It has been four years since cannabis was first legalized for recreational use in Colorado and Washington, followed by Alaska and Oregon.

In that time, the insurance industry has learned a lot about how cannabis usage affects business insurance in those states.

To start, questions about employee rights, the legality of drug testing post-hire and other human resource questions should be handled by a qualified labor attorney or human resources professional. However, as an insurance professional, I can advise that employee use of marijuana on the job may affect your insurance policies and premiums.

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