---
title: "For Agents | CARMA Insurance"
description: "QuickQuote, submissions, applications, appointment information, and agent protection from CARMA."
canonical: "https://www.carma365.com/for-agents/"
---

For retail agents & brokers

# Bring the difficult account. Keep the relationship clear.

Agent protection

## Protecting the retail relationship.

Your client remains your client. CARMA does not solicit agent-submitted insureds. When you bring CARMA an account, we keep your agency involved in the process.

At a glance

## How does CARMA help retail insurance agents?

CARMA helps retail agents prepare cannabis, hemp and other specialty accounts for review. Start with the operation, locations, requested coverage and timing. Your client remains your client. CARMA does not solicit agent-submitted insureds.

### What should I prepare first?

Bring the legal business name, operations, locations, requested coverage, effective date and available loss information. Identify missing records rather than guessing.

### Does an appetite match confirm coverage?

No. CARMA must confirm account fit, licensing, market availability and terms for the specific account.

Summary updated September 5, 2026 . [Editorial standards](/editorial-standards/)

01
## Choose where to begin

Use QuickQuote for straightforward business, submit a complex account to CARMA, or start a conversation while the risk is still taking shape.

02
## Share the account details

Start with the operation, requested coverage, state, effective date, certificate timing, values, and losses.

03
## Know what happens next

CARMA will identify the information needed to continue reviewing the account.

[Submit an account](https://broker-forms-sandbox.pages.dev/application)[Partner with CARMA](/partner/)[Complete the full online application](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Speak with the CARMA team](/contact/)[Open agent resources](/resources/)

Evaluating an MGA

## What agents should expect from a cannabis insurance MGA.

A useful MGA relationship should make it easier to screen the risk, prepare the submission, reach the right person, and keep the retail relationship clear.

- Clear appetite: Practical guidance on operations, exposures, and the details needed for account review.

- Usable submission paths: QuickQuote for eligible straightforward risks and a full online application for detailed review.

- Access to people: A direct route to the CARMA team when the account does not fit a standard workflow.

- Relationship clarity: Your client remains your client. CARMA does not solicit agent-submitted insureds.
[Review CARMA appetite](/appetite-guidance/)