FAQ2018-08-02T13:54:47+00:00

FAQ

What insurance options do I have?2018-03-09T18:59:48+00:00

We have insurance products that range from general liability, product liability, building coverage, property coverage, finished stock, crop coverage, equipment breakdown, workers compensation, excess liability, commercial auto, cyber, and more!

What states can you write insurance in?2018-07-17T20:13:02+00:00

We can write insurance in all states.

Apply for coverage now.

What insurance is required by most states?2018-03-09T19:02:25+00:00

We are based in Michigan and the state requires general liability and product liability in the amount of $100,000 each. We are seeing that most states require the same types of policies – general liability and product liability, but limits required differ.

Will the city I am operating in require different types of insurance?2018-03-09T19:03:03+00:00

We are seeing that many of the cities and townships in Michigan are requiring higher limits of liability (often times $1,000,000 per occurrence/$2,000,000 aggregate). Others are following what is mandated by the state. It’s important to check with your own municipality to verify their requirements.

What insurance do you think is the most important to carry?2018-03-09T21:16:45+00:00

While we feel that every business is different, we feel the largest exposure in this industry could end up being product liability.

My city requires a bond. Can you help?2018-07-17T20:07:37+00:00

Absolutely! We have bonds available for marijuana clients.

Apply for a bond on our site to get started.

Learn more about how to apply for a marijuana surety bond right now.

What happens if I have a fire? Can the loss of my income be covered?2018-03-09T19:04:31+00:00

Yes – this can be covered on your policy.

You can insure my crops?2018-03-09T19:05:04+00:00

You bet! As long as the crop is an indoor or greenhouse grow, we can absolutely insure them!

I am a safety compliance facility. What kind of insurance do I need?2018-03-09T19:05:39+00:00

Safety compliance labs are held to the same requirements as other businesses. A professional liability policy will also be imperative to carry.

I transport cannabis products and money. Can I insure my cargo while in transit?2018-03-09T19:08:10+00:00

Yes, we can insure cargo in transit!

What happens if there is a data breach?2018-07-17T18:38:43+00:00

We have cyber coverage available to our clients.

Contact us to get started!

I operate my business under one entity but own the building under a separate entity. Can I insure everything on one policy?2018-03-09T19:09:17+00:00

No – the business would need a policy and the entity that owns the building would need a lessor’s risk policy to insure the building and general liability.

I don’t own any commercial vehicles so what happens if I send my employee to pick up lunch and they are in an accident?2018-03-09T19:10:15+00:00

We have coverage for hired and non-owned automobiles.

I am hiring employees. What kind of coverage do I need for them?2018-07-17T17:54:29+00:00

Workers compensation. We have competitive priced workers compensation carriers available.

Apply for Workers Compensation Coverage on our site to get started.

Okay – I’m sold! How do I get a quote?2018-07-17T17:59:09+00:00

We are happy you want to work with our agency.

You can apply online now!

Why is marihuana spelled with an “h” instead of a “j” in the Michigan Medical Marihuana Act?2018-05-08T15:48:04+00:00

Many in the industry refer to the botanical plant—cannabis. While the spelling with a “j” is more common today, you will still see Michigan law using the “h” spelling.

The spelling of marihuana has a long history in the United States. Michigan’s history primarily starts from the spelling that was chosen for the Marihuana Tax Act of 1937. Michigan adopted its statutory definition of marihuana in the Public Health Code, utilizing what was the current federal spelling at the time.

As governing state laws spell marihuana with an “h,” communication from BMMR in relation to the Medical Marihuana Act or facility licensing and the applicable administrative rules will use an “h” in the spelling of Marihuana. An act of the Michigan Legislature would be required in order to change the spelling of marihuana in the Michigan statutes, such as the Public Health Code or the newer marihuana laws.

