Choose the most useful starting point
Use QuickQuote when the available account details fit that pathway, submit a fuller account when the operation or coverage needs more context, or contact CARMA while the facts are still taking shape. CARMA confirms the appropriate next step after reviewing the account.
Give underwriting a decision-ready account story
Connect the insured entities, operations, locations, requested coverage, timing, values, controls, contracts, and loss history. Flag missing documents or unresolved questions directly so the team can distinguish an open item from an overlooked exposure.
Broker questions to settle before submission
- What decision does the insured need, for which entities, coverages, and effective date?
- Which operational facts or documents make this cannabis or hemp account different from a standard submission?
- What is complete, what is still being gathered, and which question needs CARMA's input first?
What CARMA wants the submission to explain
These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.
- Explain what the insured does in plain language before relying on applications or class descriptions.
- Identify what is complete, what is still being gathered, and which decision the agent needs from CARMA.
- Keep entity, license, location, values, loss history, contracts, and requested coverage records consistent.
Broker submission records
- Named insureds, ownership, locations, licenses, and concise operations narrative
- Requested coverage, effective date, current coverage, target decision, and open questions
- Relevant applications, exposure schedules, contracts, values, loss history, and supporting records
Can CARMA consider this account?
CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.