--- title: "Inland marine and cargo insurance | CARMA" description: "Inland marine insurance can involve property in transit, mobile equipment, installation, or other property that does not remain at one scheduled location...." canonical: "https://www.carma365.com/cannabis-insurance/inland-marine-cargo/" --- Insurance by coverage # Inland marine and cargo insurance for cannabis businesses Inland marine insurance can involve property in transit, mobile equipment, installation, or other property that does not remain at one scheduled location. The review should follow ownership and custody from origin through destination. 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 [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss a transit exposure](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[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. 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 brief ## What to clarify before discussing this account **Clarify** What property moves, how often, and what is the greatest value at one time? **Confirm** When does custody or financial responsibility transfer between parties? **Prepare** Property description, ownership, values, origins, destinations, frequency, and transit method [Discuss a transit exposure](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Define the property and when it moves](#define-the-property-and-when-it-moves)[Clarify custody, contracts, and security](#clarify-custody-contracts-and-security)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Define the property and when it moves Identify goods, equipment, tools, samples, or other property that travels or is temporarily away from a scheduled location. State its owner, value, origin, destination, frequency, and mode of transport. ## Clarify custody, contracts, and security Explain whether the insured, an employee, a contractor, or a common carrier has custody at each stage. Describe packaging, storage, vehicle or facility security, tracking, contracts, and responsibility for loss. ## Transit and mobile-property questions - What property moves, how often, and what is the greatest value at one time? - When does custody or financial responsibility transfer between parties? - Which contracts, carriers, vehicles, routes, storage points, and security controls apply? ## 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. - Follow property from origin through storage, transit, temporary locations, and final delivery. - Identify ownership, custody, valuation, packaging, conveyance, carriers, routes, and maximum concentration. - Reconcile contracts, shipping records, vehicle information, security controls, and prior transit losses. ## Records for an inland marine or cargo review - Property description, ownership, values, origins, destinations, frequency, and transit method - Carrier, vehicle, custody, packaging, tracking, security, and temporary-storage details - Transportation or customer contracts, loss history, and current cargo or property 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. 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. [Discuss a transit exposure](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)