What medical conditions are eligible?2018-05-08T15:47:56+00:00

Eligible medical condition are considered 1 or more of the following:

Cancer, Glaucoma, Positive status for human immunodeficiency virus, Acquired immune deficiency syndrome, Hepatitis C, Amyotrophic lateral sclerosis, Crohn’s disease, Agitation of Alzheimer’s disease, Nail patella, Cachexia or wasting syndrome, Severe and chronic pain, Severe nausea, Seizures, Severe and persistent muscle spasms (including but not limited to those characteristic of multiple sclerosis), or Post Traumatic Stress Disorder.

See MCL 333.26423(b) for more information on medical conditions that qualify a person for the medical use of marijuana. The Michigan Medical Marijuana Act (MMMA) can be found at www.michigan.gov/mmp.

Does the address on my application have to match the address on my Michigan driver license or personal identification card?2018-05-08T15:47:43+00:00

No. The MMMP only requires that a patient provide a valid mailing address located in the state of Michigan.

Can I rescind a physician certification that I already completed for a patient?2018-05-08T15:46:40+00:00

A certifying physician may notify the MMMP in writing if a patient has ceased to suffer from a debilitating medical condition. Upon receipt of the written notice from the certifying physician, the MMMP will notify the patient within 20 business days that his or her registry identification card is no longer valid. For more information, see MCL 333.26426(f) and R 333.119 of the administrative rules located at www.michigan.gov/mmp.

Who can certify a patient’s medical use of marihuana?2018-05-08T16:33:50+00:00

Only a Medical Doctor (MD) or Doctor of Osteopathic Medicine and Surgery (DO) who holds a current license to practice in the state of Michigan can complete and sign the physician certification for a qualifying patient.

How do I notify the MMMP that my patient has passed away?2018-05-08T15:53:05+00:00

Either you or your patient’s family must submit a true copy of your patient’s death certificate to the MMMP. They will then change the status of your deceased patient’s registry card to inactive.

The MMMP will then send you written notice that your caregiver registry card for this patient is no longer valid. Upon receipt of the written notice, you are required to destroy your caregiver registry identification card for this patient.

How can a caregiver withdraw from the program?2018-05-08T15:59:19+00:00

A caregiver must complete the Program Withdrawal Form. The form includes instructions and lists the supporting documentation the caregiver must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.  There is no fee to withdraw from the MMMP.

The MMMP will send the caregiver written notice that his or her registration status has been withdrawn. Upon receipt of the written notice, the caregiver is required to destroy his or her registry identification card. The MMMP will issue the caregiver’s patient(s) a new registry card without a designated caregiver.

How do I get a replacement registry identification card if mine is lost, stolen, or damaged?2018-05-08T16:01:37+00:00

You must complete and submit the Replace Lost or Stolen Card Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.

Replace Lost or Stolen Card Form fee is $10 (the $10 fee covers all replacement cards requested).

I have an active caregiver registry identification card(s) and I recently moved. How do I update my address on my registry card? How much is the fee?2018-05-08T16:33:12+00:00

You must complete the Change Name or Address Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.

It is your responsibility to notify your patient(s) that your address has changed. The MMMP will issue your patient(s) a new registry identification card with your updated address.

The fee for the Change Name or Address Form is $10 (the $10 fee covers all changes requested and all updated registry cards)

I have an active caregiver registry identification card and I recently was divorced/married and changed my name. How do I update my name on my registry card? How much is the fee?2018-05-08T16:36:05+00:00

You must complete the Change Name or Address Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.

It is your responsibility to notify your patient(s) that your name has changed. The MMMP will issue your patient(s) a new registry identification card with your updated name.

The fee for the Change Name or Address Form fee is $10 (the $10 fee covers all changes requested and all updated registry cards)

How can I remove a current patient? How much is the fee?2018-05-08T16:38:14+00:00

You must complete and submit the Remove Patient Form. The form includes instructions to complete the form and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.

The Michigan Medical Marihuana Program will send your patient written notice that you will no longer be his or her caregiver and issue him or her a new registry identification card without a designated caregiver.

The fee for the Remove Patient Form fee is $10 (if you are removing more than 1 patient, the $10 fee will cover all patients being removed)

When will my caregiver registry identification card expire?2018-05-08T16:40:49+00:00

Your caregiver registry identification card will expire on the same day as your patient’s registry identification card. Your expiration date is listed on your caregiver registry identification card.

