{"id":15231,"date":"2026-02-13T16:14:52","date_gmt":"2026-02-13T15:14:52","guid":{"rendered":"https:\/\/www.cbd.fr\/blog\/?p=15231"},"modified":"2026-02-13T16:14:54","modified_gmt":"2026-02-13T15:14:54","slug":"insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing","status":"publish","type":"post","link":"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/","title":{"rendered":"Insurance and CBD: guarantees, exclusions, what to declare when subscribing?"},"content":{"rendered":"<p>\nThe rise of CBD and its wellness uses raises unprecedented questions for both policyholders and insurance companies. Whether you consume cannabidiol legally or are considering selling it, certain points warrant particular attention. In insurance, transparency prevents unpleasant surprises in the event of a claim. Between exclusions of coverage, reporting obligations, and specific risk criteria related to CBD, the insurance industry is slowly evolving to adapt to this new reality. How do insurance companies view CBD? Long associated with drug use, CBD use still raises some doubts among insurers. Yet, this hemp-derived product has no psychotropic effects as long as it respects the legal <a href=\"https:\/\/www.cbd.fr\/198thccbd\" data-internallinksmanager029f6b8e52c=\"17\" title=\"thc - t\u00e9trahydrocannabinol\">THC<\/a> limit in France. So, how does your insurance policy incorporate CBD into its risk assessment? Today, most companies distinguish between cannabidiol (CBD) and illegal cannabis. Nevertheless, the approach remains cautious on several fronts: defining appropriate coverage, terms of coverage for the driver or the person at risk, and the limits stipulated by the specific exclusion clause. <strong><\/strong> Personal CBD Consumption and Liability Coverage <strong>When discussing the legal individual use of CBD, the rules differ from those for the use of narcotics in the strict sense. Traditional insurance contracts generally do not impose exclusions of coverage solely related to CBD that comply with French law. However, some insurers may remain unclear if the nature of the product or its origin raises doubts about its legality.<\/strong> It is therefore essential to carefully read the terms of your contract: the term &#8220;narcotic&#8221;<strong>&#8221; is sometimes used generically and could encompass all forms of cannabis, creating uncertainty when it comes to compensation for a claim involving CBD.<\/strong> <strong>Focus on managing occupational risks related to CBD<\/strong>The sale or processing of products containing cannabidiol raises another issue regarding insurance. <strong>Most insurers now require explicit disclosure of the CBD-related activity. Omitting this information when taking out a policy can lead to the application of the exclusion clause for misrepresentation or unspecified risk in the event of a claim.<\/strong>\n<\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #43b981;color:#43b981\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #43b981;color:#43b981\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/#Depending_on_the_companys_profile_distributor_manufacturer_processor_appropriate_coverage_will_be_required_to_protect_against_the_risks_inherent_in_the_activity_professional_liability_insurance_merchandise_insurance_or_legal_protection_specific_to_CBD_businesses_It_is_now_possible_to_find_online_specialists_in_legal_CBD_who_offer_a_wide_selection_of_flowers_resins_and_oils_that_comply_with_French_regulations_What_are_the_main_exclusion_clauses_related_to_CBD\" >Depending on the company&#8217;s profile (distributor, manufacturer, processor), appropriate coverage will be required to protect against the risks inherent in the activity: professional liability insurance, merchandise insurance, or legal protection specific to CBD businesses. It is now possible to find online specialists in legal CBD who offer a wide selection of flowers, resins, and oils that comply with French regulations. What are the main exclusion clauses related to CBD?