1 00:00:03,000 --> 00:00:05,600 Speaker 1: It's now time for Cannabis Talk one oh one with 2 00:00:05,680 --> 00:00:09,319 Speaker 1: Blue Joe Grande and Mark and Craig Wasserman The Pot 3 00:00:09,320 --> 00:00:12,360 Speaker 1: Brothers at Law. We're the world's number one podcast for 4 00:00:12,440 --> 00:00:16,000 Speaker 1: everything cannabis. It's Cannabis Talk one on one with Blue 5 00:00:16,079 --> 00:00:18,680 Speaker 1: Joe Grande and Mark and Craig Washerman the Pop Brothers 6 00:00:18,720 --> 00:00:20,400 Speaker 1: at Law. Whop. You guys are having a great day 7 00:00:20,440 --> 00:00:22,800 Speaker 1: out there. Thank you for listening to our podcast and 8 00:00:22,960 --> 00:00:24,319 Speaker 1: if you ever want to be a part of the show, 9 00:00:24,440 --> 00:00:30,320 Speaker 1: call us up eight hundred. Number again is eight. Make 10 00:00:30,320 --> 00:00:32,440 Speaker 1: sure you follow us online at Cannabis Talk one oh 11 00:00:32,520 --> 00:00:36,600 Speaker 1: one at Pot Underscore Brothers Underscore at Underscore Law and 12 00:00:36,760 --> 00:00:39,720 Speaker 1: Mark little brother. He's on vacation with his family right now, 13 00:00:40,000 --> 00:00:43,440 Speaker 1: so's nice, must be nice, must be very nice. You 14 00:00:43,440 --> 00:00:45,120 Speaker 1: could met of beat go over there and said a 15 00:00:45,120 --> 00:00:47,640 Speaker 1: metchag at wash Law, go ahead, and then if you 16 00:00:47,640 --> 00:00:49,320 Speaker 1: want to get all the big brother Craig right here. 17 00:00:49,360 --> 00:00:53,479 Speaker 1: He's never on vacation, never off the show. Maybe you 18 00:00:53,520 --> 00:00:56,000 Speaker 1: always take the micromuniers, always down to do it, which 19 00:00:56,000 --> 00:00:58,480 Speaker 1: I love that life I only miss if I absolutely 20 00:00:59,560 --> 00:01:02,400 Speaker 1: that's not two people have really you know, where's Craig Washman. 21 00:01:02,400 --> 00:01:04,440 Speaker 1: I haven't heard him for the last four show. He 22 00:01:04,560 --> 00:01:08,520 Speaker 1: is at wash Log Blue is Christopher Wright and I 23 00:01:08,560 --> 00:01:11,880 Speaker 1: am at Joe Grande. And we appreciate you guys who 24 00:01:11,920 --> 00:01:13,800 Speaker 1: have been listening to the show and following us all 25 00:01:13,800 --> 00:01:16,800 Speaker 1: over the world, which is great to get these statistics, 26 00:01:16,840 --> 00:01:19,559 Speaker 1: Craig that people from all over the world are tuning 27 00:01:19,560 --> 00:01:22,680 Speaker 1: into us. I just realized somebody from Russia and like 28 00:01:23,040 --> 00:01:25,720 Speaker 1: crazy places and I'm like, really, people from there are 29 00:01:25,760 --> 00:01:29,880 Speaker 1: listening to this ra there as well. Ukraine, we really 30 00:01:29,920 --> 00:01:33,000 Speaker 1: do have a Ukraine. Nigeria. I think we have one 31 00:01:33,040 --> 00:01:35,520 Speaker 1: in Nigeria. I think his name is Pitt. Look at it, 32 00:01:35,520 --> 00:01:38,760 Speaker 1: Pitt Raizy. I said, Nigeria, my Nigerian brother. You have 33 00:01:38,880 --> 00:01:40,759 Speaker 1: some Nigerian and you two, didn't you? Yeah? He did? 34 00:01:40,760 --> 00:01:42,440 Speaker 1: He did that thirty two of me or whatever it is. 35 00:01:42,760 --> 00:01:45,040 Speaker 1: And uh, but anyways, be a part of the show. 36 00:01:45,400 --> 00:01:47,240 Speaker 1: And I give us a call. We actually got a voicemail. 37 00:01:47,280 --> 00:01:49,480 Speaker 1: We're bringing somebody in that left us a voicemail. We're 38 00:01:49,480 --> 00:01:51,360 Speaker 1: gonna play this voicemail real quick, pick. Can you play 39 00:01:51,360 --> 00:01:53,920 Speaker 1: the voicemail so everybody could hear it? How wonderful this 40 00:01:53,920 --> 00:01:57,320 Speaker 1: guy is? Hi, guys, this is Den Benjamin Landoverde. I'm 41 00:01:57,360 --> 00:02:00,880 Speaker 1: with O G Cannabis Insurance. What's up, Lou, what's up? 42 00:02:01,000 --> 00:02:03,760 Speaker 1: Mark Craig? Help all as well? And everybody's healthy? And 43 00:02:03,840 --> 00:02:07,080 Speaker 1: Joe what's up? Man Um. I just basically want to 44 00:02:07,080 --> 00:02:08,720 Speaker 1: just call in and make a comment. With all this 45 00:02:08,760 --> 00:02:11,240 Speaker 1: stuff going on with the civil unrest or right and 46 00:02:11,280 --> 00:02:15,560 Speaker 1: moving that's going on, a lot of dispensaries being affected 47 00:02:15,600 --> 00:02:18,120 Speaker 1: by it. There was a lot of misconception or a 48 00:02:18,120 --> 00:02:20,959 Speaker 1: lot of information out there that was false or not 49 00:02:21,280 --> 00:02:23,960 Speaker 1: fully true where the news was spreading about as far 50 00:02:23,960 --> 00:02:25,959 Speaker 1: as insurance goes, what I do, what's covered and not 51 00:02:26,480 --> 00:02:29,560 Speaker 1: And basically I just want to reassure any other listeners 52 00:02:29,639 --> 00:02:33,160 Speaker 1: or anybody who is a cannabis operator of any kind, 53 00:02:33,320 --> 00:02:35,440 Speaker 1: you know your insurance should be able to cover it. 54 00:02:35,960 --> 00:02:40,119 Speaker 1: If the procuring cause was death or robbery, even though 55 00:02:40,240 --> 00:02:42,440 Speaker 1: you know it originated from people being out there and 56 00:02:42,440 --> 00:02:46,239 Speaker 1: and and looting and writing that the primary causes death 57 00:02:46,400 --> 00:02:49,320 Speaker 1: and robbery, that should be how claims should be filed 58 00:02:49,320 --> 00:02:52,800 Speaker 1: and more information should be um given out or if 59 00:02:52,840 --> 00:02:55,280 Speaker 1: you want to get more information, you guys could contact 60 00:02:55,320 --> 00:02:58,440 Speaker 1: me Ben at O G Cannabis Insurance, or you know, 61 00:02:58,480 --> 00:03:01,000 Speaker 1: just go to O G Cannabis Insurance dot com. But 62 00:03:01,120 --> 00:03:04,359 Speaker 1: I appreciate you guys. I'm always watching every YouTube video 63 00:03:04,400 --> 00:03:06,000 Speaker 1: of you guys. I haven't seen you guys in a while, 64 00:03:06,080 --> 00:03:09,360 Speaker 1: but everybody's looking good. And um, keep doing what you're 65 00:03:09,400 --> 00:03:12,320 Speaker 1: doing because you know, I'm paying attention and I'm sure 66 00:03:12,320 --> 00:03:14,120 Speaker 1: a lot of people are too, and we appreciate all 67 00:03:14,120 --> 00:03:16,880 Speaker 1: the work you guys do. Thank you once again, take 68 00:03:16,880 --> 00:03:20,679 Speaker 1: care and that right there, folks, that's actually the O G. 69 00:03:21,680 --> 00:03:25,079 Speaker 1: Benny Cannabis Insurance, of course, and ladies and gentlemen joined 70 00:03:25,120 --> 00:03:27,880 Speaker 1: us today Benny Green and insurance broker from O G 71 00:03:28,120 --> 00:03:31,440 Speaker 1: Cannabis Insurance. He said. His website is o G Cannabis 72 00:03:31,520 --> 00:03:35,200 Speaker 1: Business Insurance dot com. Thank you for joining us and 73 00:03:35,280 --> 00:03:38,120 Speaker 1: leaving that voicemail. Man, how are you? I'm doing well, 74 00:03:38,440 --> 00:03:41,680 Speaker 1: uh O G Cannabis Insurance dot com. But thank you. 75 00:03:41,920 --> 00:03:43,480 Speaker 1: I knew if I knew, I screwed that up to 76 00:03:43,640 --> 00:03:45,320 Speaker 1: as my eyes went all quicket, I feel like I 77 00:03:45,360 --> 00:03:48,400 Speaker 1: got punched in the eye or something like that. But yeah, 78 00:03:48,480 --> 00:03:51,280 Speaker 1: O G Cannabis Insurance, thank you very much for clarifying 79 00:03:51,400 --> 00:03:54,760 Speaker 1: that and off the top your voicemail that we've got, 80 00:03:54,800 --> 00:03:56,960 Speaker 1: you know, we're thinking about and we're talking about riots, 81 00:03:56,960 --> 00:03:59,360 Speaker 1: and we mentioned that on the show at one point 82 00:03:59,360 --> 00:04:01,840 Speaker 1: about insures, and that's what led you to call us, 83 00:04:01,880 --> 00:04:04,520 Speaker 1: which is dopely Thank you for listening to the podcast. 84 00:04:04,640 --> 00:04:06,760 Speaker 1: And for those who don't know, we've actually met Ben 85 00:04:06,800 --> 00:04:08,960 Speaker 1: at many events and been talking to him for years, 86 00:04:09,000 --> 00:04:11,440 Speaker 1: so he's one of our go to insurance guys in 87 00:04:11,440 --> 00:04:14,640 Speaker 1: the cannabis game. But explain a little more in detail 88 00:04:14,800 --> 00:04:17,159 Speaker 1: to people who don't understand that, because I hear what 89 00:04:17,200 --> 00:04:20,440 Speaker 1: you're saying, and is people who file a claim they 90 00:04:20,480 --> 00:04:23,240 Speaker 1: say it was because of the riots, then they're not 91 00:04:23,279 --> 00:04:27,680 Speaker 1: going to get the claim. Well, yeah, so it's really 92 00:04:27,720 --> 00:04:32,159 Speaker 1: particular to what coverages you have with your policy. I 93 00:04:32,200 --> 00:04:35,120 Speaker 1: guess it starts off knowing your policy, what's covered and 94 00:04:35,160 --> 00:04:38,480 Speaker 1: what's not, and then also you've got to be particular 95 00:04:38,720 --> 00:04:42,440 Speaker 1: and exactly what you're saying to your agent and or 96 00:04:42,520 --> 00:04:46,040 Speaker 1: broker and how that's being relayed over to the insurance carrier. 