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Cannabis Workers Compensation

What is Workers Compensation for Cannabis Businesses?

If you have employees, you need cannabis workers compensation. It is really that simple, and here at Cover Cannabis we try to be as clear as possible when it comes to cannabis workers compensation, cannabis operations are no exception. Not having workers comp is extremely punitive and can lead to big fines and the risk of having your business shut down. If you are unsure whether or not your helper is an employee or just a helper, you can get more info here.

If you conclude that you do have employees, and based on our experience most helpers are employees, it is the right of your employee to have compensation for injuries, short-term and long-term disability if hurt while on the job. It is mandated by law and regulated by the state.

Risks of Working with Cannabis

These are some of the risks that are specific to the cannabis industry, such as:

  • Heat-stress injuries from working outside of a greenhouse.
  • Cuts and lacerations when plants are harvested.
  • Exposure to toxins from fertilizers and pesticides.
  • Improper ventilation that can lead to toxic mold exposure.
  • Excessive UV exposure from indoor growing lamps.
  • Carbon dioxide inhalation.
  • Possible burns and electrical shocks from malfunctioning or improperly wired equipment.

Benefits of Having Workers Compensation Insurance

As a cannabis operation, you need to ensure that you are covered in the event your employee gets hurt while on the job, but also that your cannabis workers compensation policy is written specifically for the type of operation you have.

What Does Workers Compensation Cover?

Workers compensation helps cover costs that are related to work injuries. This type of insurance can provide coverage for:

  1. Medical Expenses
    Workers compensation covers the cost of immediate care (for example, an ambulance ride), hospital stays, medications, surgical procedures and other medical bills. Ongoing care such as physical rehabilitation and medication may also be covered.
  2. Lawsuits related to work injuries
    Workers comp will usually include coverage to limit the employer’s liability in the event of an employee injury. This policy covers an employer from lawsuits by workers who claim that they were injured due to employer’s negligence.
  3. Missed wages during recovery
    Workers comp often pays part of the lost wages of an injured employee while recovering from a workplace injury or occupational illness.
  4. Compensation for fatal injuries
    When a work-related incident is fatal, workers compensation can pay for funeral expenses and provide benefits for dependents.

Get a Free Workers Compensation Quote and Get Your Business Protected!

It is important to always disclose that you are a cannabis operation when it comes to your insurance coverage. Investing in Workers Compensation Insurance can be a  big investment for any business, but its necessary. Let Cover Cannabis guide you and help you get the coverage your cannabis operation needs.