--- title: "Cannabis and hemp insurance program for brokers | CARMA" description: "CARMA is an MGA and program administrator that works with retail agents and brokers on cannabis and hemp accounts. Start with the operation and the..." canonical: "https://www.carma365.com/cannabis-hemp-insurance-program/" --- For retail agents and brokers # Cannabis and hemp insurance program for brokers Best for Agents and brokers preparing this type of account CARMA is an MGA and program administrator that works with retail agents and brokers on cannabis and hemp accounts. Start with the operation and the coverage decision, then provide the records that make the risk understandable. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Bryan Mosser, EVP & Chief Revenue Officer](/experts/bryan-mosser/) [How we publish guidance](/editorial-standards/) [Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Start the online application](https://broker-forms-sandbox.pages.dev/application) Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage. Important insurance information This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance. Account starting point ## Use this page when the account matches this situation. Retail agents and wholesale brokers looking for a cannabis or hemp program and a responsive underwriting path. **01 Start here when** You need to confirm whether a cannabis or hemp account belongs in CARMA's current program focus. **02 Have ready** A plain-language operations description, entity and location schedule, requested coverage, values, loss history, current insurance, and target date. **03 What happens next** Start with QuickQuote when the account is eligible and straightforward. Continue through the online application when more detail is needed. [Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Start the online application](https://broker-forms-sandbox.pages.dev/application)[Speak with the CARMA team](/contact/) Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage. On this page 5 sections On this page [Choose the most useful starting point](#choose-the-most-useful-starting-point)[Give underwriting a decision-ready account story](#give-underwriting-a-decision-ready-account-story)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## 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. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Start a business insurance conversation](/contact/)