Can I find out the status of my patient’s application if I contact the MMMP?2018-05-08T16:43:01+00:00

No. Due to the confidentiality requirements in the Michigan Medical Marihuana Act (MMMA), the state can only speak with the applicant/patient regarding the status of his or her application. The MMMA can be found on the MMMP website at www.michigan.gov/mmp.

Will I be notified if my patient removes me as his or her caregiver?2018-05-08T16:45:14+00:00

Yes. The MMMP will send you written notice that your registry identification card for that patient is no longer valid.  Upon receiving this notice, you are required to destroy your registry identification card for that patient.

Will I receive a registry identification card for each qualifying patient that designates me as his or her caregiver?2018-05-08T16:46:25+00:00

Yes. If both you and your patients meet the requirements of the Michigan Medical Marihuana Act, you will receive a separate registry identification card for each patient.

How much marihuana can I possess as a caregiver?2018-05-08T16:55:39+00:00

A primary caregiver who has been issued a registry identification card may possess cannabis in forms and amounts that do not exceed any of the following: For each qualifying patient to whom he or she is connected through the department’s registration process, a combined total of 2.5 ounces of usable cannabis and usable cannabis equivalents. For each registered qualifying patient who has specified that the primary caregiver will be allowed under state law to cultivate cannabis for the qualifying patient, 12 cannabis plants kept in an enclosed, locked facility. The primary caregiver is allowed any incidental amount of seeds, stalks, and unusable roots.

The following is considered by the state to be equivalent to 1 ounce of usable cannabis:

(1) 16 ounces of marihuana-infused product if in a solid form.

(2) 7 grams of marihuana-infused product if in a gaseous form.

(3) 36 fluid ounces of marihuana-infused product if in a liquid form.

For more information, see MCL 333.26424(b) and (c). The Michigan Medical Marihuana Act can be found on the MMMP website at www.michigan.gov/mmp.

How do I become a caregiver?2018-05-08T17:01:21+00:00

You must meet the requirements in the statutory definition of “caregiver” in MCL 333.26423(h). The Michigan Medical Marihuana Act (MMMA) can be found on the MMMP website at www.michigan.gov/mmp. Additionally, a patient must submit one of the following to designate you as their caregiver: A complete Application Packet (if the patient is within 60 days of his or her registry card expiring OR the person is not a current patient with an active registry card), a complete Add or Change Caregiver Form (if the patient already has an active registry card). Your $25 processing fee must be submitted with the patient’s Application Packet or Add or Change Caregiver Form (the patient must also submit a $10 fee – total fee is $35). Your valid state-issued driver license or personal identification card must also be submitted with the patient’s Application Packet or Add or Change Caregiver Form.  Note: We will not accept an expired driver license or personal identification card.

How do I notify the MMMP that my primary caregiver has passed away?2018-05-08T17:03:58+00:00

Either you or your caregiver’s family must submit a true copy of your caregiver’s death certificate. The state will then change the status of your deceased caregiver’s registry card to inactive.

The MMMP will issue you a new registry identification card without a designated caregiver.

When do I renew my registry identification card?2018-05-08T17:05:39+00:00

You may submit your renewal application beginning 60 days prior to the expiration date on your patient registry identification card.

Do I have to provide proof of my Michigan residency when I renew my registry identification card?2018-05-08T17:10:39+00:00

Yes. You must submit one of the following: A copy of your valid Michigan driver license, or a copy of your valid Michigan personal identification card, or a copy of your valid Michigan voter registration. Note: We will not accept an expired driver license or personal identification card. Note: If you submit a voter registration, you must also submit proof of identity for verification purposes. Proof of identity can be any government-issued document that shows both your name and date of birth.

How do I renew my registry identification card?2018-05-08T17:13:13+00:00

The process is the same as when you initially applied for a registry identification card. The MMMP Application Packet can be found on the MMMP website at www.michigan.gov/mmp.