97 00:04:46,360 --> 00:04:48,360 Speaker 1: So if you say, hey, some people broke in last 98 00:04:48,480 --> 00:04:51,039 Speaker 1: night and took a bunch of my stuff and broke 99 00:04:51,080 --> 00:04:54,640 Speaker 1: all my display cases and took about fifty dollars worth 100 00:04:54,680 --> 00:04:57,680 Speaker 1: of our inventory, if all that's covered in your policy, 101 00:04:57,920 --> 00:05:00,760 Speaker 1: And that sounds like it's always up to the claim 102 00:05:00,839 --> 00:05:04,000 Speaker 1: department to make the decision if it was there or what. 103 00:05:04,520 --> 00:05:06,279 Speaker 1: So as long as you just laid out that way, 104 00:05:06,560 --> 00:05:09,160 Speaker 1: you should be covered. Yeah, you just can't say that 105 00:05:09,240 --> 00:05:11,720 Speaker 1: I was looted and there was a riot. They're gonna 106 00:05:11,960 --> 00:05:14,200 Speaker 1: probably try to deny They try to deny it anyways, 107 00:05:14,560 --> 00:05:15,880 Speaker 1: So you don't want to give them anything to try 108 00:05:15,920 --> 00:05:18,599 Speaker 1: to deny it with. So it's important that you have 109 00:05:18,640 --> 00:05:21,240 Speaker 1: an agent that actually knows how to submit a claim 110 00:05:21,279 --> 00:05:23,440 Speaker 1: and make sure you know the best possible way to 111 00:05:23,480 --> 00:05:27,679 Speaker 1: submit it. And uh, yep, that's absolutely right. What about 112 00:05:27,760 --> 00:05:30,680 Speaker 1: just gonna you know, And I mean the key thing 113 00:05:30,800 --> 00:05:35,479 Speaker 1: is having the right relationship which your insurance broker, because 114 00:05:35,760 --> 00:05:38,320 Speaker 1: you have the conversation with him before that gets submitted 115 00:05:38,360 --> 00:05:40,760 Speaker 1: to the claim department, then you guys could kind of 116 00:05:41,120 --> 00:05:43,800 Speaker 1: come at it in the same page and understand that 117 00:05:44,360 --> 00:05:47,080 Speaker 1: make sure it gets paid out because yeah, they're gonna 118 00:05:47,120 --> 00:05:48,520 Speaker 1: look for a way not to pay you or pay 119 00:05:48,520 --> 00:05:53,799 Speaker 1: you less or do something. You know. What about business interruption? Yeah, 120 00:05:53,880 --> 00:05:57,159 Speaker 1: so a great question that is usually included in the 121 00:05:57,200 --> 00:06:01,000 Speaker 1: property section of an insurance policy. So loss of business 122 00:06:01,040 --> 00:06:04,560 Speaker 1: income is something that should be included in every policy. 123 00:06:04,800 --> 00:06:07,279 Speaker 1: But once again, it depends if you bought it or 124 00:06:07,279 --> 00:06:09,960 Speaker 1: if you included in your policy when you started it, 125 00:06:10,040 --> 00:06:13,320 Speaker 1: started it, or added it at some point. But usually 126 00:06:13,320 --> 00:06:16,840 Speaker 1: you could cover up to UH you know, six months, 127 00:06:16,920 --> 00:06:18,680 Speaker 1: up to eight months, even up to the year, depending 128 00:06:18,680 --> 00:06:21,719 Speaker 1: how long it takes to renovate your your your location, 129 00:06:21,760 --> 00:06:24,680 Speaker 1: your property, and you can have your income replaced depending 130 00:06:24,720 --> 00:06:28,640 Speaker 1: on what you're projected annual revenues were on the application. Now, 131 00:06:28,720 --> 00:06:34,000 Speaker 1: I just out of curiosity, does that apply to UH? 132 00:06:34,120 --> 00:06:37,239 Speaker 1: If a cannabis business had to shut down due to COVID, 133 00:06:38,080 --> 00:06:42,159 Speaker 1: would that be covered under Business interruption Insurance? Well, it 134 00:06:42,200 --> 00:06:45,400 Speaker 1: depends on what you're claiming for. Yes, it's gonna go 135 00:06:45,520 --> 00:06:49,000 Speaker 1: case by case and how you submit it to the 136 00:06:49,000 --> 00:06:51,680 Speaker 1: the claim department. Once again, but it should be something 137 00:06:51,720 --> 00:06:53,960 Speaker 1: that is covered. There's a lot of claims going in 138 00:06:54,040 --> 00:06:56,960 Speaker 1: right now for that same reason. Whether they're being paid 139 00:06:56,960 --> 00:06:59,720 Speaker 1: out or not, it depends how things are played out, 140 00:07:00,080 --> 00:07:02,680 Speaker 1: UM and what's being said and what documentation has provided. 141 00:07:02,720 --> 00:07:05,520 Speaker 1: But long story short, yes it should be. We're talking 142 00:07:05,560 --> 00:07:08,919 Speaker 1: to Benny Green from o G Cannabis Insurance. Benny, what 143 00:07:08,960 --> 00:07:13,360 Speaker 1: did you see personally from all these things that happened 144 00:07:13,360 --> 00:07:17,440 Speaker 1: in different cities of clients that you've had, well, you know, 145 00:07:17,520 --> 00:07:20,360 Speaker 1: we're licensed in six team states, so we have clients 146 00:07:20,360 --> 00:07:23,720 Speaker 1: through the East coast, the whole West coast, uh, Midwest 147 00:07:23,760 --> 00:07:26,400 Speaker 1: now and everything, so it was a little different. Obviously 148 00:07:26,440 --> 00:07:29,880 Speaker 1: here in l A and California, there was more people 149 00:07:30,000 --> 00:07:34,040 Speaker 1: riding where you know, you have more dispensaries. So as 150 00:07:34,040 --> 00:07:36,600 Speaker 1: soon as we started seeing the protests and then we 151 00:07:36,600 --> 00:07:39,440 Speaker 1: started seeing looting, my phone started blowing up. I started 152 00:07:39,440 --> 00:07:43,120 Speaker 1: getting text messages, emails and calls, Hey is my insurance covering? Hey? 153 00:07:43,120 --> 00:07:45,200 Speaker 1: Am I covered for here there? So a lot of 154 00:07:45,200 --> 00:07:47,040 Speaker 1: people were worried and saying, hey, do I have the 155 00:07:47,120 --> 00:07:50,640 Speaker 1: right coverage. So at that point we had to start 156 00:07:50,720 --> 00:07:53,480 Speaker 1: working kind of backwards. If they didn't have coverage for 157 00:07:53,520 --> 00:07:57,440 Speaker 1: what they were worried about, their inventory or whatever, we 158 00:07:57,520 --> 00:08:00,160 Speaker 1: had to go and request that to be underwritten. And 159 00:08:00,480 --> 00:08:04,800 Speaker 1: the insurance carriers, of course they're noticing it too, they're 160 00:08:05,120 --> 00:08:10,280 Speaker 1: kinda either knna ask for more documentation. So it was 161 00:08:10,640 --> 00:08:12,720 Speaker 1: it was a crazy thing to see. Man. That's why 162 00:08:12,760 --> 00:08:16,640 Speaker 1: it's always better to be prepared beforehand for you know, 163 00:08:16,680 --> 00:08:18,520 Speaker 1: things like this, But yeah, it was it was a 164 00:08:18,520 --> 00:08:21,720 Speaker 1: crazy thing when it was happening. Hence it's the term insurance. 165 00:08:21,760 --> 00:08:25,600 Speaker 1: We all have it for medical, auto, home, you name it. 166 00:08:25,680 --> 00:08:27,480 Speaker 1: We have. If you have a pool in your backyard, 167 00:08:27,480 --> 00:08:29,400 Speaker 1: you're screwed. If somebody falls in there, breaks in your 168 00:08:29,400 --> 00:08:31,640 Speaker 1: house and you're screwed. Oh my god, I fell in 169 00:08:31,680 --> 00:08:35,480 Speaker 1: my pool. It's like, if it happens, if it doesn't, 170 00:08:35,720 --> 00:08:38,000 Speaker 1: we better shoot them a lot of protection money over 171 00:08:38,040 --> 00:08:40,880 Speaker 1: the years, because that's what insurance is. Love you, I 172 00:08:41,240 --> 00:08:43,840 Speaker 1: live off insurance companies as well as part of my 173 00:08:43,840 --> 00:08:46,959 Speaker 1: my my business law practice. But yeah, I mean they 174 00:08:47,000 --> 00:08:49,680 Speaker 1: have all the money and they try not to pay 175 00:08:49,720 --> 00:08:52,040 Speaker 1: it out in claims. But if you do things right 176 00:08:52,120 --> 00:08:55,480 Speaker 1: across your tees, dot your eyes, you know, for acclaims 177 00:08:55,520 --> 00:08:57,240 Speaker 1: such as you're talking about, you know what you're doing, 178 00:08:57,760 --> 00:09:02,000 Speaker 1: that's gonna happen. But they try to deny everything everything, 179 00:09:02,080 --> 00:09:04,360 Speaker 1: and then they'll take that hit when they get hit 180 00:09:04,400 --> 00:09:07,520 Speaker 1: with a big award from a jury because they were fox. Yeah. 181 00:09:07,800 --> 00:09:11,160 Speaker 1: What