Insurance is priced on what you can prove. We help you prove it.
Red Wolf Risk provides independent operational risk management and insurance optimization support for cannabis operators. We complement your broker rather than replace them — improving the underlying risk, documenting the controls, and presenting the operation in the terms underwriters use to price and defend it.
A broker markets your risk. Someone has to improve it first.
- We do not sell insurance, place coverage, or earn commission.
- Your broker keeps the relationship and the placement; we strengthen what they take to market.
- We represent the operator's interest in coverage design, loss control, and claims.
- Everything we build stays with you as documented operational infrastructure.
Policy & exposure review
An independent read of current coverage, limits, exclusions, and endorsements against how the operation actually runs — so gaps surface before a loss, not after.
Pre-renewal risk assessment
A structured assessment ahead of renewal that documents controls, corrects weak points, and gives your broker verified material to take to market.
Facility loss-control improvements
Practical fixes across fire, electrical, water, security, extraction, equipment, and worker-safety exposures that underwriters and loss-control inspectors actually score.
Underwriting presentation
Submission-quality documentation of your systems, SOPs, safeguards, and loss history, presented in the language underwriters use to price risk.
COI & vendor controls
Certificate of insurance collection, review, and monitoring, plus contractual risk-transfer language and vendor qualification controls.
Safeguard endorsement compliance
Verification that protective safeguard, alarm, sprinkler, and security warranty conditions are met and documented — the conditions most often used to deny claims.
Claims preparedness
Pre-loss documentation, values substantiation, business-interruption records, and a defined response process built before an incident happens.
Claim support
Hands-on support during an open claim: documentation packages, root-cause narrative, corrective action evidence, and coordination with adjusters and your broker.
Ongoing fractional risk management
A retained risk manager function for operators who need continuous oversight without adding a full-time executive seat.
$167,000 in insurance premium savings in one year, while strengthening GMP compliance and audit readiness.
Start with a review of where your coverage and controls stand today.
Related reading: the Operational Preparedness System and how carriers use our verification work.