How can a patient withdraw from the program?2018-05-08T17:16:12+00:00

You must complete the Withdrawal Form. The form includes instructions and lists the supporting documentation that must be submitted with the form. The form can be found on the MMMP website at www.michigan.gov/mmp. There is no fee to withdraw from the MMMP.

The MMMP will send written notice that a patient’s registration status has been withdrawn. Upon receipt of the written notice, the patient is required to destroy the registry identification card. If the patient has a caregiver, the MMMP sends the caregiver written notice that his or her caregiver registry identification card is no longer valid.

How do I get a replacement registry identification card if mine is lost, stolen, or damaged?2018-05-08T17:18:19+00:00

You must complete and submit the Request Replacement Card(s) Form. The form includes instructions and lists the supporting documentation that must be submitted with the form. The form can be found on the MMMP website at www.michigan.gov/mmp.

The fee for the Replace Lost or Stolen Card Form is $10 (the $10 fee covers all replacement cards requested).

I have an active patient registry identification card and I recently moved. How do I update my address on my registry card? How much is the fee?2018-05-08T17:23:12+00:00

If you are prior to your renewal period (more than 60 days before your card is due to expire), you must complete the Change Name or Address Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp. The fee for the Change Name or Address Form is $10 (the $10 fee covers all changes requested and all updated registry cards). If you are within your renewal period (less than 60 days before your card is due to expire), submit an application with the required supporting documents and your new address. The MMMP Application Packet can be found on the MMMP website at www.michigan.gov/mmp. The patient fee for renewal is $60. If designating a caregiver, include an additional $25 caregiver fee.

I have an active patient registry identification card and I recently divorced/married/changed my name. How do I update my name on my registry card? How much is the fee?2018-05-08T17:26:54+00:00

Prior to your renewal period (more than 60 days before your card is due to expire), you must complete the Change Name or Address Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp. The fee for the Change Name or Address Form is $10 (the $10 fee covers all changes requested and all updated registry cards). If you are within your renewal period (less than 60 days before your card is due to expire), submit an application with the required supporting documents and documentation of your legal name change. The MMMP Application Packet can be found on the MMMP website at www.michigan.gov/mmp. The patient fee for renewal is $60. If designating a caregiver, include an additional $25 caregiver fee.

I have an active patient registry identification card. How do I add a caregiver or change to a different caregiver? How much is the fee?2018-05-08T17:31:32+00:00

Prior to your renewal period (more than 60 days before your card is due to expire), you must complete the Add or Change Caregiver Form. The form includes instructions and lists the supporting documentation you must submit with the form. The form can be found on the MMMP website at www.michigan.gov/mmp. The Add or Change Caregiver Form fee is $35. If you are within your renewal period (less than 60 days before your card is due to expire), you must complete your renewal application and provide the required caregiver information and supporting documents. Your new card will reflect the changes you request in your application. Renewals and new applications are submitted using the same form. The MMMP Application Packet can be found on the MMMP website at www.michigan.gov/mmp. The patient application fee is $60. If designating a caregiver, include an additional $25 caregiver fee.

How do I remove my current caregiver? I want to grow and possess my own plants. How much is the fee?2018-05-08T17:37:17+00:00

You must complete and submit the Remove Caregiver Form. The form will include instructions to complete the form and lists the supporting documentation you must submit with the form. This form should only be used if you are not designating another person as your new caregiver and plan to grow and possess your own plants. The form can be found on the MMMP website at www.michigan.gov/mmp. The Michigan Medical Marihuana Program will send the caregiver written notice that he or she will no longer be your caregiver and will issue you a new registry identification card without a designated caregiver. The fee for the Remove Caregiver Form is $10.

When does a patient registry identification card expire?2018-05-08T17:38:56+00:00

A patient registry identification card expires on the first day of the month two (2) years after the date the card is issued. The expiration date is listed on the patient registry identification card.

Do I have to designate a primary caregiver?2018-05-08T17:42:15+00:00

If you are 18 years of age or older, you are not required to designate a caregiver. However, the state requires that the parent or legal guardian of a minor patient act as the minor patient’s caregiver according to MCL 333.26426(b). More information can be found in the Michigan Medical Marihuana Act on the MMMP website at www.michigan.gov/mmp.

