In the great state of Colorado, there have been some major changes in the judicial department regarding the distribution and use of marijuana. It is now one of the fourteen states that has legalized the use and distribution of marijuana for medical reasons. Marijuana laws are still a hotly debated topic here because there are people on both sides of the argument who feel very passionately about their opinions.

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The Obama administration has put marijuana usage and distribution as a low priority for the D.E.A. This has led to a swell in the medical marijuana industry and now dispensaries are almost as common as liquor stores here in Colorado. But in order to see how it affects you, learning about these new laws is an absolute necessity. If you are planning to use or you are curious about what these new laws will bring to Colorado, then here are the basics laid out for you.

An important distinction that must be noted is that only those with a medical marijuana card can purchase it. In order to obtain one of these cards, the patient must have a serious illness like HIV, glaucoma, cancer, or any other illness that includes chronic and severe pain. Of course, the use of marijuana without a medical card is still an offense. But Colorado law has always been lenient on the use of the drug. Possession without a prescription, as long as it is under 1 ounce is only a petty crime. This means no jail time and a small fine much like a speeding ticket. CBD Oil In 

is legal.

The possession of the drug in larger quantities, however, is still considered a misdemeanor and illegally distributing the drug still results in a felony charge of up to four years in prison. The seriousness of not following the proper channels cannot be stressed enough. If you do plan on using marijuana for recreational or medical use, be sure to take every precaution. If you have been caught using or distributing, then hiring a criminal attorney familiar with marijuana law is recommended.

Whether you are trying to find ways to use marijuana or CBD Oil In

, if you are just curious as to all the changes that have been going on in Colorado, the above statements should clear things up a bit.

The Basics of Medical Marijuana

When it comes to insurance needs restaurants are similar to all other businesses in the way that the owners are exposed to liability that can potentially put those owners under the risk of losing their properties and wealth. The following is a brief discussion summarizing the areas that restaurant owners need to worry about when it comes to protecting their wealth and property.

A. Property Insurance considerations. Restaurant owners may own buildings or business property that need proper coverage:

(1) Building Coverage: If the restaurant owner owns the building, building coverage may be needed to protect the property from perils such as fire, collapse, smoke, etc. Depending on the location, age, and other factors, building may be covered at Replacement Cost (better) or Actual Cash Value -ACV- (Replacement Cost minus Depreciations.) The proper amount of coverage varies based on square footage. In Chicago, it costs between $100 to $170 per square foot to replace a commercial building.

(2) Restaurant Equipment: Will cover the value of the equipment that is owned by the business. Equipment can also be insured based on either Replacement Cost or ACV.

(3) Business Personal Property (content and inventory) such as food inventory.

(4) Physical Damage on business auto. If business owns a vehicle that requires physical damage (comp and collision) coverage can be obtained on both ACV or Stated Value (in stated value approach the business owner sets the value of the vehicle to be insured.)

(5) Business Income / Extra Expense. Provide coverage for the extra expense/ income of the business in the event of destruction of business by a covered loss. There is either a time limit, or an amount limit, or both for this coverage.

(6) Crime. It provides the businesses the protection from loss of money, securities, or inventory resulting from crimes (robbery, theft, etc.)

B. Liability Coverage. Restaurant owners may be subject of lawsuit due to negligent acts of the business or its employees. The following should be areas of concerns to the business owners of restaurants:

(1) Commercial General Liability (CGL) provides fundamental coverage for business owner against lawsuits resulting from incidents such as consumers' slip and fall [premises liability], use of harmful food [product liability], or lawsuits brought against the offenses of the restaurant (or its employees) against the reputation of other people or businesses in the course of advertising [personal & advertising injury]. CGL also provides additional property damage to rented premises [fire legal liability] and coverage for bodily injury suffered by others on the premises of the insured, even though the insured was not negligent.

It is very important that restaurant owners disclose all aspects related to their business, such as yearly revenues, if the business provides catering or not, and if the business restaurant provides delivery or not. Additional important concerns to insurance companies include consumption of liquor, use of live entertainment, availability of dance floor, and other factors related to unusual services. These factors can affect the qualification for certain coverages and the premium that is charged to the policy.

(2) Liquor Liability. Dram shop laws provides for someone who has been injured by an intoxicated individual to sue the liquor establishment that sold/ served the alcoholic beverages to the intoxicated individual. If the restaurant serves liquor on the premises, then dram shop or liquor liability is necessary. Each state has certain minimum limits for liquor liability. In Illinois it is set at $300,000 each occurrence.

(3) Business Auto: If the restaurant owns a vehicle (for delivery, catering, or any other reason) the business owner may need to make sure that enough and appropriate coverage is purchased to protect the business.

(4) Hired and Non Owned Auto. Provides auto liability coverage for any vehicle rented by the restaurant business, or vehicles that are being used for running the business but are not owned by the restaurant owner (ie vehicle owned by someone other than the restaurant or its owner, while making a delivery.)

(5) Workers Compensation Provides coverage for injured workers, regardless of fault, if their injuries are work related. This is a mandatory coverage by the state in Illinois.

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How to Become a Medical Test Subject

Marijuana is a known dangerous drug that is kept illegal alongside other dangerous substances like cocaine, PCP and heroin. To some people, it should remain that way, however, there are some who strongly insist that marijuana should be legalized. This is because they believe that this herb brings no danger to one's self or anyone. There are even groups of individuals pointing out the medical benefits of marijuana, which should not be denied to people. Still, there are some people who believe that marijuana should be further explored before making any actions.

As debates and arguments regarding medical cannabis continues to drag on, more and more researchers are continuing with their tests regarding the use of medical marijuana. Others have even come up with various strains of marijuana, which can help in treating certain illnesses. As more of these tests and researches provide scientific and credible results, more and more medical experts are seeing the potential of medical marijuana. In fact, many states today are supporting the use of it for medicinal purposes.

Indeed, every drug has a risk, including the most common ones that are found inside medicine cabinets. Medical experts and doctors would often balance the risks against the good these medicines would bring. It is now being done with cannabis as well. The truth is many researchers and experts have found out that marijuana has a lot of medical benefits. It can provide relief to ailments that has symptoms of chronic pain like cancer and severe arthritis. Moreover, it is said to provide relief to AIDS wasting syndrome as well as the nausea during chemotherapy sessions.

Science has also proven the risks of marijuana, but these risks are outweighed by the benefits for the risks are very small. According to several research, medical marijuana's side-effects would be the euphoric mood swings, relaxed and/or impaired motor functions as well as increase in appetite. Compared to other medications that may provide the same results as medical marijuana, this herb doesn't have long-term side-effects and has no risks of overdose.

With all the good talk about medical cannabis, doctors would still say that the danger of using cannabis is not gone. The main concern they have is the effect of cannabis smoke. This smoke has more harmful chemicals and tar as compared to a regular cigarette. Though, this is a proven thing, there's no way you can smoke 20 sticks of marijuana per day. Moreover, many gadgets have been introduced in the market today, which vaporizes marijuana instead of smoking it.