MMAR Homeowners insurance policies...

...are 100% legit thru LMG Insurance Brokers Ltd. (Scott Wilkins), but they are a complete and utter ripoff!

My quote came in @ just under $6k/year, almost double what I'm paying now...that's total fuckin' BS!

It seems our expert insurance witness in the Allard trial is nothing more than another viper trying to cash in on a short term niche market. He's no better than the LP's, going after sick/disabled people...imo!

You can give them a call and get a quote, but unless you're a cash cropping DG...it's prolly not even worth the effort.

My Insurance broker still expects standard insurance Co's to offer MMJ/MJ exclusions as soon as Rec is finalized next year. Until then, I suggest you make your grow as safe as possible and keep flying under the radar.



Jennifer Robin
Assistant to Scott Wilkins
Medical Marijuana Insurance Program
LMG Insurance Brokers Ltd.IVertical Insurance Group Inc.
#200-2640 Beverly Street, Duncan, BC V9L 5C7
T: 250.748.3200 F: 250.748.3226 TF: 877-848-3232
Email: [email protected]

What do you feel brought it to 6k?

May I ask your limits/storage? What's the coverage on these?

Very high quote. Insurance companies say "act of god" but so was weed...

A properly installed grow is no more (less) of a fire risk than a stove. Growing cannabis is certainly no more dangerous than growing anything else indoors using lights. Do these insurance companies require the same policy to grow indoor tomatoes? The theft angle is also a non-starter as a justification for gouging. Most people have items valued in excess of what the grow is worth that are covered by normal, much cheaper policies. They wouldn't be discriminating against mmj patients to boost profits, would they? Isn't that frowned upon...?
Forcing over-priced insurance onto sick people who lack the means to pay is just a continuation of unjustified barrier to access. I can see them demanding inspections, unfortunately, but once it passes it should be covered by regular homeowner's insurance.

I dont understand why growers are singled out on this kind of thing. There are plenty of backyard mechanics and hobbyists that have much more dangerous electrical set ups with tools and such.... total bullshit...

No INS can say shit about a light in your house...specially if it is wired correctly and inspected. PERIOD. NOTHING GROWING OF COURSE.
No INS WILL say shit about growing veggies in a house.
You're letting this BS get the best of you. I'm an electrician by trade and know for a fact there is no problem installing HID''s 4 and 600 metal halides get installed all day long at some homes...
Thats an issue?
WHAT THE FUCK...one light matters??? Only if POT is attached to it.
End of story.
Its your problem if you make an issue out of growing a couple plants.


Not to mention...what danger is there anyway? Please make a list!

gb123 said:

No INS can say shit about a light in your house...specially if it is wired correctly and inspected. PERIOD. NOTHING GROWING OF COURSE.
No INS WILL say shit about growing veggies in a house.
You're letting this BS get the best of you. I'm an electrician by trade and know for a fact there is no problem installing HID''s 4 and 600 metal halides get installed all day long at some homes...
Thats an issue?
WHAT THE FUCK...one light matters??? Only if POT is attached to it.
End of story.
Its your problem if you make an issue out of growing a couple plants.


Not to mention...what danger is there anyway? Please make a list!

Click to expand...

Mr. Wilkins will agree to every point you just made. Very low risk (99.9% of policies are greater risk for total loss than MMJ grows, Scott's #'s), and then tell you he doesn't set the quotes. It's set up as 2 policies...1 commercial policy for the building, and a separate policy for contents. They were way more concerned about my Dogo! I supplied pics of the grow, scans of pinks...and they didn't say a single word about anything MMJ related. I had to supply pedigree papers to prove the Dogo wasn't a pitbull, yet only had to "sign off" that my grow was safe without ANY inspections needed...smh.

true dat eh...

...6 g's is NUTS !!!! A 3500 house in Toronto is not even a 1/3 of that.

All the pigs are lining up.

WHATFG said:

All the pigs are lining up.

Click to expand...

And won't they be disappointed to find out most sick people have no money...but still have a legal right to grow their own medicine. Most low income people don't even have renter's content insurance because of cost. A one-time mandatory inspection fee is about all they are going to get away with, and even then it will be a fight. Unless they have the same rules for growing indoor tomatoes, it's not going to fly.

VIANARCHRIS said:

And won't they be disappointed to find out sick people still have a legal right to grow their own medicine..

Click to expand...

touche !

hmmmm...discrimination suit?? Human rights??
more reefer madness

doingdishes said:

hmmmm...discrimination suit?? Human rights??
more reefer madness

Click to expand...

If we're allowed to continue to grow our MMJ after Aug, it may very well come to that. I'm sure the standard insurance Co's will be watching closely come Aug. They would likey rather offer MMJ exclusions than try and defend against Human Rights complaints. Or like Uber, the Gov can force them to offer coverage....especially if lack of coverage becomes a barrier to reasonable MMJ access.

TheRealDman said:

...are 100% legit thru LMG Insurance Brokers Ltd. (Scott Wilkins), but they are a complete and utter ripoff!

My quote came in @ just under $6k/year, almost double what I'm paying now...that's total fuckin' BS

Jennifer Robin
Assistant to Scott Wilkins
Medical Marijuana Insurance Program
LMG Insurance Brokers Ltd.IVertical Insurance Group Inc.
#200-2640 Beverly Street, Duncan, BC V9L 5C7
T: 250.748.3200 F: 250.748.3226 TF: 877-848-3232
Email: [email protected]

Click to expand...

Going to give them a call. See what they have to say...shouldnt a normal policy cover legal patient?

bigmanc said:

Going to give them a call. See what they have to say...shouldnt a normal policy cover legal patient?

