A self-insured group designed for cannabis, hardware, and industrial businesses to reduce insurance
costs and
improve safety.

Traditional insurers charge top rates with no potential for dividends — you pay more and get no return.

Little help with claims processing or safety services that prevent claims in the first place.

Policies often dont account for the unique risks and compliance requirements in the cannabis industry.


The Household Industries Self-Insured Group (HISIG), created for hardware, home improvement, and lumber businesses — and now expanded to include regulated cannabis operators. It's governed by a member-led board and overseen by the Office of Self-Insurance Plans (OSIP) under the CA Department of Industrial Relations.
30%+ Average Savings
95%+ Retention
Member governance

Self-insurance model with dividend potential and claims oversight by Athens Administrators.

24/7 access to member portal for COIs, payroll, invoicing, loss runs, and more.

Personalized safety support, legal guidance, and risk management to ensure compliance.

Pre-employment risk screening and medical oversight to ensure workplace safety.

Access to training resources, certifications, and annual member meetings for continuous improvement.

Legal support from Bernal & Robbins LLP, plus HR and compliance resources.

A self-insured group designed for cannabis, hardware, and industrial businesses
to reduce insurance
costs and improve safety.
HISIG provides a range of benefits to its members, ensuring that businesses thrive while reducing costs and improving safety:
