If you’re planning to serve THC beverages at your venue, relying on your existing liquor liability or general liability policy could leave you dangerously underinsured — or worse, completely unprotected.

Most traditional insurance was written before hemp-derived THC beverages entered the hospitality space. These policies often contain THC exclusions, ambiguous controlled substance language, or no language at all related to THC beverages..

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Here’s Where Coverage Breaks Down:

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🛑 Guest Overconsumption
If a patron combines alcohol with THC or has a delayed reaction after consuming a THC beverage, your liquor liability policy may not cover the incident.

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🛑 Mislabeled or Mishandled Products at the Point of Service
Even if the product was manufactured correctly, serving staff could mishandle, mislabel, or fail to inform guests of dosage, and you could be liable.

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With Frontier Risk, You Get:

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• Explicit protection for THC beverage service
• Policies designed for on-premise hospitality and live event environments
• Coverage aligned with state hemp beverage service laws and COI requirements
• Underwriting that accounts for event-based and multi-venue activation risk

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This isn’t about tacking on a THC rider. This is about securing the only true insurance product built for serving legal hemp-derived THC beverages — and protecting your venue, your license, and your reputation.

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What This Coverage Includes — Protection Designed for THC Beverage Service

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Whether you’re offering THC beverages at your bar, operating vendor booths in a stadium, or activating a hemp beverage garden at a weekend festival, this policy gives you layered protection tailored to how THC beverages are served.

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Guest-Facing Liability Coverage

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👉 THC Beverage Service Liability
Covers incidents where a guest claims harm from a THC beverage they consumed on-site — including adverse reactions, overconsumption or delayed effects. 

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👉 Point-of-Service Product Liability
Protects your venue if a beverage is mishandled, mislabeled, or served improperly — even when the product was manufactured correctly.

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👉 Premises Liability for THC Beverage Areas
Covers injuries or accidents that occur in areas where THC beverages are served or consumed — including patios, lounges, event vendor zones, or activation booths.

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Event-Ready and Operational Flexibility

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👉 Event-Based THC Beverage Coverage

Short-term protection for a one-night concert or multi-day festival, with options to name additional insureds like venue partners or sponsors.

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Who This Coverage Is For — Tailored Protection for Hospitality, Events, and Activation Teams

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Whether you're testing THC beverage service at a single location or managing activations across multiple venues and states, this policy is built for how real-world THC drinks are served.

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Ideal for Operators Like You:

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👉 Bars and Lounges
Launching a THC mocktail or THC seltzer? We protect your venue from guest incidents, labeling issues, and compliance oversights.

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👉 Restaurants and Hospitality Groups
Offering THC menus or special events across multiple locations? Our coverage scales with your licensing and documentation needs.

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👉 Stadiums, Arenas, and Entertainment Venues
Serving in booths, suites, or concessions? Get coverage for multiple points of sale and contract partners.

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👉 Festivals, Concerts, and Live Events
Flexible, event-specific coverage for THC beverage service at short-term or traveling events.

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👉 Pop-Ups and Hybrid Venues
Temporary or non-traditional spaces offering THC drinks? We match coverage to your layout and risk.

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👉 THC Beverage Brands Managing Service

Hosting sampling or co-branded events? Protect your staff and liability without overpaying for dispensary coverage.

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Serving THC beverages creates real operational and legal risk. These are the most common exposures you face as a venue:

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🧪 Product Contamination or Labeling Errors
Even with correct manufacturing, mishandling during service can lead to liability and regulatory penalties.

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⚖️ Guest Overconsumption or Cross-Intoxication
THC acts differently from alcohol. Combined effects or delayed reactions can create legal exposure.

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📄 Lack of THC-Specific Documentation
More states require specific THC liability coverage for beverage service. We ensure you're covered and compliant.

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How It Works — Simple, Flexible Coverage That Layers Into Your Program

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Getting this policy doesn’t require changing brokers or rewriting your liquor policy. Here's how we make it easy:

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🟢 Step 1: Tell Us About Your Venue
Quick intake call about your THC beverage model — bar, pop-up, stadium, or event.

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🟢 Step 2: Risk Assessment + Quote
Custom underwriting based on location, licensing, service style, and compliance requirements.

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🟢 Step 3: Coordinate With Your Broker (Optional)
We layer our coverage into your existing program without disruption.

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🟢 Step 4: Issue the Policy + Support Your Team
Instant access to our portal for COIs, claims, and renewals.

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What Makes This Policy Different — Not Just THC Coverage. THC Beverage Coverage.

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Traditional Liquor Policy

❌ THC/Hemp often excluded

❌ No coverage for guest overconsumption or alcohol + THC mixing

❌ Not compliant with THC regulations

❌ Generic underwriting

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Frontier Risk THC Beverage Policy

✅ Purpose-built for legal THC beverage service

✅ Covers guest impairment and delayed reactions

✅ Complies with state licensing requirements

✅ Built by THC/Hemp operators, backed by Strata Specialty

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Ready to Protect Your THC Beverage Program?

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This is the only policy built for hospitality teams serving legal THC beverages to the public.

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📅 Request a Quote
👥 Talk to Our Team

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Serve THC beverages with confidence — and the protection your guests, staff, and license deserve.

Cannabis Specialized

We understand the cannabis industry, your challenges as a business owner, and the license specific insurance you need.

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Fast Quoting

Our online quoting for cannabis insurance ensures that you receive quotes from the top carriers.

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Fair Prices

We offer fair insurance prices for cannabis businesses, providing equitable rates comparable to other industries.

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Easy Policy Management

Our customer portal allows you to conveniently manage your policies, download certificates, report claims, and more.

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Dedicated Support

Our dedicated support team puts your needs first, providing round-the-clock assistance. When you call, we'll be there.