading docks, transfer points, customer locations).
Medical and disability coverage for drivers and security staff with appropriate cannabis-transport classifications.
All coverage is subject to underwriting. No coverage is bound or altered until confirmed by an authorized Spire representative.
Usually not. Most standard cargo and inland marine policies exclude marijuana, cannabis products, or Schedule I substances.
Cannabis transportation companies need specialized cargo coverage specifically written to insure cannabis products while in transit.
Coverage depends heavily on:
Cannabis cargo claims are often heavily scrutinized, which makes proper documentation extremely important.
Potentially. Transportation operations using armed personnel may require specialized liability structures depending on:
This exposure should be carefully reviewed with cannabis andsecurity specialists.
No. Commercial auto policies cover vehicle liability, but they usually do not automatically insure the cannabis cargo itself.
Auto coverage and cargo coverage are separate issues and both need to be structured correctly.
Transportation contracts commonly require:
Contract requirements should always be reviewed beforesigning transportation agreements.
Insurance carriers pay close attention to:
Well-documented risk management practices can improve bothpricing and carrier options over time.
Schedule a quick call with a Spire agent. We'll learn your operations and walk you through what coverage looks like for businesses like yours — with no pressure to bind.