Are Cannabis Edibles A “Drug”? What Adjusters Should Be Asking

Claims adjusters’ questions should address potential policy wording dilemmas related to the upcoming legalization of cannabis edibles later this year, a lawyer told Canadian Underwriter recently. For example, consider the following question in the context of edible cannabis (or even recreational smoked marijuana): “In the past 24 hours, have you consumed any drugs, alcohol or medication?” “I think a lot of people would argue that cannabis doesn’t fall into any of these categories because it’s not alcohol,” said Erika Carrasco, a partner at Field Law in Calgary, “When you say the word drug, they say, ‘No it’s legal now, it can’t be a drug.’ And then you say medication, and they’re like: ‘Nope, I wasn’t taking it for medication.’”