have you seen so far that you would say, oh, 182 00:09:11,240 --> 00:09:13,720 Speaker 1: this has been great and so happy that my client 183 00:09:13,840 --> 00:09:17,199 Speaker 1: had this coverage? Is there one thing in particular so far? 184 00:09:18,280 --> 00:09:22,600 Speaker 1: I think the biggest saved so far? Well, you know, 185 00:09:22,640 --> 00:09:26,680 Speaker 1: because the stuff you could prevent, like inventory, like theft 186 00:09:26,679 --> 00:09:29,000 Speaker 1: and robbery, you could you could prevent that to a 187 00:09:29,000 --> 00:09:32,160 Speaker 1: certain extent if you have security guards or overnight like 188 00:09:32,200 --> 00:09:34,640 Speaker 1: the right type of alarm system and things like that. Right, 189 00:09:34,640 --> 00:09:36,760 Speaker 1: so to an extent you can, I mean not necessarily 190 00:09:36,800 --> 00:09:39,120 Speaker 1: if they're going in there ransack in the place. So 191 00:09:39,320 --> 00:09:42,280 Speaker 1: the thing is like the blind side. Like one insurances 192 00:09:42,320 --> 00:09:44,640 Speaker 1: that come through is like workers Camp. You have a 193 00:09:44,679 --> 00:09:47,880 Speaker 1: worker who is a delivery let's say, and they get 194 00:09:47,920 --> 00:09:50,720 Speaker 1: in a car accident, they get injuried. Now now you 195 00:09:50,800 --> 00:09:53,880 Speaker 1: have medical bills that they're looking to you, the employer, 196 00:09:53,960 --> 00:09:57,520 Speaker 1: to collect on workers can. Workers Comp came through and 197 00:09:57,559 --> 00:10:01,080 Speaker 1: saved the day. Another good example is let you just 198 00:10:01,360 --> 00:10:05,240 Speaker 1: hired someone and you fired that person. Now that person 199 00:10:05,320 --> 00:10:09,600 Speaker 1: is coming back and say you discriminated and wrongfully terminated me. 200 00:10:09,840 --> 00:10:12,920 Speaker 1: I'm gonna sue you for that, versus having to come 201 00:10:12,920 --> 00:10:15,040 Speaker 1: out of your pocket to go seek legal counsel and 202 00:10:15,080 --> 00:10:19,079 Speaker 1: things like that. That type of insurance employer practices liability 203 00:10:19,400 --> 00:10:22,920 Speaker 1: response for those type of things. So it's basically the 204 00:10:22,960 --> 00:10:26,319 Speaker 1: blindsided type of insurances that you're not expecting that are 205 00:10:26,360 --> 00:10:28,400 Speaker 1: the best that saves the day, because like I said, 206 00:10:28,440 --> 00:10:30,560 Speaker 1: all this stuff you can mitigate the risk, like security, 207 00:10:30,920 --> 00:10:33,000 Speaker 1: all this other stuff like that stuff. What about what 208 00:10:33,440 --> 00:10:37,440 Speaker 1: about Berner who's told a security guards to stand sound, 209 00:10:37,559 --> 00:10:40,720 Speaker 1: to step aside and stand down when it was getting 210 00:10:40,800 --> 00:10:44,400 Speaker 1: ransacked because you know, life wasn't worth product. I mean, 211 00:10:44,440 --> 00:10:46,200 Speaker 1: I think he made the right decision, But I'm just 212 00:10:46,320 --> 00:10:51,040 Speaker 1: curious as to from a insurance standpoint, you know how 213 00:10:51,080 --> 00:10:53,559 Speaker 1: you would present that people broke in. You have to 214 00:10:53,600 --> 00:10:56,960 Speaker 1: put in there the security cards stood down because they 215 00:10:57,000 --> 00:11:01,000 Speaker 1: weren't hired to kill people, right, So the security guards 216 00:11:01,280 --> 00:11:03,920 Speaker 1: it depends what capacity, Like I ensure security guards to 217 00:11:04,280 --> 00:11:10,360 Speaker 1: who uh doing who secure like cannabis operations? And uh, 218 00:11:10,559 --> 00:11:13,240 Speaker 1: it depends to if their insurance policy doesn't have like 219 00:11:13,280 --> 00:11:16,120 Speaker 1: an assault in battery clause where it will cover them 220 00:11:16,160 --> 00:11:18,520 Speaker 1: if they have to do their job. They might be 221 00:11:19,200 --> 00:11:21,480 Speaker 1: s ol if someone goes against them and say, hey man, 222 00:11:21,520 --> 00:11:23,320 Speaker 1: you broke my jaw off for me trying to break in, 223 00:11:23,559 --> 00:11:25,520 Speaker 1: and they could come back on them. So, I mean 224 00:11:25,679 --> 00:11:27,880 Speaker 1: Berner did the right thing in a sense where I'm 225 00:11:27,880 --> 00:11:30,319 Speaker 1: talking about his product, because they took all of products. 226 00:11:30,320 --> 00:11:33,959 Speaker 1: So is that covered? Yeah? I mean if your products insured, 227 00:11:34,040 --> 00:11:35,920 Speaker 1: it's like you. You're not gonna run into your house 228 00:11:35,960 --> 00:11:38,839 Speaker 1: that's burning up and go get your fur coat. You're 229 00:11:38,840 --> 00:11:40,840 Speaker 1: gonna say, hey, it's covered by the insurance, was the 230 00:11:40,880 --> 00:11:44,560 Speaker 1: insurance companies. So they're not they're not going to hold 231 00:11:44,559 --> 00:11:49,640 Speaker 1: it against him. They shouldn't. They shouldn't. I would hope not, 232 00:11:49,679 --> 00:11:52,960 Speaker 1: but they probably will try. City exactly sitting down with you, 233 00:11:53,000 --> 00:11:55,240 Speaker 1: as we're talking with Benny Green from O G Cannabis 234 00:11:55,280 --> 00:11:58,800 Speaker 1: Insurance is sitting down with you almost like a consultation 235 00:11:58,920 --> 00:12:01,640 Speaker 1: for somebody that's starting to in business of this is 236 00:12:01,679 --> 00:12:04,920 Speaker 1: everything you can get, you can get covered. So it's 237 00:12:04,920 --> 00:12:09,120 Speaker 1: almost like you gotta pick and choose. But yeah, I 238 00:12:09,160 --> 00:12:11,000 Speaker 1: mean that's a good way to put it. There's a checklist. 239 00:12:11,040 --> 00:12:14,240 Speaker 1: I always put in the priority of compliance because the 240 00:12:14,240 --> 00:12:17,360 Speaker 1: biggest thing with the license operation, as they all know, 241 00:12:17,840 --> 00:12:20,560 Speaker 1: is the regulation and compliance is a big thing where 242 00:12:20,559 --> 00:12:22,480 Speaker 1: you can lose and it's it's a hard thing just 243 00:12:22,520 --> 00:12:26,600 Speaker 1: to get to that point. So there's compliance insurance required 244 00:12:26,640 --> 00:12:32,000 Speaker 1: by the Bureau Cannabis Control BCC, the California Department Food Agriculture, 245 00:12:32,320 --> 00:12:34,880 Speaker 1: and then the California Department of Public Health, depending what 246 00:12:35,360 --> 00:12:38,360 Speaker 1: operation you have, right, So I always tell them the 247 00:12:38,360 --> 00:12:42,240 Speaker 1: first thing you want is compliant insurance, which is general liability. 248 00:12:42,400 --> 00:12:45,040 Speaker 1: If you have employees on payroll, you need workers calm. 249 00:12:45,360 --> 00:12:50,200 Speaker 1: That's all UH required insurance. Then if you're a delivery 250 00:12:50,320 --> 00:12:53,480 Speaker 1: or driving transportation type of thing, they might require you 251 00:12:53,960 --> 00:12:57,199 Speaker 1: from the city or the local municipality where you got 252 00:12:57,200 --> 00:13:01,120 Speaker 1: your license from. They might require likes to Mason requires 253 00:13:01,120 --> 00:13:05,959 Speaker 1: it BOMBI uh, city of Hysperia. What about Amadis is 254 00:13:06,000 --> 00:13:08,920 Speaker 1: that a state as well for part of those you 255 00:13:08,960 --> 00:13:11,200 Speaker 1: know what California, if you can imagine, it is the 256 00:13:11,240 --> 00:13:14,599 Speaker 1: most stringent and they have the most requirements that it 257 00:13:14,679 --> 00:13:17,280 Speaker 1: breaks down from the city right the county and from 258 00:13:17,360 --> 00:13:21,079 Speaker 1: state for you to be fully confined. Like in instance, 259 00:13:21,200 --> 00:13:25,600 Speaker 1: in Oklahoma, they just verily started into many UH testing 260 00:13:26,280 --> 00:13:30,040 Speaker 1: testing requirements, UH like I don't know six months ago 261 00:13:30,200 --> 00:13:33,800 Speaker 1: or so, and and other states they don't have them. 262 00:13:33,800 --> 00:13:37,360 Speaker 1: I mean in Chicago, Illinois bags have requirements Saint kind 263 00:13:37,360 --> 00:13:40,559 Speaker 1: of following the same two UH generalize Elian work for 264 00:13:40,679 --> 00:13:42,840 Speaker 1: tomp and then the depending on what type of operators 265 00:13:42,920 --> 00:13:45,400 Speaker 1: you have to say, it vary. A man's very even 266 00:13:45,440 --> 00:13:48,200 Speaker 1: here they have varies. He goes by the city states 267 00:13:48,240 --> 00:13:50,240 Speaker 1: as Croxton, but the city can have more than the 268 00:13:50,320 --> 00:13:52,440 Speaker 1: stay acquires. Just take a break. We quick. We are 269 00:13:52,520 --> 00:13:55,400 Speaker 1: Benny Green