--- title: "Product liability insurance | CARMA" description: "Product liability review follows a product from ingredients and manufacturing through testing, labeling, distribution, and sale. The submission should..." canonical: "https://www.carma365.com/cannabis-insurance/product-liability/" --- Insurance by coverage # Product liability insurance for cannabis businesses Best for Agents and brokers preparing this type of account Product liability review follows a product from ingredients and manufacturing through testing, labeling, distribution, and sale. The submission should make clear who controls each step and who is responsible when products are made for another brand. 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/) [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. 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. Agents and brokers preparing a cannabis product liability submission for a manufacturer, brand, distributor, retailer, or white-label operation. **01 Start here when** The account needs responsibility traced from ingredients and manufacturing through testing, labeling, distribution, sale, complaints, and recall. **02 Have ready** Product list, ingredients, suppliers, manufacturers, testing, labels, sales, contracts, quality controls, recall procedures, and product loss history. **03 What happens next** Use the online application to provide the product chain and responsibility detail needed for underwriting review. [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 [Trace each product from supplier to customer](#trace-each-product-from-supplier-to-customer)[Connect quality control to recall readiness](#connect-quality-control-to-recall-readiness)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Trace each product from supplier to customer Identify product formats, ingredients, suppliers, manufacturing parties, testing, labels, storage, distribution, and sales channels. Separate products made in-house from products purchased for resale or made under a white-label agreement. ## Connect quality control to recall readiness Describe batch records, release procedures, complaint handling, traceability, contracts, and recall responsibilities. Explain how the business identifies affected lots and communicates with customers or distribution partners. ## Product questions to resolve before submission - Who manufactures, tests, labels, distributes, and owns each brand? - How are ingredients, batches, test results, complaints, and product changes documented? - Which contracts assign defense, indemnity, recall, or insurance responsibilities? ## 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. - Trace each product from ingredients and manufacturing through testing, labeling, distribution, and sale. - Separate products made in-house, purchased for resale, and produced under white-label agreements. - Show how batch records, complaints, traceability, contracts, and recall responsibility work together. ## Records for a product liability review - Product list with formats, ingredients, sales, labels, suppliers, and manufacturers - Testing, quality-control, traceability, complaint, and recall procedures - Manufacturing, white-label, distribution, and vendor agreements plus product loss history ## 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 the online application](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)