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/#and_that_relating_to_the_vehicle_itself_The_exact_scope_of_the_exclusion_depends_heavily_on_the_wording_chosen_by_each_company_and_must_be_checked_line_by_line_in_the\" >and that relating to the vehicle itself. The exact scope of the exclusion depends heavily on the wording chosen by each company and must be checked line by line in the<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/#Driving_after_use\" >Driving after use<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/#Can_CBD_professionals_benefit_from_appropriate_warranties_Yes_there_are_now\" >Can CBD professionals benefit from appropriate warranties? Yes, there are now<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Depending_on_the_companys_profile_distributor_manufacturer_processor_appropriate_coverage_will_be_required_to_protect_against_the_risks_inherent_in_the_activity_professional_liability_insurance_merchandise_insurance_or_legal_protection_specific_to_CBD_businesses_It_is_now_possible_to_find_online_specialists_in_legal_CBD_who_offer_a_wide_selection_of_flowers_resins_and_oils_that_comply_with_French_regulations_What_are_the_main_exclusion_clauses_related_to_CBD\"><\/span>Depending on the company&#8217;s profile (distributor, manufacturer, processor), appropriate coverage will be required to protect against the risks inherent in the activity: professional liability insurance, merchandise insurance, or legal protection specific to CBD businesses. It is now possible to find online specialists in legal CBD who offer a wide selection of flowers, resins, and oils that comply with French regulations. What are the main exclusion clauses related to CBD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\n <strong>Exclusions from coverage are among the essential elements of an insurance contract. When a practice is considered to increase the risk, it is often subject to a limitation of coverage. CBD, depending on its legal status and the interpretation of the contract, may also be subject to such restrictions.<\/strong>Some clauses, for example, exclude any damage resulting from driving under the influence of drugs, even when the substance in question has a CBD level that complies with the law. A frequent confusion between CBD and THC contributes to this persistent ambiguity in contractual texts. Furthermore, in order to address these compliance issues, the DGCCRF (French Directorate General for Competition Policy, Consumer Affairs and Fraud Control) has implemented&#8230; <strong>Enhanced controls on CBD products<\/strong> to guarantee the safety and traceability of products on the French market. <strong>Common exclusions for drivers<\/strong> In the field of\n<\/p>\n<p>\ncar insurance, <strong><\/strong> an exclusion clause very frequently stipulates that the driver or the insured third party will not be compensated if the accident occurs while under the influence of drugs. However, even if <strong>CBD alone<\/strong>is not detected in standard police saliva tests, traces of THC could quickly lead to a reclassification as an exclusion of coverage. <strong>This point concerns both the<\/strong> driver&#8217;s coverage\n<\/p>\n\n<h3><span class=\"ez-toc-section\" id=\"and_that_relating_to_the_vehicle_itself_The_exact_scope_of_the_exclusion_depends_heavily_on_the_wording_chosen_by_each_company_and_must_be_checked_line_by_line_in_the\"><\/span>and that relating to the vehicle itself. The exact scope of the exclusion depends heavily on the wording chosen by each company and must be checked line by line in the<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ncar insurance contract. <strong><\/strong>Limits and responsibilities in other insurance policies <strong>Besides<\/strong> car insurance, <strong>other types of contracts may include an exclusion of coverage<\/strong> based on the use of CBD or, more broadly, phytocannabinoids. Home insurance, business multi-risk insurance, and supplemental health insurance sometimes include general clauses that exclude coverage for the use of substances considered controversial.<strong>Faced with these exclusions, a truthful declaration of your use or trade of CBD when taking out a policy ensures that your advisor can provide appropriate expertise. This allows you to obtain suitable coverage that truly reflects the rapid evolution of the cannabidiol market.<\/strong> Check if your contract explicitly mentions &#8220;cannabidiol,&#8221; &#8220;CBD,&#8221; or simply &#8220;narcotics.&#8221;\n<\/p>\n<p>\nDistinguish between exclusions applicable to driving, health, or professional activity.<strong>Request suitable coverage if your use or activity is directly or indirectly related to CBD.