from o G Cannabis Insurance, will be right back. 270 00:13:55,400 --> 00:13:56,839 Speaker 1: I got some more questions before you've been to hold 271 00:13:56,880 --> 00:14:05,559 Speaker 1: on a second. Okay, we got Benny on from o 272 00:14:05,760 --> 00:14:09,360 Speaker 1: G Cannabis Insurance. So Benny, as somebody sits down and 273 00:14:09,440 --> 00:14:11,559 Speaker 1: wants to do a consultation. If you think go to 274 00:14:11,640 --> 00:14:14,160 Speaker 1: o Gee Cannabis and church dot com, how long do 275 00:14:14,280 --> 00:14:16,559 Speaker 1: you say it takes to get insurance? Because I know 276 00:14:16,679 --> 00:14:18,920 Speaker 1: of a guy that called an insurance company wanted to 277 00:14:19,000 --> 00:14:22,640 Speaker 1: get like seventeen dispensaries and twenty six grows insured today 278 00:14:23,040 --> 00:14:28,040 Speaker 1: and he was told no, Yeah, So I mean if 279 00:14:28,040 --> 00:14:30,600 Speaker 1: if I can't get my seventeen so I called him, 280 00:14:30,600 --> 00:14:32,320 Speaker 1: We're not him knowing it was me earlier today, and 281 00:14:32,520 --> 00:14:34,640 Speaker 1: I go, yes, I'm calling to get you know, seventeen 282 00:14:34,680 --> 00:14:37,360 Speaker 1: dispensaries and fourteen grows. Can I get to Saturday? He 283 00:14:37,440 --> 00:14:43,840 Speaker 1: looks absolutely not. So what that process looks like? I'm 284 00:14:43,840 --> 00:14:46,360 Speaker 1: a sad tuter. Uh, there's no reason for me to. 285 00:14:47,680 --> 00:14:51,680 Speaker 1: The eat could be as fans parents possible with my buient. 286 00:14:51,960 --> 00:14:53,560 Speaker 1: So it all plays out for a day. At the 287 00:14:53,640 --> 00:14:56,040 Speaker 1: end of once it gets to the court, that's where 288 00:14:56,120 --> 00:14:58,520 Speaker 1: everything hits the fan. And yeah, that's all well, right 289 00:14:58,600 --> 00:15:04,520 Speaker 1: once again. But basically, you just want to when we 290 00:15:04,640 --> 00:15:08,480 Speaker 1: have a conversation with a client, it's it's usually like 291 00:15:08,560 --> 00:15:10,520 Speaker 1: the two to three day turn around to get a quote. 292 00:15:10,960 --> 00:15:14,640 Speaker 1: And um, and I'm sorry, reiterate the question again. How 293 00:15:14,720 --> 00:15:16,440 Speaker 1: long would it take? And I was exaggerating when I 294 00:15:16,480 --> 00:15:18,480 Speaker 1: called you eler asked for a seventeen dispense and all that. 295 00:15:18,720 --> 00:15:20,440 Speaker 1: But say I want a dispensary, or I have a 296 00:15:20,520 --> 00:15:23,000 Speaker 1: delivery service, or I have some type of company, just 297 00:15:23,120 --> 00:15:25,520 Speaker 1: you know one, and I want to get insurance. What's 298 00:15:25,560 --> 00:15:29,280 Speaker 1: that process look like for me? One or two days 299 00:15:29,440 --> 00:15:32,040 Speaker 1: a week? It really that's what you're dealing with, honestly, 300 00:15:32,360 --> 00:15:36,000 Speaker 1: because a lot of these UM applications for the cannabis 301 00:15:36,440 --> 00:15:39,240 Speaker 1: are cannabis you know oriented or you know that type 302 00:15:39,280 --> 00:15:42,120 Speaker 1: of deal with oriented. So if you have agents who 303 00:15:42,160 --> 00:15:44,960 Speaker 1: are UM don't have too much experience with it, they 304 00:15:45,080 --> 00:15:47,680 Speaker 1: might be going back and forth with underwriting because they 305 00:15:47,720 --> 00:15:50,960 Speaker 1: didn't fill out applications right, and that might take the longer. Right. 306 00:15:51,000 --> 00:15:53,920 Speaker 1: That'd be one thing, UM. The other thing is having 307 00:15:53,960 --> 00:15:57,760 Speaker 1: all the information needed. Sometimes clients are you know, if 308 00:15:57,800 --> 00:16:00,320 Speaker 1: you're if you're a business operator, you're on in a 309 00:16:00,360 --> 00:16:02,640 Speaker 1: million miles an hour, and sometimes you don't have all 310 00:16:02,640 --> 00:16:06,160 Speaker 1: the information you forget so but I mean if every 311 00:16:06,280 --> 00:16:08,840 Speaker 1: in a perfect day, in a perfect time and everything 312 00:16:08,960 --> 00:16:12,240 Speaker 1: set it usually takes to business days three business days 313 00:16:12,280 --> 00:16:15,080 Speaker 1: to get a quote, depending on what you need. Sometimes 314 00:16:15,080 --> 00:16:17,280 Speaker 1: I could get you like the sharty bond. That was 315 00:16:17,280 --> 00:16:19,840 Speaker 1: another thing I left out. Actually a shirrety bond is 316 00:16:19,880 --> 00:16:23,680 Speaker 1: something that's required for your UM state licensing as well, 317 00:16:24,160 --> 00:16:27,320 Speaker 1: and that usually could get done within a couple of hours. 318 00:16:27,800 --> 00:16:30,360 Speaker 1: And uh commercial auto I could get that done in 319 00:16:30,400 --> 00:16:33,120 Speaker 1: the same day too. But the other stuff like workers 320 00:16:33,240 --> 00:16:37,440 Speaker 1: comp general liability, product liability, crop insurance, all that usually 321 00:16:37,520 --> 00:16:40,160 Speaker 1: takes to the three business days to get it all 322 00:16:40,400 --> 00:16:43,520 Speaker 1: all set up. What other insurances are you seeing within 323 00:16:43,600 --> 00:16:47,240 Speaker 1: the dispensary, Like I didn't realize that a security officer 324 00:16:47,360 --> 00:16:50,440 Speaker 1: can be ensured at the dispensary. What other types of 325 00:16:50,520 --> 00:16:54,920 Speaker 1: insurances are their offer to dispensaries out there? Are cannabis industry, 326 00:16:54,960 --> 00:16:59,640 Speaker 1: overall growers, cultivation, I mean it could be a lab everything, yeah, 327 00:16:59,760 --> 00:17:03,920 Speaker 1: right is the security guard at the lab. Insurance policies 328 00:17:03,960 --> 00:17:06,600 Speaker 1: are only as good as their exclusion for them, right, 329 00:17:06,960 --> 00:17:09,600 Speaker 1: And that's one thing we really pay attention to us 330 00:17:09,640 --> 00:17:11,800 Speaker 1: here at o G Cannabis Insurance, we try to pay 331 00:17:11,800 --> 00:17:15,080 Speaker 1: attention to what's not covered because then it's easy to 332 00:17:15,160 --> 00:17:17,159 Speaker 1: know what is. But then when you need to use it, 333 00:17:17,280 --> 00:17:21,320 Speaker 1: what's not gonna be covered is really important. So, um, 334 00:17:21,560 --> 00:17:25,440 Speaker 1: we could we cover everything from laboratories laboratory. Every situation 335 00:17:25,520 --> 00:17:27,960 Speaker 1: is going to have different needs, you know. Um, Like 336 00:17:28,080 --> 00:17:30,040 Speaker 1: I said, first thing, a lot of money when you're 337 00:17:30,080 --> 00:17:32,600 Speaker 1: setting up an operation, a lot of money is coming 338 00:17:32,640 --> 00:17:34,720 Speaker 1: out of your pocket. So most times people are like, 339 00:17:34,840 --> 00:17:37,520 Speaker 1: I just need the basic stuff just to get started, 340 00:17:37,840 --> 00:17:40,600 Speaker 1: all right, fine, and then you and then you go 341 00:17:40,680 --> 00:17:42,480 Speaker 1: over that checklist and have them sign it, going, I 342 00:17:42,640 --> 00:17:45,879 Speaker 1: told you so, right right, So then that's the thing, right. 343 00:17:46,240 --> 00:17:48,399 Speaker 1: And sometimes people are just starting off and then they 344 00:17:48,480 --> 00:17:50,480 Speaker 1: start growing and they're like, oh crap, I need this, 345 00:17:50,640 --> 00:17:54,080 Speaker 1: I need that, and then it goes on. But laboratories, 346 00:17:54,720 --> 00:17:57,200 Speaker 1: you know, they're gonna want their stuff covered, their testing equipment. 347 00:17:57,240 --> 00:17:59,640 Speaker 1: When you're a grower, most of the time they want 348 00:17:59,680 --> 00:18:03,399 Speaker 1: their rop insurance covered. A lot of these operations who 349 00:18:03,480 --> 00:18:06,359 Speaker 1: are micro business or have multi licenses, they need a 350 00:18:06,440 --> 00:18:09,719 Speaker 1: lot of different type of insurances. And then a lot 351 00:18:09,800 --> 00:18:14,360 Speaker 1: of time people are merging or they're acquiring new businesses 352 00:18:14,480 --> 00:18:17,960 Speaker 1: that may bring on new things. So it really varies. Man, 353 00:18:18,040 --> 00:18:21,840 Speaker 1: it's like a it's for every evolving thing. But uh, 354 00:18:22,359 --> 00:18:26,119 Speaker 1: everybody could get from security guards, two laboratories. It all 355 00:18:26,200 --> 00:18:30,240 Speaker 1: has to be cannabis approved insurance carriers. Because if you 356 00:18:30,359 --> 00:18:33,040 Speaker 1: have someone who just puts you on an application as 357 00:18:33,119 --> 00:18:36,919 Speaker 1: a I don't know, as a flower tester or as 358 00:18:36,960 --> 00:18:40,760 Speaker 1: a flower you know, store owner, and you get insurance, 359 00:18:40,800 --> 00:18:42,440 Speaker 1: you could provide it. No one's going to check to 360 00:18:42,480 --> 00:18:44,920 Speaker 1: make sure it's cannabis improved, but in the time of need, 361 00:18:45,160 --> 00:18:49,280 Speaker 1: if something happens that it's not gonna respond. Yeah, that's 362 00:18:49,280 --> 00:18:53,680 Speaker 1: the part that's that's the most important thing, insurance. And 363 00:18:53,760 --> 00:18:55,720 Speaker 1: there's so many shady moves from people who want to 364 00:18:55,720 --> 00:18:58,000 Speaker 1: get insurance because they don't want to pay that monthly premium. 