--- title: "Workers compensation insurance | CARMA" description: "Workers compensation requirements and classifications vary by state and operation. The review should show who does the work, where each duty is performed,..." canonical: "https://www.carma365.com/cannabis-insurance/workers-compensation/" --- Insurance by coverage # Workers compensation insurance for cannabis businesses Workers compensation requirements and classifications vary by state and operation. The review should show who does the work, where each duty is performed, and how payroll is divided rather than treating every employee as part of one cannabis classification. 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 workforce 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** Which job duties and payroll totals apply at each location? **Confirm** Do owners, temporary staff, leased workers, or subcontractors perform operational work? **Prepare** Payroll by state, location, entity, and job duty [Discuss a workforce account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Match payroll to actual job duties](#match-payroll-to-actual-job-duties)[Account for every person performing work](#account-for-every-person-performing-work)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## 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. 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 workforce account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)