--- title: "Professional liability insurance | CARMA" description: "Professional liability review focuses on financial harm alleged to result from advice, services, or errors rather than bodily injury or product injury..." canonical: "https://www.carma365.com/cannabis-insurance/professional-liability/" --- Insurance by coverage # Professional liability insurance for cannabis businesses Professional liability review focuses on financial harm alleged to result from advice, services, or errors rather than bodily injury or product injury alone. The submission should describe the work and the standard the client expects the business to meet. 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 professional account](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 advice, service, report, or deliverable does the client rely on? **Confirm** Which credentials, review procedures, and contract terms apply to that work? **Prepare** Service and customer descriptions with revenue by service [Discuss a professional account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Define the service, deliverable, and client](#define-the-service-deliverable-and-client)[Show how work is accepted and checked](#show-how-work-is-accepted-and-checked)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Define the service, deliverable, and client Identify each professional service, customer type, fee source, deliverable, and credential involved. Explain whether the business designs, recommends, certifies, manages, tests, interprets, or advises. ## Show how work is accepted and checked Describe contracts, scope controls, peer review, quality assurance, documentation, client approval, complaint handling, and use of subcontractors. Explain any work for higher-consequence customers or projects. ## Professional liability questions to resolve - What advice, service, report, or deliverable does the client rely on? - Which credentials, review procedures, and contract terms apply to that work? - Have clients alleged missed deadlines, errors, incomplete work, or financial loss? ## 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. - Describe the advice, design, testing, consulting, or other professional service customers rely on. - Explain contracts, scope controls, qualifications, documentation, client approval, and use of subcontractors. - Identify prior errors, complaints, disputes, claims, and work involving higher-consequence decisions. ## Records for a professional liability review - Service and customer descriptions with revenue by service - Sample contracts, scopes, credentials, review procedures, and subcontractor details - Complaint, claim, and loss history plus current professional liability 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 professional account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)