Cannabis underwriting shouldn't operate without visibility.
Cannabis insurance carriers face a fundamental problem: information asymmetry. OPS gives insurers real-time operational intelligence — improving underwriting accuracy, reducing claim costs, and strengthening client relationships across the full policy lifecycle.
Limited reliable data about facility conditions, applications that overstate capabilities, no verification of safety or quality systems, and no way to differentiate well-managed from poorly-managed risks.
Documentation gaps that extend investigations, disputes over adequacy of safeguards, unclear evidence of pre-loss compliance, and litigation risk from denied claims.
Uncertainty about client improvements, no visibility into loss control implementation, and limited justification for premium adjustments.
Pre-Bind Facility Verification
- Independent risk assessment before policy issuance
- Verification of stated safety programs and quality systems
- Identification of material exposures not disclosed in application
- Compliance validation (licenses, permits, regulatory standing)
- Gap analysis with risk improvement recommendations
OPS Intelligence Report with underwriting recommendations
More accurate risk pricing and reduced adverse selection
Ongoing Client Monitoring
- Quarterly compliance verification
- Loss control implementation tracking
- Certificate of insurance monitoring
- Early warning alerts for emerging risks
- Continuous improvement documentation
Quarterly Risk Status Updates
Proactive loss prevention and enhanced client accountability
Post-Loss Documentation
- Rapid facility assessment after loss events
- Verification of pre-loss safeguards and compliance status
- Documentation of standard operating procedures
- Evidence collection for claim adjudication
- Expert testimony support if required
Post-Loss Compliance Report
Faster claim resolution and stronger defense against fraudulent claims
Premium Adjustment Justification
- Documented risk improvements over policy period
- Loss control implementation verification
- Compliance enhancement evidence
- Comparison to prior assessment findings
Annual Improvement Report
Data-driven renewal negotiations and retention
Cannabis-specific expertise
17+ years working with operating licensed cannabis facilities across cultivation, extraction, and manufacturing — fluent in state regulations.
Insurance industry knowledge
Underwriting, claims, and loss control experience with major cannabis carriers — findings translated into insurance language.
Independent third-party verification
No conflict of interest with policyholders. Objective, standardized assessments backed by professional liability coverage.
Proven risk control framework
Proprietary Risk Control Matrix, quantitative risk scoring, and portfolio benchmarking across the client base.
More accurate risk pricing through verified operational data; reduced adverse selection; better new-business conversion.
Reduced frequency and severity through proactive monitoring; enhanced client accountability; early intervention on emerging risks.
Faster resolution through immediate post-loss documentation; reduced litigation exposure; stronger defense against fraudulent claims.
Value-added services that support data-driven renewal discussions and reduce price competition.
Preferred Vendor
Carriers refer clients to OPS for risk improvement. Red Wolf provides assessment services at client expense; carrier receives verification reports.
Required Risk Assessment
OPS assessment required for new business or renewal. Cost incorporated into underwriting; standardized risk intelligence across portfolio.
Strategic Partnership
Custom risk assessment protocols aligned with carrier requirements. Dedicated support for underwriting and claims teams; portfolio-level analytics and priority response.