The Product-Liability Risks Keeping Insurers Up at Night | Insuring Cannabis Summit 2025
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Corey Tobin of Symphony Risk Solutions flag delayed-onset intoxication and potential over-service in bars as emerging liability drivers for hemp beverages, and urge operators to lean hard on experienced counsel to keep labels and permits aligned with changing state/local rules (e.g., child-safety, Prop 65). With FDA still not approving hemp in foods, carriers scrutinize labels for no medical-efficacy claims, clear intoxication/heavy-equipment warnings, and precise dosage disclosures per serving and per container—key steps to stay insurable and compliant.