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One Bad Apple Spoils the Cannabis Policy

It is hard to find real world circumstances under which the saying “one bad apple spoils the bunch” applies as neatly as it does to an insurance policy. Fifty to 100 coverage-expanding pages of policy forms can be rendered effectively moot by a single-page exclusionary endorsement. And so it is with the products liability insurance offering from Continental Heritage Insurance Company accepted by the California Department of Insurance last week. Remove a single page, and this new offering could easily be the most policyholder-friendly products liability policy on the market. But, alas, that single page—a “Compliance With Applicable Law” endorsement—cannot be removed from the policy. This endo

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