365 00:18:58,280 --> 00:18:59,960 Speaker 1: They're looking at like, I just want to cut the head. 366 00:19:00,000 --> 00:19:02,120 Speaker 1: You're already spretting X amount of millions of dollars. Can't 367 00:19:02,200 --> 00:19:04,360 Speaker 1: to get everything. We tell our clients, and I'm sure 368 00:19:04,400 --> 00:19:07,040 Speaker 1: Ben does too. You can't cut corners. You're spending way 369 00:19:07,119 --> 00:19:10,359 Speaker 1: too much money to cut corners. Then don't stay in 370 00:19:10,480 --> 00:19:12,240 Speaker 1: the illegal market. Then if that's what you want to 371 00:19:12,280 --> 00:19:13,800 Speaker 1: cut corner, right, It's like if you're going to play 372 00:19:13,800 --> 00:19:17,600 Speaker 1: the game, can it's all in, because once you mess 373 00:19:17,720 --> 00:19:19,760 Speaker 1: up at the state level, I mean, you can just 374 00:19:19,880 --> 00:19:22,600 Speaker 1: be totally screwed. Have you had that scenario where people 375 00:19:22,640 --> 00:19:27,680 Speaker 1: want to get ensured their illegal products? Are there illegal company? Uh? Yeah, 376 00:19:27,760 --> 00:19:30,480 Speaker 1: well back in the day, because I mean, you know, 377 00:19:30,760 --> 00:19:33,600 Speaker 1: the top sixty four here in California and everywhere else, 378 00:19:33,640 --> 00:19:36,200 Speaker 1: the licensing stuff it we did out a lot of 379 00:19:36,240 --> 00:19:39,560 Speaker 1: the people and they're operating you know, in the shadows 380 00:19:39,640 --> 00:19:42,520 Speaker 1: or whatever. But what I've noticed a lot of the 381 00:19:42,720 --> 00:19:45,280 Speaker 1: illegal stuff or there's a lot of gray area is 382 00:19:45,320 --> 00:19:49,120 Speaker 1: the CBD hemp CBD products. A lot of people are 383 00:19:49,200 --> 00:19:52,720 Speaker 1: operating there. The f D a kind of drag their 384 00:19:52,760 --> 00:19:55,160 Speaker 1: fee to putting out the rules that the states don't 385 00:19:55,200 --> 00:19:57,320 Speaker 1: really have any a lot of rules in place, at 386 00:19:57,359 --> 00:20:00,240 Speaker 1: least here in California, and so a lot of people 387 00:20:00,240 --> 00:20:04,560 Speaker 1: are operating and whether if it's legal or legal, until 388 00:20:04,680 --> 00:20:07,760 Speaker 1: something happens people find out. So I mean, really I've 389 00:20:07,760 --> 00:20:09,720 Speaker 1: seen it a lot in CBD hemp. You know, people 390 00:20:09,720 --> 00:20:13,239 Speaker 1: are buying oil and hemp like and they're claiming all 391 00:20:13,320 --> 00:20:17,200 Speaker 1: this and the other on their labels, and then that's 392 00:20:17,240 --> 00:20:20,120 Speaker 1: where losses begin. Hey could cure cancer? Hey it could? 393 00:20:21,680 --> 00:20:23,960 Speaker 1: So are you insuring? Because I've done a bunch of 394 00:20:24,040 --> 00:20:27,040 Speaker 1: hemp stuff at this point in time, and it's completely 395 00:20:27,160 --> 00:20:31,840 Speaker 1: legal in California. There's there's really no rules. As you said, um, 396 00:20:31,960 --> 00:20:34,280 Speaker 1: you just stay away from the f f d A 397 00:20:34,880 --> 00:20:37,880 Speaker 1: or FTC whatever it is, the claims, the claims, stay 398 00:20:37,880 --> 00:20:41,760 Speaker 1: away from making health claims and it's pretty free to 399 00:20:41,840 --> 00:20:44,240 Speaker 1: sell and to grow and sell. I've helped some growers 400 00:20:44,280 --> 00:20:48,000 Speaker 1: set up big farms. Um, are are you able to 401 00:20:48,119 --> 00:20:52,320 Speaker 1: get crop insurance for hemp as a versus? Can't? Because 402 00:20:52,400 --> 00:20:55,440 Speaker 1: because hemp is not regulated, there's no there's no h 403 00:20:56,320 --> 00:21:00,200 Speaker 1: You go to the Agricultural Commissioner's office and you while 404 00:21:00,280 --> 00:21:02,720 Speaker 1: basically a two page form to get your to get 405 00:21:02,760 --> 00:21:05,880 Speaker 1: your growth permit. That's it, and that's you can grow 406 00:21:05,960 --> 00:21:08,000 Speaker 1: five hundred plans and that's all you need to do. 407 00:21:08,600 --> 00:21:11,720 Speaker 1: Is I'm just saying, you can grow as much as 408 00:21:11,760 --> 00:21:15,080 Speaker 1: you want. You don't need regulatory compliance, you don't need 409 00:21:15,440 --> 00:21:18,160 Speaker 1: anything you do do with cannabis. Is that something that's 410 00:21:18,160 --> 00:21:20,320 Speaker 1: being covered at this time as well? I mean separate 411 00:21:20,359 --> 00:21:24,560 Speaker 1: from cannabis. Yeah, so I've done a lot of hemp farms, um, 412 00:21:25,200 --> 00:21:28,080 Speaker 1: you know, and most of them obviously are outdoor. For 413 00:21:28,359 --> 00:21:33,560 Speaker 1: the regular cannabis program, there isn't any outdoor insurance UH coverage. 414 00:21:33,840 --> 00:21:36,680 Speaker 1: But for hemp, there is a certain program that gives 415 00:21:36,720 --> 00:21:40,320 Speaker 1: coverage for outdoor coverage, you know, because being it's it's 416 00:21:40,440 --> 00:21:44,680 Speaker 1: referred to more as agriculture versus more specifically cannabis. There's 417 00:21:44,680 --> 00:21:48,320 Speaker 1: a few different insurance companies are willing to cover outdoor hemp. Um. 418 00:21:48,560 --> 00:21:52,960 Speaker 1: It's expensive, you know, but there it doesn't it does exist. 419 00:21:53,400 --> 00:21:56,879 Speaker 1: So there's no one. There's no outdoor insurance or insurance 420 00:21:56,920 --> 00:22:01,280 Speaker 1: for outdoor cultivators for cannabis, no, not that I know of. 421 00:22:01,400 --> 00:22:04,040 Speaker 1: I know there was one that came and left after 422 00:22:04,160 --> 00:22:09,080 Speaker 1: some time. I mean, they just have to get they 423 00:22:09,160 --> 00:22:12,600 Speaker 1: have to get they have to get UH liability insurance. 424 00:22:12,640 --> 00:22:18,000 Speaker 1: But they can't get their products, their outdoor crop insured profitself. 425 00:22:18,040 --> 00:22:20,480 Speaker 1: The physical let's say in the event of fire, let's 426 00:22:20,520 --> 00:22:25,119 Speaker 1: say bugs, Let's say I don't know, lots of things whatever. 427 00:22:25,920 --> 00:22:29,080 Speaker 1: That's the problem with outdoor cultivation that makes it expensive 428 00:22:29,160 --> 00:22:32,320 Speaker 1: or unavailable. There's too many variations for a loss to happen, 429 00:22:32,560 --> 00:22:34,560 Speaker 1: so insurance companies that want to take on that. So 430 00:22:34,640 --> 00:22:38,000 Speaker 1: when it's like in a controlled environment indoor or greenhouse, 431 00:22:38,680 --> 00:22:41,160 Speaker 1: you're gonna get crop coverage. But when it's outdoor makes 432 00:22:41,200 --> 00:22:44,080 Speaker 1: it real tough. So for cannabis, there was a program 433 00:22:44,160 --> 00:22:47,280 Speaker 1: out there, um, not that I know of now, but 434 00:22:47,600 --> 00:22:49,359 Speaker 1: before there was one out there that I knew of, 435 00:22:49,720 --> 00:22:53,120 Speaker 1: and it came for like a year, maybe eight months 436 00:22:53,240 --> 00:22:56,280 Speaker 1: or something, and then it left. I know, those big 437 00:22:56,359 --> 00:22:58,479 Speaker 1: fires that happened up in Humble, it took out too 438 00:22:58,560 --> 00:23:01,919 Speaker 1: high risk for the companies. That is crazy. I wondered 439 00:23:02,000 --> 00:23:04,600 Speaker 1: you guys are like Vegas just a random question, Are 440 00:23:04,720 --> 00:23:08,720 Speaker 1: like regular crops like outdoor lettuce, outdoor lados and breaks? 441 00:23:08,960 --> 00:23:11,680 Speaker 1: Are those type of farms able to get insurance to 442 00:23:11,720 --> 00:23:15,600 Speaker 1: their cross? You know, you gotta keep in mind that 443 00:23:16,080 --> 00:23:20,000 Speaker 1: insurance is based on uh, like those probabilities of a 444 00:23:20,480 --> 00:23:24,280 Speaker 1: They have tests and how the probability if something happens. 