Products Liablity & Marijuana Insurance

Products Liability is a huge question for a business owner in today’s market. Yes, it is expensive however with the average cost of defense running at $500,000, it becomes smart money. Recalls and lawsuits are expensive. Yes, there are cases that are cheaper and plenty that are more expensive. As you are thinking of protecting your investment, think of how many product recalls occur in the US on a weekly basis. Did you know that there are websites dedicated to this? Most of us have received at least one notice in the mail concerning our cars. Why would we think that a fast moving industry such as the marijuana industry would be different?

If you are a dispensary or a retail store then you should consider adding it to your store’s insurance package. When there is a suit, everyone possible gets named and it usually takes a lawyer, money and time to get untangled from a lawsuit. Our first run in with this was the Mirth Soda in three of the legal stores in Washington State. Who do you think would be named in a lawsuit if a bottle exploded in a customer’s hands?

If you sell Vape Pens and do not have Product’s liability then you are in a risky situation. The batteries can catch fire and the US Department of Transportation has limited them on flights in the US. There have been instances where Vape Pens have exploded. Be a Captain of Industry and know every step of production underneath your operation. By understanding where your products come from and how they are insured/treated only promotes your long term success.

Grower and processors, the first chance that you can cover your products, cover them. The Marijuana industry came out of the shadows with little regulation and oversight. Do you follow good manufacturing procedures? When was the last time you checked the chemical list for banned substances? Is your equipment being cleaned between runs of different growers or are you blending products? Being careful also includes being careful about what you bring in to your product stream.

There have been policies that I have refused to sell because of clauses against Cannabis/Marijuana’s product liability. A client buying a product has an expecation of the product being safe and if they find out otherwise then you are looking down the wrong end of a lawsuit. You never know who is going to try to take a short cut below you on your product stream and you don’t know how someone is going to use your product when you sell it. If you want to protect your business then you have product liability.

Mini Marijuana Pumpkin Pie Recipe

It’s Thanksgiving and you have smoked your turkey and now it is time to get baked with your four closest buds. What better way to do it than with a tiny pie? This recipe makes four mini pumpkin pies and remembers, you can always adjust the amount of cannabis you put in according to your tolerance level.

Ingredients:
Crust
1 1/3 cup all-purpose flour
5 tablespoons vegetable shortening
1 1/2 teaspoon cinnamon
1/2 teaspoon salt
2 tablespoons sugar
1/2 teaspoon salt
5 tablespoons unsalted butter
5 to 6 tablespoons ice water

Filling:
1 can (14 or 15 ounces) sweetened condensed milk
1 1/2 teaspoons vanilla extract
1/4 teaspoon ground cloves
1 can (14 ounces) pumpkin (not pumpkin pie filling)
1 gram finely ground hash or kief
2 large eggs
1/4 teaspoon salt
1/2 teaspoon nutmeg
1 teaspoon ginger

Crust:
Treat them like you are Dexter, chop the butter and the shortening in to small chunks and place it in the freezer for 15 minutes.
While the butter is getting cold, toss in the sugar, flour, and salt in a food processor and blend everything together.
Add in the cold butter/shortening mix and pulse until everything is looks like a bunch of crumbs.
Take the mixture out of the food processor and put in to a large mixing bowl.
Add in the ice water and mix together with your hands until it balls up and is a little wet.
Pat the dough in to a disk and wrap it with plastic wrap, carefully setting it in the fridge for about 20 minutes before removing it and rolling. Cut the dough into quarters.
Take a quarter and place it on a piece of wax paper and sprinkle it with flour. Cover it with another piece of wax paper and use a rolling pin to roll the dough in to a circle to form your mini pie crust.
Put your rolled crust in to a pie pan and press the edges in firmly to make your pie forms correctly. Place the crusts in the freezer to harden while you now make the crust.
PRO TIP: If you don’t have tiny pie tins then use a muffin pan! Multi-tasker is good.

The Filling:
Take a large mixing bowl and beat the eggs with a mixer until they’re frothy.
Add in the pumpkin, salt, cinnamon, nutmeg, hash/kief, vanilla, cloves, sweetened condensed milk, and ginger.
Beat everything until it’s well combined.
Pour the mixture in to the prepared crusts that you have ready and bake them for about 15 minutes at 350 degrees. (Small pies make for quicker baking).
Check their centers with a toothpick and if they come away clean, the pies are ready. If not, continue to check them at 5 minute intervals until the toothpick comes out clean.

Share and enjoy.

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