---
title: "CARMA Appetite | Cannabis, Hemp and Wholesale Specialty"
description: "Review CARMA cannabis and hemp program appetite, wholesale specialty appetite, submission information, and account-specific review steps."
canonical: "https://www.carma365.com/appetite-guidance/"
---

CARMA appetite

# Find the right starting point for your account.

Use this overview to screen cannabis, hemp, and wholesale specialty opportunities. Every account remains subject to CARMA review and current market availability.

At a glance

## Which accounts can I discuss with CARMA?

CARMA’s appetite overview covers cannabis and hemp operations and select wholesale specialty property and casualty opportunities. Use the operation categories to screen a potential account; state, coverage and market availability must be confirmed individually.

### Does this overview confirm availability in my state?

No. A listed operation is a starting point for discussion. CARMA must confirm the state, licensing, product and current market support for each account.

### Which details help establish fit?

Provide the actual operation, locations, requested coverage, timing and available supporting records. Use the relevant cannabis and hemp or wholesale specialty section below.

Summary updated September 5, 2026 . [Editorial standards](/editorial-standards/)

How to use this page

## Screen the account before promising a path.

- Classify the operation. Describe what the insured actually does.

- Assemble the account details. Include location, requested coverage, timing, and available records.

- Confirm the fit. CARMA reviews eligibility and current market support for each account.

Program appetite

## Cannabis and hemp accounts

CARMA reviews businesses across the regulated supply chain. Start with what the business does, where it operates, the coverage requested, and when it is needed.

**Start here when**

The account involves cannabis or hemp cultivation, processing, manufacturing, retail, distribution, transportation, testing, or related operations.

**Have ready**

The operation, locations, requested coverage, timing, and records already available.

**What happens next**

Use the categories below to identify the closest starting point. CARMA confirms eligibility and current market availability.

### Cultivation and growing

Common account types

- Indoor cultivation

- Greenhouse cultivation

- Related growing operations

### Processing and manufacturing

Common account types

- Extraction

- Processing

- Infused products

- Other manufacturing operations

### Retail and dispensaries

Common account types

- Licensed dispensaries

- Cannabis retailers

- Related storefront operations

### Distribution and transportation

Common account types

- Wholesale

- Distribution

- Delivery

- Transportation

### Testing and ancillary operations

Common account types

- Testing laboratories

- Related regulated supply-chain businesses

### Hemp businesses

CARMA reviews

- The product

- The operation

- The supply chain

- Requested coverage

[Download the cannabis and hemp PDF](/downloads/carma-cannabis-hemp-appetite-guide.pdf)[Explore the cannabis and hemp program](/cannabis-hemp-insurance-program/)[Browse business type guides](/insurance-library/business-types/)

Wholesale specialty appetite

## Property and casualty opportunities

These categories reflect CARMA's current wholesale capability overview. They are starting points for discussion, not a promise of eligibility, terms, or placement.

**Start here when**

The account is a select commercial property or casualty risk outside CARMA's current cannabis and hemp program focus.

**Have ready**

The operation, property details, requested coverage, timing, and records already available.

**What happens next**

Match the account to the closest category below. CARMA confirms appetite and placement support account by account.

### Commercial package

Common account types

- Real estate

- Lessors risk

- Offices

- Restaurants

- Retail and mercantile

- Distributors

- Automotive services

### Retail and service

Common account types

- Retail and service businesses

- Exercise and health operations

- Equipment rental

- Contractors

- Specialty stores

### Builders risk and construction

Common account types

- Commercial projects

- Residential projects

- New construction

- Repair and remodel work

- General contractors

- Artisan contractors

[Download the wholesale appetite PDF](/downloads/carma-wholesale-specialty-appetite-guide.pdf)[Explore all capabilities](/programs/)[Discuss a specialty risk](/specialty-brokerage/)

What to send

## Give underwriting enough context to respond.

- Legal business name and a plain description of the operation

- Primary location and any additional operating locations

- Requested coverage, desired effective date, and immediate timing needs

- Current coverage and the applications or supporting records already available

Have an account ready?

## Start with the risk information you have.

[Submit an account](https://broker-forms-sandbox.pages.dev/application)[Contact underwriting](/contact-underwriting/)[Get appointed](/partner/)

Fit, licensing, carrier participation, pricing, limits, terms, and availability are confirmed for each account.