a. This exclusion is applicable whenever there is a claim alleging bodily injury, property damage, or personal or advertising injury resulting from:

1. the design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of cannabis by anyone; or
2. the actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of cannabis by anyone; or
3. property damage to cannabis.

b. This exclusion also applies even if the claim against the insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured.

a. This exclusion is applicable whenever there is a claim alleging a breach of duty, negligent act, error, omission or personal injury, committed by the insured in the performance of their professional services, resulting from:

1. the design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession or disposal of cannabis by anyone; or
2. the actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of cannabis by anyone; or
3. property damage to cannabis.

b. This exclusion also applies even if the claim against the insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured.

a. Cannabis means any good or product that consists of or contains any amount of Tetrahydrocannabinol (THC) or any other cannabinoid, regardless of whether any such THC or cannabinoid is natural or synthetic.

b. Cannabis includes but is not limited to:

1. Any plant of the genus Cannabis L., or any part thereof, such as seeds, stems, flowers, stalks and roots; or
2. Any compound, by-product, extract, derivative, mixture or combination, such as: resin, oil or wax; hash or hemp; or infused liquid or edible cannabis.

Yes. Existing customers will receive a ‘conditional renewal’ notice in accordance with their respective state’s statutes or Department of Insurance rules.

Renewal policy documents will contain a cover letter highlighting the new endorsement. They are emailed approximately 45 days before renewal.

No. Hiscox made the decision to change the policy’s terms and conditions rather than increase premium, so there is no option to remove the endorsement.

No.

All new business effective September 4, 2023 and later will have the new endorsement attached automatically. Renewals with January 2, 2024 effective dates and later will automatically have the new endorsement attached.

All new business effective September 18, 2023 and later will have the new endorsement attached automatically. Renewals with January 16, 2024 effective dates and later will automatically have the new endorsement attached.

Yes. Quotes that are retrieved and bound after the implementation date will include the new endorsement.

• Click each link for state specific versions (IL).
• Click nationwide version for use in all other states.

• Click each link for state specific versions (OR, VT, IL).
• Click nationwide version for use in all other states.