445 00:23:24,600 --> 00:23:26,800 Speaker 1: You have a lettuce that they've been insuring for I 446 00:23:26,840 --> 00:23:29,520 Speaker 1: don't know, hundreds of years, right, and hundar they could 447 00:23:29,560 --> 00:23:33,000 Speaker 1: they could test their issues and knowing what the probability 448 00:23:33,040 --> 00:23:35,680 Speaker 1: of a lot. With something like cannabis, there's so many 449 00:23:35,760 --> 00:23:38,600 Speaker 1: different things their heads. There are a lot of insuance 450 00:23:38,640 --> 00:23:41,440 Speaker 1: companies are not they're dipping and throwing right now, and 451 00:23:41,640 --> 00:23:43,439 Speaker 1: a lot of people who are offering it they're even 452 00:23:43,480 --> 00:23:45,359 Speaker 1: gonna pay for it, or it's not gonna give you 453 00:23:45,359 --> 00:23:47,840 Speaker 1: all the tipping you would expect for like blue bays 454 00:23:47,920 --> 00:23:50,960 Speaker 1: and lettings and whatever thing. You know, that's just the situation, 455 00:23:51,040 --> 00:23:53,320 Speaker 1: the aiming of that. While we're talking right now with 456 00:23:53,400 --> 00:23:56,199 Speaker 1: Ready Green o G Cannabis insurance, where to come out? 457 00:23:56,200 --> 00:24:07,280 Speaker 1: Where do the high pride with you? Right back after this, Craig, 458 00:24:07,400 --> 00:24:09,719 Speaker 1: this isn't a very good information that we'll find out. 459 00:24:09,760 --> 00:24:12,240 Speaker 1: I did not realize that farmers can be so screwed 460 00:24:12,520 --> 00:24:14,600 Speaker 1: with just growing their crops and not they would have 461 00:24:14,640 --> 00:24:16,719 Speaker 1: to dry. I expect it to be a high cost, 462 00:24:17,480 --> 00:24:20,159 Speaker 1: but I would assume, I mean, unfortunately on the guilty 463 00:24:20,160 --> 00:24:24,679 Speaker 1: of church companies for all of my card professional career. UM, 464 00:24:24,840 --> 00:24:27,119 Speaker 1: I mean it's it's a numbers to give me have actuaries. 465 00:24:27,160 --> 00:24:29,560 Speaker 1: If all that's thinking we're living to take under years 466 00:24:29,640 --> 00:24:32,560 Speaker 1: with datata and five years worth of data, twenty years 467 00:24:32,600 --> 00:24:35,480 Speaker 1: worth of data, what's been paid out, what's not been 468 00:24:35,520 --> 00:24:37,840 Speaker 1: paid out? But play how many claims are made. I 469 00:24:37,920 --> 00:24:40,760 Speaker 1: mean massive, I would as seem to think of being 470 00:24:40,800 --> 00:24:43,320 Speaker 1: that uncraft. But the little spilt for that kind of 471 00:24:43,680 --> 00:24:47,160 Speaker 1: that that kind of education, and it's just like gambling 472 00:24:47,240 --> 00:24:49,520 Speaker 1: it if it wasn't, it's it's all chiltered in the house. 473 00:24:49,560 --> 00:24:52,440 Speaker 1: It's favor and the church companies out, so they're gonna 474 00:24:52,560 --> 00:24:56,679 Speaker 1: run there. They're analytics and if they can't, if they 475 00:24:56,800 --> 00:24:59,399 Speaker 1: can't show that they're going to take in more than 476 00:24:59,480 --> 00:25:02,960 Speaker 1: they pay out, they if they can't make that risk 477 00:25:03,000 --> 00:25:08,000 Speaker 1: whatever whatever number, that is scarious risking. Okay, stop covering. 478 00:25:08,160 --> 00:25:10,159 Speaker 1: We're not offering that a charge of premium of this 479 00:25:10,359 --> 00:25:12,040 Speaker 1: much because we know at the end of the day 480 00:25:12,040 --> 00:25:15,240 Speaker 1: we're gonna make money. But when they can't predict that, 481 00:25:15,840 --> 00:25:19,360 Speaker 1: you're the industry is just screwed. It's gotta be tough. 482 00:25:19,560 --> 00:25:24,480 Speaker 1: And Benny, do you find the rates being affordable? Is 483 00:25:24,560 --> 00:25:26,760 Speaker 1: it crazy high? I mean, I know what you're gig 484 00:25:26,840 --> 00:25:28,960 Speaker 1: and what you do. You're at O G cannabis insurance 485 00:25:29,280 --> 00:25:31,359 Speaker 1: and you offer it to somebody, But are you looking 486 00:25:31,440 --> 00:25:34,440 Speaker 1: at it from let me take my business head off 487 00:25:34,520 --> 00:25:36,840 Speaker 1: of what I do and say this seems reasonable or 488 00:25:36,920 --> 00:25:40,760 Speaker 1: is it high? No? I mean you're right. I always 489 00:25:40,800 --> 00:25:42,920 Speaker 1: try to look at it honestly in the long view. 490 00:25:43,119 --> 00:25:46,359 Speaker 1: I look at everything long view. If I'm galuging people now, 491 00:25:46,640 --> 00:25:49,520 Speaker 1: I'm building a reputation on that. This cannabis industry is 492 00:25:49,720 --> 00:25:52,320 Speaker 1: still in its infancy, and I believe like if you 493 00:25:52,400 --> 00:25:55,879 Speaker 1: do write business, it's gonna follow you. So I always 494 00:25:55,920 --> 00:25:57,480 Speaker 1: try to look out for the best deal. I I 495 00:25:57,560 --> 00:26:00,760 Speaker 1: spend a lot of time paying attention to what new 496 00:26:00,840 --> 00:26:03,840 Speaker 1: markets are coming along and things like that. So when 497 00:26:03,880 --> 00:26:06,359 Speaker 1: you're talking about pricing, it always comes down to what 498 00:26:06,520 --> 00:26:09,119 Speaker 1: you're expecting to pay and what you're comparing it too. 499 00:26:09,560 --> 00:26:11,760 Speaker 1: Like I have obviously a lot of people who got 500 00:26:11,800 --> 00:26:15,480 Speaker 1: in the cannabis game have previous business experience, and they 501 00:26:15,600 --> 00:26:18,120 Speaker 1: might be comparing it to their I don't know their 502 00:26:18,200 --> 00:26:21,960 Speaker 1: ups FedEx store that they have or whatever, right, and 503 00:26:22,000 --> 00:26:24,040 Speaker 1: they say, well, my general liability only costs me a 504 00:26:24,080 --> 00:26:26,720 Speaker 1: thousand dollars there, Why is it three thousand dollars here? 505 00:26:27,000 --> 00:26:31,119 Speaker 1: So it's it's not expensive depending on your situation and 506 00:26:31,240 --> 00:26:35,680 Speaker 1: how big your operation is. But in all honesty, I 507 00:26:35,880 --> 00:26:37,520 Speaker 1: always try to look for the best price, and it 508 00:26:37,920 --> 00:26:40,640 Speaker 1: depends on what you think is expensive, and because that's 509 00:26:40,640 --> 00:26:42,560 Speaker 1: really what it comes down to some people are tell 510 00:26:42,640 --> 00:26:45,120 Speaker 1: me they're surprised, Wow, that's not expensive. And some people 511 00:26:45,160 --> 00:26:47,880 Speaker 1: come back, why is it so expensive? And I'll give 512 00:26:47,880 --> 00:26:49,680 Speaker 1: you a good example. There's a lot of things that 513 00:26:49,800 --> 00:26:52,720 Speaker 1: there's different rating factors that's going to determine the price 514 00:26:53,320 --> 00:26:56,240 Speaker 1: for let's say, for a vehicle commercial auto. That's gonna 515 00:26:56,359 --> 00:26:59,480 Speaker 1: depend on the how many miles you drive and the 516 00:26:59,600 --> 00:27:04,400 Speaker 1: drive record of the drivers and where you live. Yeah, 517 00:27:04,520 --> 00:27:06,520 Speaker 1: and then if you're if let's say, if you're a 518 00:27:06,600 --> 00:27:11,160 Speaker 1: hundred thousand dollars producing um dispensary versus a twenty million 519 00:27:11,200 --> 00:27:14,720 Speaker 1: dollars just uh producing dispensary, that's a bigger operation that 520 00:27:14,800 --> 00:27:17,800 Speaker 1: the insurance company has to uh know that there's they 521 00:27:17,880 --> 00:27:20,920 Speaker 1: have exposure to the public that's more of a possible 522 00:27:21,040 --> 00:27:23,600 Speaker 1: claim or a risk of a claim. So it's going 523 00:27:23,640 --> 00:27:26,520 Speaker 1: to be more expensive for that person. So it really depends. Man. 524 00:27:26,640 --> 00:27:30,240 Speaker 1: You know, it's always a game with insurance. And oh eight, 525 00:27:30,280 --> 00:27:33,680 Speaker 1: when the market crash, insurance companies never failed. They're all 526 00:27:33,720 --> 00:27:36,920 Speaker 1: still doing strong. It's like insurance games, a good game 527 00:27:37,000 --> 00:27:38,840 Speaker 1: of all the money and all the property. I mean, 528 00:27:38,960 --> 00:27:41,359 Speaker 1: it's just I'm not mad at it. It's just one 529 00:27:41,400 --> 00:27:44,800 Speaker 1: of those scenarios that it's so new still for cannabis 530 00:27:45,280 --> 00:27:48,760 Speaker 1: that it makes it somewhat scary when you're not covered properly. 