Match payroll to actual job duties
Separate cultivation, manufacturing, warehouse, retail, delivery, clerical, outside sales, and management duties when they exist. Explain employees who divide time among locations or responsibilities.
Account for every person performing work
Identify owners, employees, temporary labor, leased workers, and subcontractors, along with the states where they work. Describe safety practices, return-to-work procedures, and any operations that involve vehicles, chemicals, machinery, lifting, or public interaction.
Workforce questions to resolve before submission
- Which job duties and payroll totals apply at each location?
- Do owners, temporary staff, leased workers, or subcontractors perform operational work?
- What safety controls address the principal tasks and prior loss patterns?
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.
- Divide payroll by state, entity, location, and actual job duty rather than using one broad description.
- Account for owners, temporary labor, leased workers, subcontractors, and employees who split duties.
- Connect loss patterns and safety controls to vehicles, chemicals, machinery, lifting, and public interaction.
Records for a workers compensation review
- Payroll by state, location, entity, and job duty
- Employee counts, owner information, class codes, and subcontractor or temporary-labor details
- Loss runs, safety programs, current policy information, and experience-modification records when available
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.