Oberman Insurance Services

WELCOME TO BARBARA C. OBERMAN INSURANCE SERVICES

Every Business Needs Insurance

We're on a mission to help the cannabis industry protect, refine and grow strong businesses

High Risk Industries Need High Quality Insurance

We are a full service insurance brokerage firm providing commercial insurance, employee benefits and risk management services dedicated to serving the cannabis industry.

Whether you are a startup entering the industry or have owned and operated a dispensary, cultivation, manufacturing, testing facility or ancillary business; we can help you find the solutions you need to protect your business and help your business grow.    

Are you a Start Up?

If you are new in business you have come to the right place!   We will help you build the insurance foundation you need to protect your business and so much more.  

WHY WORK WITH US?

  • Integrity

    We do the right thing

  • Caring

    We listen and we care

  • Creativity

    We are imaginative 

  • Commitment

    We finish what we start

  • Community

    We are committed to making the world a better place

  • Service

    We go the extra mile

  • Innovation

    We constantly strive to improve 

  • Education

    We're always learning

OUR STORY

EXPERIENCE YOU CAN COUNT ON

Our team is comprised of experienced employee benefits and commercial insurance brokers who average over 25 years of industry experience. We are a group of professionals working together with a common goal of providing personalized service with integrity and fairness.  We are passionate about the industry and excited about what the future holds. Our team continually monitors cannabis regulations and attends local, state and federal conferences to keep our clients informed and educated.  

OUR PEOPLE

PEOPLE YOU ENJOY WORKING WITH

Technology is nothing without great people and we are great! We work with enthusiasm, passion and commitment and we pay extraordinary attention to taking care of you first and foremost. 

Employers today need to do more, deal with more, and do it with less staff.  Providing the knowledge, tools and support to assist our clients is what we do number one.    

We are experts in working with businesses in this challenging environment.  

OUR TECHNOLOGY

Cutting Edge Workplace Technology

We invest heavily in state-of-the art technology and systems to provide employee portals, online administrative tools and online libraries for HR administrators, all designed to save you time and money. Much of this technology has been used by larger corporations for years. Economies of scale and the internet now make it possible to bring all of these tools to employers with as few as 5 employees.  And best of all, we provide these powerful simple to use tools to our clients at no additional charge. 

Products & Services

We offer a range of insurance products and business services for the cannabis industry including: 

  • General Liability Coverage
  • Product Liability
  • Professional Liability
  • Injury & Prevention Programs
  • Employment Practice Liability
  • Workers’ Compensation
  • Crop Liability
  • Property 
  • Directors & Officers
  • Excess Liability
  • Commercial Auto and Delivery
  • Employee Benefits
  • Onboarding & Benefits Management
  • One-call Customer Service
  • Additional Business Services

COMMERCIAL GENERAL LIABILITY INSURANCE

A broad commercial insurance policy that covers all liability exposures of a business that are not specifically excluded and includes product liability, completed operations, premises and operations, and independent contractors.

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WORKER’S COMPENSATION INSURANCE

Worker’s compensation insurance covers an employer's liability for injuries, disability or death to individuals in your employment, without regard to fault, and is required by law in California and most other states.  We offer a special program for the cannabis industry that is available to most businesses.  We can assist you with meeting Cal-OSHA requirements, carrier audits, inspections and the claims reporting process.    

PROFESSIONAL LIABILITY INSURANCE

Professional liability insurance protects you against claims made by your clients for potential negligence or failing to adequately perform professional services.  It is sometimes referred to as Professional Liability/Errors and Omissions or Professional Indemnity Insurance.  This coverage is typically excluded from a general liability or business owner’s policy.

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PRODUCT LIABILITY INSURANCE

Product liability insurance protects manufacturers and distributors from exposure to lawsuits by people who have sustained bodily injury or property damage through the use of their products.  Coverage may be offered to manufacturers, retailers, management offices, garden and hydroponic stores.

PROPERTY INSURANCE

Property insurance protects the insured against loss or damage to real or personal property from a variety of perils.

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CROP LIABILITY INSURANCE

Crop insurance protects the insured against loss or damage to crops from a numerous risks , including but not limited to fire, lightening, loss of revenue, tornados, hurricanes, hail, flood, rain, or damage by insects.

DIRECTORS AND OFFICERS LIABILITY INSURANCE/D&O

Directors and officers liability insurance (D&O) covers directors and officers of a company for negligent acts or omissions and for misleading statements that can result in lawsuits against the company.

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EXCESS LIABILITY INSURANCE

Excess liability insurance provides coverage in excess of your current general liability insurance policy.  Most cannabis related businesses are eligible for coverage.  

COMMERCIAL AUTO AND DELIVERY

This insurance provides coverage for motor vehicles owned by a business and protects the insured against financial loss because of legal liability for motor vehicle related injuries, or damage to the property of others caused by accidents arising out of the ownership, maintenance, use, or care-custody & control of a motor vehicle.  The transport and delivery of medical marijuana stock and related products poses challenges unique to the Cannabis Industry. Don't risk your inventory with inadequate vehicle coverage.  We can provide you with commercial vehicle coverages specifically for cannabis businesses.

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EMPLOYEE BENEFITS INSURANCE

A health benefits package can be the deciding factor and the leading attraction to compete for good talent.

The added benefits to your company are that health insurance is 100% tax deductible to your business, and employees get the benefit tax-free.

We will help you structure an employee benefits package that fits your budget and that offers maximum value to your employees.  

ONBOARDING & BENEFITS MANAGEMENT

Managing employee benefits can be daunting and time consuming.    Our services include web-based technology designed to reduce HR administration and increase employee engagement.

The platform includes New Hire Onboarding and Online Benefits Enrollment and provides your employees with one place to go for all their benefits information.

Our self-service portal significantly reduces the amount of time you need to spend administering benefits thereby freeing you up for more strategic functions.

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ONE-CALL CUSTOMER SERVICE

Our staff knows who you are without your policy number, deals with the carriers for you and gets you answers without delay.   

INJURY & ILLNESS PREVENTION PROGRAMS

If your business is located in California you need an Injury Illness and Prevention Program. And, if you are a grower, you may need a Heat Injury Illness and Prevention program too. 

Most successful injury and illness prevention programs include a similar set of commonsense elements that focus on finding all hazards in the workplace and developing a plan for preventing and controlling those hazards.

Management leadership and active worker participation are essential to ensuring that all hazards are identified and addressed.

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ADDITIONAL BUSINESS SERVICES

Over the years, we have developed trusted relationships with professionals in many areas that may help your business succeed.    If you are looking for an attorney, human resource expert, payroll,   accounting or banking services advisors, we would be happy to make an introduction.           

INDUSTRY NEWS

RSS Cannabis Industry Journal

Ready to find out more?

Drop us a line today for a free quote!