CARMA leadership
Zimraan Shikari
Director, Underwriting
Zimraan Shikari is Director, Underwriting at CARMA Insurance. His work at CARMA focuses on underwriting, risk controls, property and inventory questions, extraction, and submission quality.
Focus at CARMA
Current areas of focus.
- Underwriting
- Risk controls
- Property and inventory
- Submission quality
Articles by Zimraan Shikari
Account guidance and market commentary.
Dispensary compliance starts with records the business can explain
A practical way for brokers and dispensary operators to organize licenses, inventory controls, security records, marketing review, and material changes for an insurance conversation.
Read article op-edProduct recall readiness starts before a claim
Cannabis and hemp brands, manufacturers, distributors, and retailers need a clear responsibility map, traceable records, and a tested response process before a product problem appears.
Read article coverage educationEdibles and flower present different insurance questions
Product format changes the manufacturing, ingredient, testing, labeling, storage, contract, and recall facts that a broker should bring into the submission.
Read article disaster readiness guideWildfire readiness for California cannabis businesses
A pre-loss checklist for people, licensed inventory, property values, business interruption, records, emergency movement, and insurance notice.
Read article renewal risk guideA cannabis risk review should start with what changed
Before renewal or a new market approach, reconcile the business, products, locations, values, contracts, people, systems, losses, and controls into one current account story.
Read article equipment and process guideHow to present cannabis extraction equipment to an insurance market
The useful submission connects the extraction method, equipment, approvals, protection, maintenance, values, bottlenecks, and recovery plan.
Read article claims preparation guideWhat to do after a loss at a cannabis business
Protect people, follow emergency and regulator instructions, locate the policy notice requirements, preserve the facts, and coordinate the response with the broker, carrier, and qualified advisers.
Read article Underwriting field notesCannabis inventory is not one number
A useful inventory schedule separates stage, ownership, location, valuation, concentration, records, and the time needed to restore the operation.
Read article