Chris Sullivan


Commercial Lines Practice Leader & Cannabis Insurance Expert

Chris is celebrating nearly a decade in the property & casualty insurance industry. He first started his insurance career with a captive agency and quickly realized he had a passion for managing risk beyond the transaction of an insurance policy. This drove Sullivan to explore opportunities in the independent brokerage world where he eventually connected with POWERS in 2014. As an independent agent at POWERS, Sullivan is able to pursue his passions of assisting entrepreneurs and executives in the following industries: cannabis, hospitality, artisan contracting, and professional liability.

Often referred to as “Sully” by friends and family, Chris is no stranger amongst several social circles. Outside of being an avid men’s league pick up ice hockey player, skier, fisherman and family-man, you can find Chris frequenting local food & beverage establishments with his wife and kids, coaching youth ice hockey, supporting his wife’s entrepreneurial ventures and volunteering as a Big Brother.

Services I Can Help You With

Cannabis Coverage

In all legalized States

Restaurant Coverage

General Liability Coverage

Contractors Coverage

Professional Liability Coverage


Product Liability Coverage

EPLI Coverage

Employee Professional Liability Coverage

D&O Coverage

Directors & Officers Coverage

How Can I Help You Today?

"An ounce of prevention is worth a pound of cure."

- Ben Franklin


"I worked closely with Chris Sullivan on insurance for my client pursuing their Medical Marijuana licenses. Chris is easily one the top insurance brokers for the industry. He is always the first to know the newest rules and regulations and works tirelessly for his clients." 

- Ben W.

"The attentiveness, depth of knowledge and experience that Powers and Chris Sullivan have represented in working with MoCannTrade is top notch. This is especially critical for our organization and medical cannabis industry, which is new for this state and continues to evolve at a breakneck pace. Its good to have partners like Powers to ensure our risk exposure is minimized and our coverages are appropriate. Thx"

- Andrew M.

How the New Recreational Cannabis Bill in Missouri Impacts Insurance for Business Owners

By christophersullivan | December 9, 2022

On November 8th, 2022, Missouri became the 21st state in the US to legalize recreational cannabis. As Amendment 3 went into effect on December 8th, 2022, cannabis business owners must understand updated rules and regulations that may impact their various insurance policies, how they operate their business, and manage their employment staff. Below, we’ll discuss everything you need to know about Missouri’s new recreational cannabis laws, specifically medical marijuana patients, and how employment practices liability insurance (EPLI) is as crucial as ever for business owners. Amendment 3’s Fine Print for Cannabis Operators in Missouri The headline of Amendment 3 is…

Property Insurance for Cannabis Company

By christophersullivan | June 30, 2022

Regarding successful commercial cannabis company — property insurance is an integral piece of the puzzle. However, legal considerations surrounding insurance for cannabis companies are incredibly nuanced and cumbersome due to state and federal regulations. Furthermore, the many types of property insurance within the scope of cannabis operations are extensive. Whether you’re a facility owner or a tenant, property insurance is vital for your cannabis-based business to thrive. Soon, you’ll learn how property insurance doubles as a risk management program and who to trust with in-depth property insurance for cannabis operators. Why You Need Property Insurance as a Cannabis Operator As…

Cannabis Employment Practice Liability (EPL) Insurance

By christophersullivan | March 14, 2022

When a cannabis operator thinks of insurance, typically the basic coverages are considered: property insurance on the facility and contents liability coverage for the premises and product workers’ comp for their employment force commercial auto for company-owned vehicle While general & product liability policies cover bodily injury, property damage and personal injury, these policies will always either exclude or sub-limit civil and criminal suits pertaining to employment-related practices. Cannabis operators face the same HR and employment-related challenges as any other industry. In the era of Covid, the emerging and growing cannabis industry is on a hiring-spree whereas other established industries…

The Importance of Contract Alignment for Cannabis Operators

By christophersullivan | November 2, 2021

As a cannabis insurance risk manager, one of the questions I commonly hear from my clients is centered around how to manage their insurance program from a contractual alignment perspective. To put it simply, my clients want to make sure the vendors and other businesses they work with have the proper insurance in place … which will also reduce the risk of the cannabis operator getting pulled into a claim that should rightfully fall on another business. Before we get too far into the nuances of contractual alignment, I’d like to first explain a key difference between risk management and…

What is Employment Practice Liability Insurance?

By christophersullivan | September 3, 2020

Our society is becoming increasingly litigious.  The threat of a lawsuit hangs over every business transaction, large or small. Even employers who rigorously adhere to the letter of the law are likely to be sued at some point by an aggrieved employee or customer. While many suits are groundless, defending against them is costly and time consuming. If you carry employment practices liability insurance (EPLI), your business has a measure of protection against lawsuits from current, prospective, or former employees who may allege “wrongful acts” such as discrimination, sexual harassment, or wrongful termination. But what happens if a customer sues…

The Powers Process

Step 1

Enter Basic Information

Start by telling us just a little about yourself by filling out the form below or clicking on the mail icon and sending me a message. 

Step 2

We Gather Your Info

We are happy to provide a consultation on your terms: face-to-face, email, phone, Zoom -- whatever you request.

Step 3

We Analyze Markets

Next, we send your information to insurance companies that craft policies specific to your successful family's needs. 

Step 4

Receive a Quote!

We review the quotes provided by our partner companies and propose the best solution through a video explanation. 

Step 5

Meet the Team!

Now it’s time to meet the team! Welcome to the Family, we look forward to guiding you through your insurance needs for years to come.

Learn How I Help My Clients

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