Click to expand...

One would assume it should...but no standard homeowners insurance exists in Canada for personal MMJ growing...at least not yet.

LMG upped the cost of insurance last year. Originally I paid $152 a month, now i'm up to $260 for the same coverage. They said they were increasing the costs to match other available insurance prices. If you are Commercial or industrial zoned you have to get MMJ insurance, or you are not covered for your grow.
The city requires insurance or they will put a "do not occupy status" on your grow through the building inspector. You will be required to submit a change of use permit to be able to continue operating. Even if you are not operating the city defines occupancy as anyone using a space for personal use, a business, or storage.
You cannot have 2 policies on one building, therefore you are stuck getting MMJ insurance. To be fully insured might cost $1080 a month, if one wanted to have everything covered. You can have more minimal coverage, but will be required to submit pictures of what you want insured yearly.
I was also required to have a venting inspection by an engineer, or building inspector. An inspection by the BC Safety authority and also a fire inspection. Electrical work needs to be done by a certified contractor to wet code- very expensive.

chex1111 said:

LMG upped the cost of insurance last year. Originally I paid $152 a month, now i'm up to $260 for the same coverage. They said they were increasing the costs to match other available insurance prices. If you are Commercial or industrial zoned you have to get MMJ insurance, or you are not covered for your grow.
The city requires insurance or they will put a "do not occupy status" on your grow through the building inspector. You will be required to submit a change of use permit to be able to continue operating. Even if you are not operating the city defines occupancy as anyone using a space for personal use, a business, or storage.
You cannot have 2 policies on one building, therefore you are stuck getting MMJ insurance. To be fully insured might cost $1080 a month, if one wanted to have everything covered. You can have more minimal coverage, but will be required to submit pictures of what you want insured yearly.
I was also required to have a venting inspection by an engineer, or building inspector. An inspection by the BC Safety authority and also a fire inspection. Electrical work needs to be done by a certified contractor to wet code- very expensive.

Click to expand...

Let's see how your city responds when everyone can grow MJ @ home? They can rezone everyone. Right now they are infringing on your medical rights by forcing you to jump thru hoops. If HC says you can grow, your city should not be able to impede your access to doing so.

chex1111 said:

LMG upped the cost of insurance last year. Originally I paid $152 a month, now i'm up to $260 for the same coverage. They said they were increasing the costs to match other available insurance prices. If you are Commercial or industrial zoned you have to get MMJ insurance, or you are not covered for your grow.
The city requires insurance or they will put a "do not occupy status" on your grow through the building inspector. You will be required to submit a change of use permit to be able to continue operating. Even if you are not operating the city defines occupancy as anyone using a space for personal use, a business, or storage.
You cannot have 2 policies on one building, therefore you are stuck getting MMJ insurance. To be fully insured might cost $1080 a month, if one wanted to have everything covered. You can have more minimal coverage, but will be required to submit pictures of what you want insured yearly.
I was also required to have a venting inspection by an engineer, or building inspector. An inspection by the BC Safety authority and also a fire inspection. Electrical work needs to be done by a certified contractor to wet code- very expensive.

Click to expand...

By your post im assuming this has happened to you. Im speaking with a lawyer and 3 different brokers that all deal with MMJ. Straight up called TD and asked for a quote and spoke with an underwriter. The only thing they have a problem with is the storage of marijuana...so i mean they could say im storing growing plants so thats a no go.

Anyway you could make a list of things to do before and what you kind of been side swiped with down the road during the process. You gave me alot of info i was actually looking for and plopped it in my lap. Thanks for the help.

Yes Bigman this has all happened to me. Home insurance dosen't want you to store herb and Health Can says you have to store at your site. Maybe thats what stops home insurance from working. I would be worried about getting denied coverage, because that's what insurance companies do to boost their bottom lines. There have only been two insurance companies that have gone out of business in Canada since the year 1800.
The City is doing the job that the TPP officers are supposed to do, in my opinion. I had quite a bit of arguing and debating with them about the fact that the people i'm dealing with actually have no experience with indoor growing. I lost that debate, of course, and the licensed electrical contractor i had to hire BS'd me about how good he was at wiring for grows. He hand built contactors instead of installing pre-made timer boxes, ran the channeling to close together so it's really difficult to access the junction boxes, damaged some equipment. I had two blackouts, two blown contactors, a melted bulb and very unbalanced phases. The guy had other workers do most of the work, and his billing worked out to $103 an hour. The 65 year old engineer i hired for the venting inspection was cheaper at $100/hr.
Once I had the inspection from the BC Safety Authority, I had two weeks to hire a contractor, or get shut down. The better contractors were already booked, so i ended up with what i got. Do it yourself, with the help of an electrician who is a grower if you can. I've been doing it that way now and my setup is waay better and cheaper.

Dman-
If you grow in your home you will have an easier time because you can refuse entry to your home. It's also unlikley that anyone will notice you are growing. I flew under the radar for two years, but they figured it out eventually.
I found that between Health Can and the City they flip flopped about what was more dangerous. Home grows were the big threat first because you are a danger to yourself, and your family. Then if you move out of your home you are a threat to the whole neighbourhood.

Yeah I'm hearing alot of bullshit red tape to getting set up. Now I'm learning that even though I would own my unit it still needs to fall under coverage of the condo corporation. Another problem is its in Mississauga and maybe 2 years ago the city had a press release over a yearly fee and inspections for marijuana grows now it says nothing about LP or Personal within those documents. If a neighbor calls for smell I could land myself in a couple law suits quite easily and have to be shut down. Plan B - buy land and build a shop.