Program administration
CARMA builds and runs specialty insurance programs, from appetite and underwriting through issuance and service.
Specialty MGA and program administrator
Your risk isn't standard.Neither are we.
CARMA helps businesses, retail agents, and brokers move complex accounts forward with specialty programs, responsive service, and direct access to our team.
Non-standard risk
Current program focusCultivation / Processing / Manufacturing / Retail / Distribution / Hemp
How we help
Specialty programs and placement support for complex accounts.
CARMA is a specialty MGA and program administrator. CARMA's current program focus is cannabis and hemp insurance, with specialty brokerage for other complex commercial risks.
Cannabis and hemp programsFeatured program
Our current program focus. CARMA works with businesses across the regulated supply chain, including cultivation, processing, manufacturing, retail, distribution, transportation, and related operations.
- Cultivation
- Processing
- Manufacturing
- Retail
- Distribution
- Hemp
Wholesale specialty capabilities
CARMA considers select commercial package, retail and service, builders risk, construction, real estate, and related property and casualty accounts. Fit is confirmed for each account.
- Commercial package
- Retail and service
- Builders risk
- Construction
- Real estate
Specialty brokerage
For complex risks beyond our current programs, placed account by account through our market relationships. Market and placement availability are confirmed for each account.
Built for momentum
Quick when it fits. Human when it gets complicated.
QuickQuote gives eligible cannabis accounts a faster starting point. When the account needs judgment, context, or a fuller review, the CARMA team is ready to help move it forward.
QuickQuote
Built for mobile
01 / 03
Choose coverage
Select only the coverage lines the account needs.
Non-binding indications in under two minutes.Wherever the account finds you.
Fast indication
A faster start for straightforward accounts.
Eligible cannabis accounts can receive a non-binding indication through QuickQuote in under two minutes. Answer only what applies, then continue through the online application when more detail is needed.
QuickQuote target
Under 2 minTarget for eligible, non-binding QuickQuote indications. Start anytime, wherever work takes you.
Human follow-through
Real people when the account needs more.
Reach CARMA's cannabis insurance team when an account needs judgment, context, or a real conversation. Speed starts the process. Responsive service helps keep it moving.
Work with CARMA
Start with what you know about the risk.
You do not need to solve the insurance structure before contacting CARMA. Begin with the business, its operations, and the immediate need.
Get AppointedAgents and brokers
Have a client that needs coverage?
Retail agents and wholesale brokers can submit a cannabis or hemp insurance account for review, including the business details and coverage needed.
Submit an accountBusiness owners
Have a complex insurance need?
Tell CARMA about your business and the coverage you need. If you already work with an insurance agent, we will support that existing relationship.
Start a business insurance conversationYour client remains your client.CARMA does not solicit agent-submitted insureds.
For agents and brokers
The routine work should be easy to find.
Account-specific next step
Have an account ready for CARMA?
Start with the business and account details you have. CARMA will identify what is needed next.