Cannabis Industry
In the rapidly evolving cannabis industry, a property loss can threaten your physical assets, your ability to stay compliant, to meet investor expectations, and to maintain production continuity. Whether you’re operating a cultivation facility, processing lab, dispensary, or vertically integrated business, navigating an insurance claim can be overwhelming. That’s where we come in. While you focus on operations, compliance, and customer relationships, our team—including licensed public adjusters, forensic accountants, building estimators, and inventory specialists—manages every aspect of your claim. We work to maximize your settlement, protect your bottom line, and help you recover with minimal disruption to your supply chain or licensing status.
Why Choose Us?
Since 1941, GGG/AI has helped businesses recover from complex property losses—and in recent years, we’ve developed specialized expertise to serve cannabis operators in this highly regulated and scrutinized space. We understand the importance of maintaining compliance with state and local regulators, safeguarding sensitive crop cycles, and preserving access to capital. From fire, water, or theft losses to equipment damage and business interruption, we handle the full claims process—from policy review and documentation to strategic negotiation—so you receive the recovery you're entitled to. With GGG/AI by your side, you can stay focused on compliance, production, and growth.
What We Do
Thorough Evaluation: As insurance professionals, we understand all areas of your policy, including coverage limitations, restrictions, coinsurance requirements, law and ordinance provisions, policy time-deadlines, etc.
With You the Whole Way: We meet with you often to discuss your business operations and create the right claims strategy to fit your immediate needs and long-term goals. Our experts stay in constant communication with you and the insurance company as we execute a plan that achieves your priorities. We will inspect and document the damaged property thoroughly.
Securing Equitable Settlements: We advocate for a swift and fair settlement from your property insurer to protect your interests and maximize your recovery.
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In the aftermath of significant property damage, you're left wondering about the best course of action to accelerate your recovery.
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You contact your insurance company, anticipating that they will promptly send out an adjuster and provide the coverage you have paid for. However, your claim will impact your insurer's financials – will their adjuster look out for your best interests?
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This dynamic reveals the delicate balance between your needs and the financial intricacies of the insurance industry. Navigating this landscape effectively is crucial to ensure appropriate recovery, in accordance with the coverage you have paid for.
We Can Help
Understanding the "fine print" of your insurance policy before engaging in substantive discussions with your property insurer is essential. How the claim is presented and how the coverage is utilized can make a dramatic difference in your recovery amount. Our in-depth analysis of the policy, and expert guidance, built upon over 80+ years of experience in the insurance claims industry, is invaluable to your full recovery.
Key Considerations for Your Insurance Claim Process
- After a property damage loss, what are the duties and responsibilities of the insured cannabis operator?
- Does your policy clearly define what’s covered—especially crops, grow equipment, extraction systems, and finished inventory?
- Are living plants (from seedlings to mature) covered or excluded under your current policy form?
- Does your business interruption coverage apply to lost production cycles or delayed harvests?
- What documentation is required to prove inventory values, cash loss, or business interruption?
- How will the claim process affect your licensing status or required security protocols?
- Are remediation costs for odor control, mold, or humidity damage to grow rooms covered?
- Does your policy cover loss due to theft, burglary, or vandalism—even if the business is cash-intensive?
- What happens if your compliant equipment or infrastructure must be rebuilt to new local fire or environmental codes?
- Are offsite locations and mobile operations included in your coverage?
- Will expedited rebuilds, temporary structures, or leased equipment costs be reimbursed?
- Do you have coverage for contamination, hazardous waste cleanup, or disposal of damaged product?
- Are your extraction labs and high-value mechanical systems (HVAC, dehumidification, lighting) adequately insured?
- Do you have special policy endorsements that affect coverage of controlled substances or high-risk classifications?
- Are loss-of-license or compliance breach costs covered if tied to property damage?
- Are your property management, consulting, or security costs reimbursable during downtime?
- Are you required to use specific approved contractors or submit proof-of-loss documentation within a set deadline?
- Is your cannabis insurance policy layered (excess policies)? If so, how does that affect your claim process?
The Difference We Make
GGG/AI works exclusively for YOU, the policyholder, not for the insurance company. Our insurance professionals have managed and negotiated thousands of claims after every type of property damage disaster. With offices across the US and an unmatched network of expert resources, we swiftly and equitably navigate the claims process towards successful resolution.
Resources
Cannabis has become a major industry in the U.S. The cannabis market is projected to reach $45.3B in 2025 and grow annually by 2.24%, reaching nearly $50B by 2030.
Client References
As licensed public adjusters, we work exclusively for you to ensure that you secure a fair settlement from your property insurer after a disaster.