What it does
Adds Section II coverage for cannabis-related exposures described in the endorsement.
Who needs it
Homeowners in states with legal cannabis, including those growing for personal use.
Quoting and selling notes
- Commercial cultivation or sale is a business exposure requiring a commercial cannabis program.
- Check state law and the carrier's underwriting guidelines before offering it.
Editions and availability
Editions in use and where they apply: 03 22 (37 jurisdictions).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
