Insurance by business type

Cannabis delivery and transportation insurance

Cannabis delivery and transportation accounts require a clear view of vehicle ownership, drivers, territory, custody, security, contracts, and the goods being moved. The submission should separate delivery for the insured's own sales from transportation performed for other businesses.

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.

On this page 5 sections

Map the delivery model from pickup to handoff

Describe orders, pickup, loading, routes, customer verification, delivery, failed deliveries, returns, cash collection, and storage. Identify who owns the goods and when custody changes.

Match vehicles and drivers to the work

Separate owned, leased, rented, employee-owned, and contractor vehicles. Provide driver screening, motor vehicle records, radius, garaging, tracking, security, communication, and incident procedures.

Delivery and transportation questions

  • Is the business delivering its own sales, transporting for others, or doing both?
  • Who owns and insures the goods, cash, and vehicles at each point in the trip?
  • How are drivers, routes, customer verification, security, failed deliveries, and incidents managed?

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 whether the business owns product, transports for others, or performs delivery as part of retail operations.
  • Identify vehicles, drivers, routes, radius, custody, cargo values, cash handling, security, and tracking.
  • Reconcile delivery contracts, vehicle schedules, driver records, licenses, prior losses, and requested coverage.

Records for a delivery or transportation submission

  • Delivery model, service territory, goods, values, custody, cash, and customer information
  • Vehicle and driver schedules, motor vehicle records, garaging, radius, tracking, and security controls
  • Customer and transportation contracts, licenses, loss history, and current auto or cargo coverage

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.

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Account-specific review

Bring CARMA the account.

Retail agents, wholesale brokers, and business owners can start with the details they have.