Reduce Loss Ratios With Pre-Claim Risk 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 recommendations for risk improvement

Deliverable: OPS Intelligence Report with underwriting recommendations

Value: More accurate risk pricing and reduced adverse selection

• Quarterly compliance verification
• Loss control implementation tracking
• Certificate of insurance monitoring
• Early warning alerts for emerging risks
• Continuous improvement documentation

Deliverable: Quarterly Risk Status Updates

Value: Proactive loss prevention and enhanced client accountability

• 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

Deliverable: Post-Loss Compliance Report

Value: Faster claim resolution and stronger defense against fraudulent claims

• Documented risk improvements over policy period
• Loss control implementation verification
• Compliance enhancement evidence
• Comparison to prior assessment findings

Deliverable: Annual Improvement Report

Value: Data-driven renewal negotiations and retention

• 15+ years working with operating licensed cannabis facilities
• Deep understanding of cultivation, extraction, and manufacturing risks
• Fluency in cannabis regulations across multiple states
• Relationship with state regulators and industry associations

• Understanding of underwriting, claims, and loss control processes
• Experience working with major cannabis carriers
• Ability to translate operational findings into insurance language
• Knowledge of policy terms, conditions, and exclusions

• No conflict of interest with policyholders
• Objective assessment based on standardized criteria
• Credible evidence for underwriting and claims decisions
• Professional liability coverage for our assessments

• Proprietary Risk Control Matrix aligned with industry standards
• Consistent assessment methodology across facilities
• Quantitative risk scoring system
• Benchmarking capabilities across client base

• Carriers refer clients to OPS for risk improvement
• Red Wolf provides assessment services at client expense
• Carrier receives verification reports to support underwriting/renewal
• Ideal for: Carriers with active cannabis books seeking risk improvementtes
• Relationship with state regulators and industry associations

• OPS assessment required for new business or renewal
• Cost incorporated into underwriting process
• Standardized risk intelligence across portfolio
• Ideal for: Carriers seeking systematic risk differentiation

• Custom risk assessment protocols aligned with carrier requirements
• Dedicated support for underwriting and claims teams
• Portfolio-level analytics and benchmarking
• Priority response for urgent assessments
• Ideal for: Major cannabis carriers with significant market share

• More accurate risk pricing through verified operational data
• Reduced adverse selection from pre-bind assessments
• Competitive advantage through better risk intelligence
• Improved new business conversion rates

• Reduced frequency and severity through proactive monitoring
• Enhanced client accountability through ongoing verification
• Early intervention on emerging risks
• Documentation of loss prevention efforts for regulatory review

• Faster claim resolution through immediate post-loss documentation
• Reduced litigation exposure from clear pre-loss evidence
• Lower investigation costs through third-party verification
• Stronger defense against fraudulent or exaggerated claims

• Enhanced client relationships through value-added services
• Data-driven renewal discussions
• Competitive moat through superior risk management support
• Reduced price competition through demonstrable value