Can someone else sign and date the application if the applicant is mentally or physically incapacitated?2018-05-08T17:45:27+00:00

Yes. A court-appointed legal guardian or Medical Durable Power of Attorney (MDPOA) with the authority to sign documents and make medical decisions can apply on behalf of the applicant. The legal guardian or MDPOA must submit legal documentation verifying that he or she is the legal guardian or MDPOA for the applicant. The documentation must clearly state the legal guardian or MDPOA has the authority to sign documents and make medical decisions for the applicant. If the MDPOA takes effect based on specific conditions, the individual designated as the MDPOA must submit proof that those conditions have been met. For example, if an MDPOA takes effect when a physician(s) determines the applicant is incapable of making his or her own decisions, the individual designated as the MDPOA must submit proof that a physician(s) has made that determination.

Is there a separate fee for the caregiver?2018-05-08T17:47:19+00:00

Yes. If a patient designates a caregiver, administrative rule R 333.111(2) requires that the caregiver pay a $25 processing fee. The administrative rules for the Michigan Medical Marihuana Program can be found on the MMMP website at www.michigan.gov/mmp.

I just mailed my Application Packet, but I forgot to include something important (application fee, proof of Michigan residency, physician certification). Can I send it in now?2018-05-08T17:50:27+00:00

No. You will receive a written response from the MMMP office that tells you how to resubmit your Application Packet with the required fees and supporting documents. Application Packets that are submitted without the required fee(s) and all required supporting documents are considered incomplete and must be denied following R 333.113(4) of the administrative rules. The administrative rules for the Michigan Medical Marihuana Program can be found on the MMMP website at www.michigan.gov/mmp.

Do I need to keep a copy of the documents (application form, physician certification form, or required supporting documents) I send to the MMMP?2018-05-08T17:51:47+00:00

Yes. It is strongly recommend that you retain copies of any documents you submit to the MMMP.

How long does it take to receive a registry identification card?2018-05-08T17:55:34+00:00

The state requires that the Michigan Medical Marihuana Program (MMMP) approve or deny an application within 15 business days of the date the application is received by the MMMP. MCL 333.26426(e) and administrative rule 333.113(4) require the MMMP to either issue a registry identification card or a denial letter within five (5) business days of the date the application is approved or denied. Therefore, the MMMP has up to 20 business days from the date an application is received to issue a registry identification card or denial letter. “Issue” means that the MMMP has printed and mailed the registry card or denial letter. The MMMA and the administrative rules for the MMMP can be found on the MMMP website at www.michigan.gov/mmp. Applicants should allow the United States Postal Service adequate time to deliver their registry identification card or denial letter. If you submitted your application more than 5 weeks ago and have not received your registry card or a denial letter, please contact the MMMP at 517-284-6400.

How do I register as a patient (over age 18) with the Michigan Medical Marihuana Program (MMMP)?2018-05-08T18:02:17+00:00

You must submit, in one envelope, a complete MMMP Application Packet, which can be found on the MMMP website at www.michigan.gov/mmp. The packet includes a complete Application Form, a complete Physician Certification Form, proof of Michigan residency, which means one of the following: (1) A copy of your valid Michigan driver license, or (2) A copy of your valid Michigan personal identification card, or (3) A copy of your valid Michigan voter registration. Note: We will not accept an expired driver license or personal identification card. Note:  If you submit a voter registration as proof of Michigan residency, you must submit proof of your identity. Proof of identity can be any government-issued document that includes your name and date of birth. The required patient application fee (check or money order made payable to: State of Michigan- MMMP) is $60. If designating a caregiver, include an additional $25 caregiver fee. Also if you are designating a caregiver, proof of the caregiver’s identity, which means one of the following: (1) A copy of the caregiver’s valid state-issued driver license, or (2) A copy of the caregiver’s valid state-issued personal identification card. Additionally include any other documents that are required per the instructions on the Application Form (see instructions on Application regarding legal guardianship and Medical Durable Power of Attorney).

