Does Missouri’s Workers Compensation statutes require post-accident drug testing, and is that affected by the recent passing of Amendment 3? As the employer, you are always liable for the safety and well-being of your employees in their work environments, and this includes promoting and maintaining a drug-free workplace. But with the passing of Amendment 3 in Missouri, you may have found that questions now need to be answered: Amendment 3, which took effect on December 8, 2022, legalized the production, manufacturing, possession, and use of recreational marijuana, a change to an earlier version of the law that broadens earlier legislation…

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…

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…

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…

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…