<\/strong>Declarations to be made: what insurers really expect <strong>Clearly declaring your relationship with CBD protects against unpleasant surprises when activating your coverage after a claim. Providing this information upfront benefits both you and the insurer, allowing them to adjust pricing and coverage limits. In what situations is this transparency essential?<\/strong>Whether it&#8217;s for occasional use, a medical prescription for cannabidiol, or a business activity related to the sector, clearly disclosing this when signing an insurance contract eliminates the risk of being accused of concealment or misrepresentation. A closer look at car insurance and roadside tests: Roadside checks can trigger a saliva test, which may be positive if traces of THC are present, even if consumption excludes illicit substances. The driver&#8217;s or third-party insured&#8217;s coverage is then seriously compromised. It is advisable to check with your insurance company to ensure that the distinction between CBD and narcotics remains clear in your chosen car insurance policy.\n<\/p>\n\n<h3><\/h3>\n<p>\nTo provide peace of mind for drivers who use CBD, some new policies feature updated clauses to finally integrate this type of consumption from a wellness perspective, without systematically equating CBD with narcotics. <strong><\/strong> Commercial Activities \u2013 Distribution, Retail, Processing<strong>A professional whose business involves CBD must provide all required information from the outset of their contract. Commercial documents, product datasheets, and certifications facilitate obtaining perfectly tailored coverage. Exclusions should be carefully monitored, especially if a court reclassifies the product or activity.<\/strong>Some insurers offer dedicated expertise, taking into account the volatile regulations surrounding cannabidiol, to implement appropriate policies. <strong>Extended guarantees<\/strong> This proactive approach better secures your projects and builds customer loyalty in the face of unforeseen events in the sector.\n<\/p>\n<p>\n <strong>Situation<\/strong> Reporting obligation <strong>Impact on guarantees<\/strong>Personal (legal) consumption <a href=\"https:\/\/www.cbd.fr\/\">Often unnecessary<\/a> Guarantees maintained unless proof of impairment is provided\n<\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"Driving_after_use\"><\/span>Driving after use<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nRequired in case of a positive test <strong>Frequent exclusion<\/strong> CBD trade\/production <strong>Mandatory<\/strong>Guarantee tailored to the business <strong>Frequently asked questions: CBD and insurance, your questions answered<\/strong>Is it mandatory to declare your CBD consumption to your insurer?\n<\/p>\n<p>\nIn general, <strong>personal CBD consumption<\/strong>that complies with the law does not require a specific declaration when taking out a <strong>standard insurance policy.<\/strong>  <a href=\"https:\/\/www.cbd.fr\/blog\/controles-renforces-sur-les-produits-cbd-par-la-dgccrf\/\">However, in the case of multiple uses or if the product contains traces of<\/a> THC,\n<\/p>\n\n<h3><\/h3>\n<p>\nthe situation may change and affect the management of your<strong>guarantees. Honesty is still advised when in doubt, especially when an incident occurs.<\/strong>No formal requirement without suspicion of wrongdoing. <strong>Recommended if CBD is medically prescribed or consumed in high doses.<\/strong> What are the consequences in the event of a car accident involving CBD? <strong>If an accident occurs and tests reveal only legitimate CBD, the warranty exclusion clause related to driving under the influence of drugs will not normally apply. However, a THC level exceeding the legal limit triggers this exclusion; therefore, pay close attention to the traceability of the product consumed.<\/strong> Product consumed\n<\/p>\n<p>\nRisk of exclusion <strong>Pure CBD (&lt;0.3% THC)<\/strong> None, except in aggravating circumstances <strong>High-THC cannabis<\/strong>Automatic exclusion clause\n<\/p>\n\n<h3><span class=\"ez-toc-section\" id=\"Can_CBD_professionals_benefit_from_appropriate_warranties_Yes_there_are_now\"><\/span>Can CBD professionals benefit from appropriate warranties? Yes, there are now<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ninsurance contracts<strong>specifically designed to cover CBD-related activities.<\/strong> <strong>These policies cover professional liability.