It should go without saying that when a business purchases any
insurance policy – including, but not limited to, a
commercial general liability (CGL) insurance policy – the
business expects the policy to provide coverage for its line of
business and the specific risks it faces. Cannabis-related
businesses are no different. However, they must be especially
vigilant to make sure that what an insurance company gives with
"one hand" (the coverage grant), it does not take away
with the "other" (an exclusion). Remarkably,
marijuana-related exclusions may still be found in CGL and other
insurance policies marketed and sold to businesses in the cannabis
industry.
To better illustrate the concern, consider the following
non-cannabis-related scenario: When purchasing insurance, a
swimming pool manufacturer would, of course, want to make sure that
its CGL policy will provide coverage in the event that a
third-party sues the manufacturer for bodily injury allegedly
arising out
