--- title: "Cannabis wholesaler and distributor insurance | CARMA" description: "Cannabis wholesale and distribution accounts depend on who owns the product, who stores or transports it, which contracts control, and where..." canonical: "https://www.carma365.com/cannabis-insurance/wholesalers-distributors/" --- Insurance by business type # Cannabis wholesaler and distributor insurance Best for Agents and brokers preparing this type of account Cannabis wholesale and distribution accounts depend on who owns the product, who stores or transports it, which contracts control, and where responsibility changes. The submission should follow products from supplier through warehouse, transit, and customer delivery. 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 insurance for cannabis wholesalers, distributors, warehouses, or transportation-linked operations. **01 Start here when** The account buys, stores, transports, fulfills, or distributes products and responsibility changes across suppliers, warehouses, carriers, or customers. **02 Have ready** Products, suppliers, customers, sales, ownership and custody terms, locations, stock values, security, transportation, contracts, and losses. **03 What happens next** Use the online application to show how product ownership, custody, storage, and transportation work across the account. [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 [Follow product ownership and custody](#follow-product-ownership-and-custody)[Describe warehouse, transit, and product controls](#describe-warehouse-transit-and-product-controls)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Follow product ownership and custody Identify products, suppliers, customers, purchasing, sales, consignment, title transfer, storage, fulfillment, transportation, returns, and any property belonging to others. Separate wholesale activity from manufacturing or retail. ## Describe warehouse, transit, and product controls Provide values, locations, security, environmental conditions, inventory systems, carriers, vehicles, drivers, contracts, testing records, complaints, traceability, and recall responsibilities. ## Wholesale and distribution questions - When does the business take title to or custody of each product? - Who stores, transports, tests, labels, and delivers goods, and under which contracts? - How are inventory, security, traceability, customer complaints, and recalls 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. - Follow product ownership and custody through purchasing, warehousing, fulfillment, transportation, and delivery. - Separate wholesale activity from manufacturing, relabeling, importing, private-label work, and retail sales. - Reconcile stock values, security, traceability, contracts, carriers, complaints, recalls, and prior losses. ## Records for a wholesale or distribution submission - Product, supplier, customer, sales, ownership, and custody information - Warehouse, stock-value, security, transportation, vehicle, cargo, and traceability details - Supplier, customer, carrier, and storage contracts plus licenses, losses, and current 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. [Start the online application](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)