531 00:27:48,840 --> 00:27:51,399 Speaker 1: So if you're in the game, like Craig could attest 532 00:27:51,440 --> 00:27:54,320 Speaker 1: to all these clients, get the insurance. You need it 533 00:27:54,400 --> 00:27:56,280 Speaker 1: to make sure you're dealing with somebody who knows what 534 00:27:56,320 --> 00:27:59,159 Speaker 1: they're doing, because during these times when we just had 535 00:27:59,200 --> 00:28:02,240 Speaker 1: all these rioters and looting going on, that we're just 536 00:28:02,359 --> 00:28:05,280 Speaker 1: destroying property. If you made the claim and said your 537 00:28:05,320 --> 00:28:07,920 Speaker 1: property was stolen, don't say, oh, there was a riot. 538 00:28:08,359 --> 00:28:11,240 Speaker 1: The riots not covered, but the theft is. And that's 539 00:28:11,359 --> 00:28:13,760 Speaker 1: very key that you pointed that out, Benny. So make 540 00:28:13,800 --> 00:28:15,960 Speaker 1: sure you have a good person working with you rather 541 00:28:16,040 --> 00:28:17,800 Speaker 1: than writing down the wrong thing or calling the claims 542 00:28:17,840 --> 00:28:19,919 Speaker 1: department and saying the wrong thing. Because that's the other 543 00:28:19,960 --> 00:28:21,840 Speaker 1: thing that I've noticed in the insurance. When you even 544 00:28:21,920 --> 00:28:24,080 Speaker 1: just make a phone call, that's like a claim. You 545 00:28:24,160 --> 00:28:26,040 Speaker 1: can't even like if you have home insurance, you just 546 00:28:26,200 --> 00:28:27,920 Speaker 1: call it, I want to ask you a question about 547 00:28:27,960 --> 00:28:30,640 Speaker 1: my home insurance, that's a claim. So for those who 548 00:28:30,640 --> 00:28:33,240 Speaker 1: don't know about home insurance, if you called if just 549 00:28:33,440 --> 00:28:36,240 Speaker 1: a call and had a question about a leak, or 550 00:28:36,400 --> 00:28:40,920 Speaker 1: if I had that's a claim on your record. If 551 00:28:41,000 --> 00:28:45,040 Speaker 1: my leak started from a broken pipe, is that covered 552 00:28:46,680 --> 00:28:49,160 Speaker 1: from the home from the broken pocket? Would depend on 553 00:28:49,280 --> 00:28:51,440 Speaker 1: the home insurance that you had. But I'm just saying 554 00:28:51,480 --> 00:28:53,719 Speaker 1: when you called. My point is when you call, as 555 00:28:53,760 --> 00:28:57,040 Speaker 1: I dabbled in the insurance home in auto game, if 556 00:28:57,080 --> 00:28:59,560 Speaker 1: you made a call, it's for home only auto you 557 00:28:59,600 --> 00:29:01,360 Speaker 1: can make a call on. But if you called your 558 00:29:01,400 --> 00:29:04,320 Speaker 1: home insurance and they pulled up your record, that's a 559 00:29:04,400 --> 00:29:06,920 Speaker 1: home call. I just used my home insurance for the 560 00:29:06,960 --> 00:29:11,920 Speaker 1: first time in forty forty years. Ship pipe that broke 561 00:29:11,960 --> 00:29:15,040 Speaker 1: in your front heard that that's not covered by homeowner. 562 00:29:15,200 --> 00:29:18,480 Speaker 1: That one wasn't No, no, those aren't covered. Not not not. 563 00:29:18,680 --> 00:29:23,600 Speaker 1: The you know, was a bathroom which we got to remodeled. 564 00:29:24,560 --> 00:29:27,080 Speaker 1: There's some indorsement. There's an endorsement you could add for 565 00:29:27,560 --> 00:29:30,680 Speaker 1: sewage drainage pipers, you know. But obviously, like that's the 566 00:29:30,760 --> 00:29:33,440 Speaker 1: thing if if there's no conversation they're going on and 567 00:29:33,600 --> 00:29:35,920 Speaker 1: you don't know, you're not thinking about it, and then 568 00:29:35,960 --> 00:29:38,320 Speaker 1: it happens and you're like, oh, sorry, it's not covered, 569 00:29:38,400 --> 00:29:43,080 Speaker 1: you know. But there's of these riders and endorsements where 570 00:29:43,120 --> 00:29:45,640 Speaker 1: you could add on these particular you know, the bells 571 00:29:45,680 --> 00:29:48,479 Speaker 1: and whistles if needed. You know, so there's a lot 572 00:29:48,560 --> 00:29:51,720 Speaker 1: of things, so you can ensure almost everything. It's like 573 00:29:51,800 --> 00:29:54,120 Speaker 1: you can bet on anything too exactly. Well, you know 574 00:29:54,160 --> 00:29:55,760 Speaker 1: what if you got not if you got the money, 575 00:29:55,960 --> 00:29:58,320 Speaker 1: if you're gonna open up the establishment, get the right 576 00:29:58,360 --> 00:30:00,520 Speaker 1: into it to make sure you're covered proper. Really, as 577 00:30:00,560 --> 00:30:03,240 Speaker 1: we're here with Benny Green, the insurance broker from O 578 00:30:03,400 --> 00:30:06,000 Speaker 1: G Cannabis Insurance, it's now time for the high five. Brother, 579 00:30:06,040 --> 00:30:09,080 Speaker 1: are you ready? Question number one? How old you the 580 00:30:09,160 --> 00:30:10,960 Speaker 1: first time you smoked weed? And where did you get 581 00:30:11,000 --> 00:30:14,200 Speaker 1: it from? Benny? Oh, Man, I'm kind of embarrassed. I 582 00:30:14,320 --> 00:30:18,240 Speaker 1: was really young. Um I was. I was in I 583 00:30:18,280 --> 00:30:20,080 Speaker 1: want to say I was in fifth grade. Man, I 584 00:30:20,200 --> 00:30:24,640 Speaker 1: was in fifth grade. I got it from a classmate. 585 00:30:24,840 --> 00:30:27,680 Speaker 1: It's funny because in fourth grade he got caught and 586 00:30:27,800 --> 00:30:30,840 Speaker 1: then I wanted to get high. So then I went 587 00:30:30,920 --> 00:30:33,320 Speaker 1: to him and his older brother and his friend that 588 00:30:33,400 --> 00:30:35,640 Speaker 1: we're in high school. There one's who I got it from. 589 00:30:35,720 --> 00:30:37,720 Speaker 1: And it was kind of cool day. You know, they 590 00:30:37,800 --> 00:30:41,040 Speaker 1: had turn tables and we're breakdancing and getting high to 591 00:30:41,280 --> 00:30:44,560 Speaker 1: turn tables and a microphone and the joint. What is 592 00:30:44,600 --> 00:30:49,600 Speaker 1: your favorite way to use cannabis? My favorite way, I 593 00:30:49,640 --> 00:30:52,200 Speaker 1: don't know. A good old fashioned joint is good, or 594 00:30:52,440 --> 00:30:55,600 Speaker 1: a quick a quick bongload. A little snapper usually does 595 00:30:55,640 --> 00:31:01,160 Speaker 1: it right, you know, Uh Snapper craziest place she ever 596 00:31:01,240 --> 00:31:04,560 Speaker 1: smoked weed. Oh man, I'm probably gonna go to hell. 597 00:31:05,400 --> 00:31:11,960 Speaker 1: Uh all of us join us. I'm yeah, it's warm, 598 00:31:12,080 --> 00:31:14,800 Speaker 1: it's warm. No, Craig has Craig has a swite. Don't worry. 599 00:31:14,840 --> 00:31:16,480 Speaker 1: We're all gonna go to his suite. I've got a 600 00:31:16,520 --> 00:31:20,800 Speaker 1: corner suite. When we were younger, I was probably about 601 00:31:20,880 --> 00:31:22,920 Speaker 1: twelve thirteen, I think we smoked in the back of 602 00:31:23,000 --> 00:31:24,960 Speaker 1: the church. It was like, I don't think it was 603 00:31:25,040 --> 00:31:27,800 Speaker 1: inside a church, but the smell went inside and then 604 00:31:27,880 --> 00:31:30,840 Speaker 1: we got shut out. We smoked like it was in 605 00:31:30,920 --> 00:31:33,120 Speaker 1: the parking lot kind of, and it went in. I 606 00:31:33,200 --> 00:31:37,080 Speaker 1: smoked in the parking after the last question, because I 607 00:31:37,560 --> 00:31:40,200 Speaker 1: got caught at the temple no smoking in the in 608 00:31:40,240 --> 00:31:43,680 Speaker 1: the parking lot by the police, and the whole entire 609 00:31:43,760 --> 00:31:46,880 Speaker 1: congregation came out as we were getting fucking harassed by 610 00:31:46,920 --> 00:31:50,000 Speaker 1: the police. Was there temple going on or was there yes? Service? 611 00:31:50,120 --> 00:31:55,920 Speaker 1: No way, No, No, it was it was an event 612 00:31:56,040 --> 00:31:59,360 Speaker 1: for youth. That was that it was after hours after 613 00:31:59,440 --> 00:32:01,680 Speaker 1: the actually the uh you know services, but it was 614 00:32:01,720 --> 00:32:03,880 Speaker 1: a temple in the parking lot. Oh that's great. What 615 00:32:04,080 --> 00:32:06,800 Speaker 1: is your go to munchies after you get high? Your 616 00:32:07,200 --> 00:32:11,240 Speaker 1: religious sacrament? I agree. I've been to the Church of 617 00:32:11,720 --> 00:32:15,320 Speaker 1: Cannabis in Colorado. What is your go to munchies after 618 00:32:15,440 --> 00:32:20,120 Speaker 1: you get high? Oh? Man, I usually keep my refrigerator stock, 619 00:32:20,600 --> 00:32:24,000 Speaker 1: but I always need a lot of water, maybe a drumstick, 620 00:32:24,080 --> 00:32:28,239 Speaker 1: a drumstick, ice cream and uh you know, some hot 621 00:32:28,320 --> 00:32:31,120 Speaker 1: Cheetos or something like that. Both of those, even putting 622 00:32:31,120 --> 00:32:33,640 Speaker 1: the hot cheeto in the ice cream, are just fat 623 00:32:33,760 --> 00:32:36,560 Speaker 1: like that sounds like a fat guy. God, just fat, 624 00:32:36,960 --> 00:32:39,360 Speaker 1: like getting and put it in like ice cream or 625 00:32:39,960 --> 00:32:43,720 Speaker 1: just frozen yogurt or just vanilla slurp anything. I said, 626 00:32:43,800 --> 00:32:45,840 Speaker 1: vanilla slurpy. I'm so fat. I went for vanilla ice 627 00:32:45,880 --> 00:32:48,440 Speaker 1: cream to slurpy and put them together. Said I did 628 00:32:48,480 --> 00:32:51,160 Speaker 1: that right now, vanilla. My mind just going on. I 629 00:32:51,240 --> 00:32:54,440 Speaker 1: want something like that. I want looking so good. I've 630 00:32:54,440 --> 00:32:56,200 Speaker 1: been trying to drop some weight, but it's tough. As 631 00:32:56,240 --> 00:32:58,640 Speaker 1: you guys mentioned that, my mind is straight on ice 632 00:32:58,680 --> 00:33:01,440 Speaker 1: cream right now. Question at number five with Benny Green 633 00:33:01,520 --> 00:33:04,880 Speaker 1: and insurance broker from o G Cannabis Insurance. Make sure 634 00:33:04,880 --> 00:33:07,280 Speaker 1: you go to the website o G Cannabis Insurance dot com. 635 00:33:07,680 --> 00:33:11,520 Speaker 1: If you could smoke with anyone dead are alive, Benny, 636 00:33:11,960 --> 00:33:16,000 Speaker 1: who would it be? Oh, man, that's gonna it's gonna 637 00:33:16,040 --> 00:33:19,560 Speaker 1: be controversial. Maybe I would say either Jesus or Hitler. 