<\/strong> The loss of business, which the guarantee produces. Seeking advice from an expert broker will help you select the best policy. <strong><\/strong>Professional liability insurance\n<\/p>\n<p>\nCoverage for property damage or bodily injury caused to others <strong>Legal protection for regulatory disputes<\/strong> What documents should be provided for a claim if CBD is used? <strong>It is advisable to have on hand the supporting documents proving the legal nature of the product used:<\/strong> invoice in your name\n<\/p>\n\n<ul>\n  <li><strong>, technical data sheet indicating the THC level<\/strong> , certificate from the distributing company if necessary. These documents facilitate contesting an unfair exclusion in the event of a claim.<\/li>\n  <li> <strong>Product invoice<\/strong> Laboratory analysis or &#8220;broad spectrum&#8221; certificate<\/li>\n  <li>Prescription if for medical use <strong><\/strong> <\/li>\n<\/ul>\n\n<h2><\/h2>\n<p>\n <strong><\/strong>  <strong><\/strong> \n<\/p>\n<p>\n <strong><\/strong> <strong><\/strong>  <strong><\/strong> \n<\/p>\n\n<h3><\/h3>\n<p>\n <strong><\/strong>  <strong><\/strong>  <strong><\/strong>  <strong><\/strong> \n<\/p>\n<p>\n <strong><\/strong>\n<\/p>\n\n<h3><\/h3>\n<p>\n <strong><\/strong>  <strong><\/strong>\n<\/p>\n<p>\n <strong><\/strong> <strong><\/strong>\n<\/p>\n\n<table>\n  <thead>\n    <tr>\n      <th><\/th>\n      <th><\/th>\n      <th><\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td><strong><\/strong><\/td>\n      <td><\/td>\n      <td><\/td>\n    <\/tr>\n    <tr>\n      <td><strong><\/strong><\/td>\n      <td><\/td>\n      <td><\/td>\n    <\/tr>\n    <tr>\n      <td><strong><\/strong><\/td>\n      <td><\/td>\n      <td><\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n<h2><\/h2>\n\n<div>\n\n  <div>\n    <h3><\/h3>\n    <div><div>\n      <p>\n         <strong><\/strong>  <strong><\/strong> <strong><\/strong> <strong><\/strong> <strong><\/strong> \n<\/p>\n      <ul>\n        <li><\/li>\n        <li> <strong><\/strong> <\/li>\n      <\/ul>\n    <\/div><\/div>\n  <\/div>\n\n  <div>\n    <h3><\/h3>\n    <div><div>\n      <p>\n         <strong><\/strong> <strong><\/strong>  <strong><\/strong>  <strong><\/strong> \n<\/p>\n      <table>\n        <tr><td><strong><\/strong><\/td><td><strong><\/strong><\/td><\/tr>\n        <tr><td><\/td><td><\/td><\/tr>\n        <tr><td><\/td><td><\/td><\/tr>\n      <\/table>\n    <\/div><\/div>\n  <\/div>\n\n  <div>\n    <h3><\/h3>\n    <div><div>\n      <p>\n         <strong><\/strong>  <strong><\/strong> <strong><\/strong>\n<\/p>\n      <ul>\n        <li><\/li>\n        <li><\/li>\n        <li><\/li>\n      <\/ul>\n    <\/div><\/div>\n  <\/div>\n\n  <div>\n    <h3><\/h3>\n    <div><div>\n      <p>\n         <strong><\/strong> <strong><\/strong> <strong><\/strong>\n<\/p>\n      <ul>\n        <li><\/li>\n        <li><\/li>\n        <li><\/li>\n      <\/ul>\n    <\/div><\/div>\n  <\/div>\n\n<\/div>\n\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-left kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;15231&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Notez cet article&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Insurance and CBD: guarantees, exclusions, what to declare when subscribing?&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; 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Whether you consume cannabidiol legally or are considering selling it, certain points warrant particular attention. In insurance, transparency prevents unpleasant surprises in the event of a claim. Between exclusions of coverage, reporting obligations, and specific risk criteria related [&hellip;]<\/p>\n","protected":false},"author":90,"featured_media":13957,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[1019],"tags":[],"class_list":["post-15231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-around-the-cbd-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance and CBD: guarantees, exclusions, what to declare when subscribing? - CBD Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cbd.fr\/blog\/en\/insurance-and-cbd-guarantees-exclusions-what-to-declare-when-subscribing\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud83c\udf31Insurance and CBD: guarantees, exclusions, what to declare when subscribing? - CBD.fr \ud83c\udf31\" \/>\n<meta property=\"og:description\" content=\"The rise of CBD and its wellness uses raises unprecedented questions for both policyholders and insurance companies. 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