I’m a current/prospective medical marihuana patient. Should I go to a third-party business to get/renew my registry identification card? Can my application and physician certification serve as a temporary registration card?2018-05-08T18:17:28+00:00

Third-party business operations which tell patients that their application and physician certification serve as a temporary registration card are putting the patients at risk of possible arrest. As outlined in the MMMA, a patient or caregiver must present their valid registry identification card and a valid driver license – or government-issued identification card with photo – to law enforcement to be protected from arrest. BMMR recommends that applicants wait until they receive a registry card before engaging in the medical use of marihuana. If a patient or caregiver is submitting an application or a change form to the MMMP, it is important to read and follow the instructions for completing the form and include all required supporting documents listed in the instructions. If a patient or caregiver is unsure about the instructions, they should call the MMMP at 517-284-6400 before mailing the documents. It is also important for patients to only submit one application and its supporting documentation per envelope. If a patient was denied and is reapplying, it is important that they read and follow the instructions in the denial letter and – if they are unsure about the instructions – call the MMMP before mailing the documents. Patients should date the new application on the date they sign it – do not backdate or use the same date that was on the application that was denied. The MMMP has new, revised applications and forms available on the MMMP website at www.michigan.gov/mmp. Applicants, registered patients, and registered caregivers are required to use these forms effective February 1, 2018. Those submitting an application or request for changes to his or her registration should only download forms from the MMMP’s website.

Do I have to be a resident of the state of Michigan to obtain a patient registry identification card?2018-05-08T18:22:17+00:00

Yes. The state requires that you submit a copy of one of the following as proof of Michigan residency: A copy of your valid Michigan driver license, or a copy of your valid Michigan personal identification card, or a copy of your valid Michigan voter registration. Note: If you submit a voter registration as proof of Michigan residency, you must submit proof of your identity for verification purposes. Proof of identity can be any government-issued document that includes your name and date of birth. Note: We will not accept an expired driver license or personal identification card. The MMMA can be found on the MMMP website at www.michigan.gov/mmp.

How do I register a minor (under the age of 18) with the Michigan Medical Marihuana Program (MMMP)?2018-05-08T18:28:49+00:00

The parent or legal guardian of a minor patient (under 18 years old) must submit, in one envelope, a complete MMMP Minor Application Packet, which can be found on our website at www.michigan.gov/mmp. This packet needs to include a complete Application Form, two (2) complete Physician Certification Forms signed by two (2) different physicians, a complete Declaration of Person Responsible Form, proof of parentage or legal guardianship (a copy of minor’s government-issued birth certificate), proof of Michigan residency for the minor’s parent or legal guardian, which means one of the following: (1) a copy of the parent or legal guardian’s valid Michigan driver license, or (2) a copy of the parent or legal guardian’s valid Michigan personal identification card, or (3) a copy of the parent or legal guardian’s valid Michigan voter registration. Note: If you submit a voter registration as proof of Michigan residency, you must submit proof of your identity for verification purposes. Proof of identity can be any government-issued document that includes your name and date of birth. Note: We will not accept an expired driver license or personal identification card. The required application fee is $85 (check or money order made payable to: State of Michigan- MMMP).

How much is the application fee?2018-05-08T18:31:44+00:00

The patient fee is $60. If designating a caregiver, include an additional $25 caregiver fee. The application fee should be a check or money order made payable to: State of Michigan- MMMP.

Do I have to be licensed to get a referral fee?2018-07-23T18:07:04+00:00

State law restricts what referral fees we can pay in each industry, and the real estate and insurance sectors are particularly strict. Contact us directly to discuss how we can work together in your state.

When do referrals get paid?2018-07-19T05:33:35+00:00

All referrals are issued within 7 days of the us receiving payment. With cannabis real estate transactions, payments are typically received on the day of closing, while marijuana insurance carriers can vary between 45 and 60 days from the effective date of a policy. Unlike some companies, we don’t make you wait an additional 30 days for payment.