Cannabis Insurance

CANNABIS INSURANCE

CREST INSURANCE GROUP

Crest Insurance Group is a nationally recognized “Top 100 Independent Property/Casualty Agency” by our industry peers with offices in AZ, CO, and CA and licensed in all 50 states. We provide our clients access to hundreds of national carriers spread across all markets. We pride ourselves on being your trusted insurance consultant. Our strength is our knowledge and commitment.

The search is over.

Finally, a full-service agency that provides the insurance solutions that the growing Cannabis Industry needs.

You've come to the right place.

Cannabis is an expanding and ever-changing industry, but our insurance experience spans decades. With Crest you get the advantage of partnering with knowledgeable and skilled professionals who can guide you at every turn.

Grow your business with confidence.

It’s essential that your business has the right coverage at the right price. From professional insurance to employees benefits Crest brings options to the table that allow you to focus on your success. With carriers and offices in multiple states we can work with you as your business grows.

These coverages protect an insured party against injury or damage claims from other parties. Most policies provide coverage for liability arising out of:

Premises and Operation
Fire Damage Liability (damage by fire to premises rented to insured)
Personal and Advertising Injury
Medical Payments
Products/Completed Operations

Workers Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental. (This includes death resulting from the accident.) Only diseases unique to an occupation are covered.

Medical
Income
Death
Rehabilitation

Auto policies are designed to insure vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. They can also insure private passenger autos and various types of trucks, trailers, semitrailers, and commercial vehicles.

This coverage protects insureds when there are claims brought by individuals that are harmed by a product that they made or sold. Claims can involve bodily injury, design flaws, defects and inadequate labels and warnings.

An umbrella policy can provide additional limits for general liability, employer’s liability and other coverages. Along with higher limits, umbrella policies can provide coverage when no coverage exists on the primary policies. These policies are often times required in various contracts and agreements.

Cyber policies are designed to respond to computer and email related risks. This can be ransomware, viruses, breaches of sensitive information and other cyber risks. Accompanying these policies are vendors that can help policy holders respond and recover from cyber events.

Employee Benefits

Crest's THC'S - Technology, Health, Compliance & Service

Technology

Utilize technology to improve administrative efficiency and position for growth.

Benefits Administration & HR Platforms

Ease
Employee Navigation

Zywave
ThinkHR

Health

People are a business’s largest asset. The employee experience is now a huge part of cannabis HR strategies. Part of that experience is the benefit offerings and programs.

Health Insurance
- Fully Insured
- Level Funded
- Self-Insured
Dental
Vision
Short-term Disability
Long-term Disability
Life/AD&D Insurance
Key Man Insurance

Accident
Critical Illness
NICE – Unlimited primary care, virtual visits, home visits, x-rays, labs, and access to over 550 free prescriptions with no out of pocket fees for your employees

Compliance

Staying up to date on a wide range of employee benefits topics can be difficult and time-consuming. An in-house cannabis human resources may not be an option for all. Constantly evolving labor laws and the risks involved with cannabis payroll creates the need for additional HR services. Utilizing the industry’s most expansive employee benefits content library through ZyWave will help you build your expertise using:

Compliance guidance on everything around ERISA, DOL, ACA, FMLA, and COBRA.
HR insights to assist clients with hiring, onboarding, terminations, and everything in between.
Tips, guides, and resources to build a greater understanding of benefit plan options and other key employee benefits topics.
Content to help foster a culture of health and wellness.
Communications tolls that help you educate and inform your employees about open enrollment and benefit plan options.

Service

Our employee benefits division provides employers with resources that allow them to meet the diverse needs of their employees. Crest’s customer service gives you the support to manage your benefits programs and meet the demands of running a successful business. We have long-lasting partnerships with companies of all sizes – from a single employee in a home office to thousands of employees spread across multiple locations in several countries. Each client is assigned a dedicated Account Manager to assist you and your employees throughout the year.

Benefit Management services provided by Crest include:

ACA (Affordable Care Act) Compliance and Updates
Annual Open Enrollment Support
CMS Disclosures/Annual Notices for State Mandated Programs
COBRA Assistance
Eligibility and Termination Assistance
Data Analytics and Claims Analysis
Employee Assistance Program (EAP) Support

Employee Benefit Support/Claims Management
HSNHRA/FSNPOP Program Guidance and Coordination
Renewal Negotiation and Process – Carrier research for all lines of coverage
Wellness Program Assessment and Coordination Programs
Voluntary Programs Assessment and Coordination Programs
Trusted HR Solutions and Services

Industry Segments

Testimonials

CREST Insurance has been an amazing partner for our company. In the Cannabis Industry, it is difficult to find an insurer who can provide the coverage needed at a reasonable cost…and CREST did just that. They went above and beyond to secure the exact coverage we were looking for, at a cost less than what we were paying, and inclusive of certain coverages that were not provided by our former agency.

CREST has made our company feel like a priority, and their responsiveness is next to none. The decision to switch to CREST as our insurance provider has been extremely valuable from the beginning, the relationship with their team has been astounding and we couldn’t be happier. Not only that, but the team we work with stays on top of industry changes and is ready to pivot to meet their customer needs and make. They work with the best of the best and have high standards that align with their customers’ expectations. recommendations accordingly.

We would highly recommend CREST to any company in the Cannabis Industry who needs affordable coverage options that you won’t find with most other agencies!

Ashley Worden, Controller

I don’t even know where to begin, there are so many good things to say! The CREST team has truly been a pleasure to work with and I have recommended them to MANY, and will continue to.

Being in the Cannabis industry, was very uncertain and somewhat dreading the process of finding coverage for our employees. I had no idea where to even start. Lucky for me, CREST swooped in and there has been nothing but smooth sailing every step of the way.

I have felt educated, knowledgeable and comfortable with every decision. And to add to it, let’s talk about their outstanding customer service! The CREST team I am paired up with not only have answers for everything, they have QUICK answers for everything! A huge THANK YOU to CREST!

Nikki Remme, Director of Human Resources