I need insurance for my dispensary opening soon

Opening a licensed dispensary in NY, with attached indoor cultivation. Licenses in hand, buildout almost done, but most insurers won't even have the conversation once you say cannabis.

The few that will quote are all over the place. One broker clearly didn't understand cultivation ops. Another had thin product liability limits and no crop coverage at all.

Biggest fears are theft, fire in the grow facility, and product liability if something goes wrong downstream. Also thinking about crop loss if a pest issue or HVAC failure wipes out a cycle.

Other dispensary and cultivation operators, did you find a broker who actually understands cannabis or are most of them just winging it?

Honestly this can't be the hardest thing right?