638 00:33:19,960 --> 00:33:22,080 Speaker 1: I think either one. I mean, I don't know. Some 639 00:33:22,200 --> 00:33:24,240 Speaker 1: people say Jesus is still alive, so I mean, I 640 00:33:24,280 --> 00:33:26,640 Speaker 1: don't want to offend anybody. But then I would say 641 00:33:26,720 --> 00:33:28,600 Speaker 1: Jesus just I don't know. I want to see how 642 00:33:28,680 --> 00:33:30,959 Speaker 1: that would be. Like I heard so much about him 643 00:33:31,000 --> 00:33:33,560 Speaker 1: and read so much about him, and then Hitler too. 644 00:33:33,760 --> 00:33:36,000 Speaker 1: I would want to see what he's about when he's high. Man. 645 00:33:36,360 --> 00:33:41,280 Speaker 1: You know, I'm sure he sorry. Maybe maybe he wouldn't 646 00:33:41,280 --> 00:33:44,000 Speaker 1: have killed six million Jews and millions of other people 647 00:33:44,240 --> 00:33:47,280 Speaker 1: if he was he know my partner. By the way, No, 648 00:33:47,440 --> 00:33:50,480 Speaker 1: that's not a bad question. Maybe maybe hey, dude, before 649 00:33:50,520 --> 00:33:58,680 Speaker 1: you go now, yeah, exactly, pre pre exterminating everybody or 650 00:33:58,800 --> 00:34:01,520 Speaker 1: Poe or yeah, pre or pope. You know what. I 651 00:34:01,560 --> 00:34:03,400 Speaker 1: would like to get him right as soon as he 652 00:34:03,480 --> 00:34:06,320 Speaker 1: got out of jail and he started writing mine camp 653 00:34:06,360 --> 00:34:08,200 Speaker 1: when he was writing his book. I would like to 654 00:34:08,280 --> 00:34:10,279 Speaker 1: have he probably did smoke we then, Who knows, but 655 00:34:10,440 --> 00:34:13,880 Speaker 1: I would know probably not. You know what was he 656 00:34:14,040 --> 00:34:15,840 Speaker 1: thinking at that time? Because I was right before he 657 00:34:15,880 --> 00:34:17,960 Speaker 1: got into everything right. I mean, it's like almost like, 658 00:34:18,080 --> 00:34:20,960 Speaker 1: what were you thinking that this is the nation that 659 00:34:21,080 --> 00:34:23,120 Speaker 1: you want to run, that you want to just kill 660 00:34:23,200 --> 00:34:25,240 Speaker 1: all these folks? You know what? We got a president 661 00:34:25,280 --> 00:34:30,080 Speaker 1: that's pretty close. Are you going there? You know, if 662 00:34:30,120 --> 00:34:32,880 Speaker 1: he had if he had his way, if he had 663 00:34:32,960 --> 00:34:35,920 Speaker 1: his way, I mean when you when you're when you 664 00:34:36,000 --> 00:34:40,840 Speaker 1: idolize dictators and you sit there and you when you 665 00:34:40,920 --> 00:34:43,120 Speaker 1: were driving that golf cart with that girl, a friend 666 00:34:43,160 --> 00:34:45,359 Speaker 1: of yours, going white power out of that golf cart, 667 00:34:45,440 --> 00:34:47,560 Speaker 1: that he didn't hear that he didn't hear How does 668 00:34:47,560 --> 00:34:49,160 Speaker 1: he say he didn't he didn't hear it? He says 669 00:34:49,200 --> 00:34:51,120 Speaker 1: he didn't hear it. I mean, you were clear his day. 670 00:34:51,719 --> 00:34:53,359 Speaker 1: I thought it was you. I don't know if talking 671 00:34:53,480 --> 00:34:56,680 Speaker 1: to me? Are you talking to me? Is that what 672 00:34:56,800 --> 00:34:58,799 Speaker 1: you were just doing? That wasn't you? And that golf 673 00:34:59,719 --> 00:35:04,120 Speaker 1: you just good. He was a guy that looked like you. 674 00:35:04,200 --> 00:35:06,040 Speaker 1: That's what's great about you. You can look like one 675 00:35:06,080 --> 00:35:10,160 Speaker 1: of them idiots so easily raising your flag. Rab just 676 00:35:10,360 --> 00:35:12,799 Speaker 1: take your mask put you can't breathe put your mask 677 00:35:12,880 --> 00:35:14,960 Speaker 1: on a show support right now, thank you very much, 678 00:35:15,120 --> 00:35:18,920 Speaker 1: kissing me off. That's just crazy. Baby. We've heard Jesus, 679 00:35:19,000 --> 00:35:22,279 Speaker 1: but I gotta tell you, we've never heard say Hitler yet. 680 00:35:22,760 --> 00:35:26,040 Speaker 1: And I just think it's actually would be fascinating to 681 00:35:26,160 --> 00:35:28,160 Speaker 1: talk to that sent of a bitch and be like, 682 00:35:28,520 --> 00:35:31,000 Speaker 1: what the hell and then kill them and then kill him. 683 00:35:31,320 --> 00:35:33,200 Speaker 1: Well that's because you never know if you would go back, 684 00:35:33,239 --> 00:35:35,359 Speaker 1: I would kill him. That's the crazy part when they say, 685 00:35:35,400 --> 00:35:41,480 Speaker 1: would you kill the baby Hitler? Yes? Whoa, he's still alive. Yeah, 686 00:35:41,480 --> 00:35:46,640 Speaker 1: it's still maybe. I don't know, at least at least 687 00:35:46,640 --> 00:35:50,239 Speaker 1: that you can't take a chance. Man. I couldn't take 688 00:35:50,280 --> 00:35:51,680 Speaker 1: a chance. I was in that one of those movies 689 00:35:51,719 --> 00:35:54,439 Speaker 1: going backwards. Just couldn't take a chance. You know, you'll 690 00:35:54,520 --> 00:35:56,839 Speaker 1: never know because all those movies that somehow it ends 691 00:35:56,880 --> 00:35:59,760 Speaker 1: up the same way. You fucking change Jeffery butterfly effect. 692 00:36:00,080 --> 00:36:01,880 Speaker 1: Take your mask off first off, before I give you 693 00:36:01,960 --> 00:36:06,480 Speaker 1: a better flat. If he's you're bothering me, Joe, it's 694 00:36:06,560 --> 00:36:08,960 Speaker 1: just crazy to think they are. Yes, I would anybody 695 00:36:09,080 --> 00:36:11,040 Speaker 1: named date off, I'm coming after you. My name is 696 00:36:11,080 --> 00:36:15,800 Speaker 1: Craig Washerman. Watch out. Well, Benny, it's great to have 697 00:36:15,960 --> 00:36:18,440 Speaker 1: you once again. Give everybody your information on your website, 698 00:36:18,480 --> 00:36:21,000 Speaker 1: your I G and how people can find you. Yeah. 699 00:36:21,120 --> 00:36:25,120 Speaker 1: So any questions you know, no obligation. You can call 700 00:36:25,239 --> 00:36:29,279 Speaker 1: us at six six one six seven five five six 701 00:36:29,360 --> 00:36:32,399 Speaker 1: three five. You could find us on Instagram at OJ 702 00:36:32,600 --> 00:36:35,880 Speaker 1: Cannabis Insurance. You could find my personal one at Benny 703 00:36:35,960 --> 00:36:39,239 Speaker 1: Green name five O J Cannabis and Charance dot com 704 00:36:39,400 --> 00:36:42,279 Speaker 1: has all the information you need and I'm gonna pick it. 705 00:36:43,480 --> 00:36:48,040 Speaker 1: Oh yeah, Hey, they were a great, great show and 706 00:36:48,120 --> 00:36:50,160 Speaker 1: if you know what they were like, Hey, do you 707 00:36:50,239 --> 00:36:52,480 Speaker 1: know we got this guy named Ben coming off you. 708 00:36:52,520 --> 00:36:55,359 Speaker 1: We're done with the show. That's my guy and we're 709 00:36:55,400 --> 00:36:58,200 Speaker 1: done shows over. What's up, Benny? You've already had that 710 00:36:58,320 --> 00:37:02,680 Speaker 1: the load my friend guy. Yeah, great, very well, we 711 00:37:02,760 --> 00:37:04,200 Speaker 1: just get a jo we know have been make sure 712 00:37:04,200 --> 00:37:06,200 Speaker 1: you guys you have questions, what's the game? Calling me? 713 00:37:06,280 --> 00:37:09,680 Speaker 1: Gave me the never the website O G. Cannabis Insurance 714 00:37:09,719 --> 00:37:11,840 Speaker 1: dot com. Thanks for coming on, Blues, thanks forring on 715 00:37:11,880 --> 00:37:14,080 Speaker 1: the show. You're welcome, guys. Good seeing you. But if 716 00:37:14,120 --> 00:37:17,760 Speaker 1: nobody else, least you, we do. Thank you for listening 717 00:37:17,840 --> 00:37:19,839 Speaker 1: to Cannabis Talk one on one on the I Heart 718 00:37:19,920 --> 00:37:23,600 Speaker 1: Radio app, Apple podcast, or wherever you get your podcasts.