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Growers want protection against crop loss and other business coverage, and weed distributors and retailers need insurance as well.

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Twenty states and the District of Columbia have passed a form of legislation that decriminalizes the use of marijuana for medical purposes, and Colorado and Washington have recently legalized the recreational use of the drug. While employers are under no legal obligation to allow marijuana use in the workplace, the drug’s legality leads to questions regarding an employer’s response to an employee who fails a drug test or admits to being a medical marijuana patient.

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