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A composite annotated cannabis insurance application — with the margin notes a Connecticut-experienced underwriter typically scrawls in red ink decoded line by line. What "soft no, push for higher SIR" actually means, in plain English.
Six weeks. 27,000+ words. Eight cluster pieces. Plus a pile of half-baked theories, weird carrier rumors, underwriter quotes too spicy to publish, and the chart that made us laugh. Here's the offcut bin — annotated.
A holiday letter from the insurance side of the desk to the Connecticut cannabis operators working today. Why I'm reading policy forms on the 4th, what independence means in a federally illegal industry, and what operators should know before renewal.