--- title: "CARMA Insurance | Specialty MGA and Program Administrator" description: "CARMA is a specialty MGA and program administrator serving agents, brokers, and businesses through cannabis and hemp programs and broader specialty capabilities." canonical: "https://www.carma365.com/" --- Specialty MGA and program administrator # Your risk isn't standard. Neither are we. CARMA helps businesses, retail agents, and brokers move complex accounts forward with specialty programs, responsive service, and direct access to our team. [Submit an account](https://broker-forms-sandbox.pages.dev/application)[Programs](#programs) ![Technician selecting a rooted cannabis clone from a labeled propagation tray.](/images/program-focus/program-focus-desktop.png) Non-standard risk Current program focus Cultivation / Processing / Manufacturing / Retail / Distribution / Hemp How we help ## Specialty programs and placement support for complex accounts. CARMA is a specialty MGA and program administrator. CARMA's current program focus is cannabis and hemp insurance, with specialty brokerage for other complex commercial risks. ### Program administration CARMA builds and runs specialty insurance programs, from appetite and underwriting through issuance and service. [View capability](/programs/) ### Cannabis and hemp programs Featured program Our current program focus. CARMA works with businesses across the regulated supply chain, including cultivation, processing, manufacturing, retail, distribution, transportation, and related operations. - Cultivation - Processing - Manufacturing - Retail - Distribution - Hemp [Explore the program](/cannabis-insurance/)[Cannabis and hemp appetite](/appetite-guidance/#cannabis-hemp)[Download PDF](/downloads/carma-cannabis-hemp-appetite-guide.pdf) ### Wholesale specialty capabilities CARMA considers select commercial package, retail and service, builders risk, construction, real estate, and related property and casualty accounts. Fit is confirmed for each account. - Commercial package - Retail and service - Builders risk - Construction - Real estate [View capabilities](/programs/)[Wholesale specialty appetite](/appetite-guidance/#wholesale-specialty)[Download PDF](/downloads/carma-wholesale-specialty-appetite-guide.pdf) ### Specialty brokerage For complex risks beyond our current programs, placed account by account through our market relationships. Market and placement availability are confirmed for each account. [View capability](/specialty-brokerage/) Built for momentum ## Quick when it fits. Human when it gets complicated. QuickQuote gives eligible cannabis accounts a faster starting point. When the account needs judgment, context, or a fuller review, the CARMA team is ready to help move it forward. QuickQuote Built for mobile QuickQuote ![QuickQuote mobile screen: Choose coverage](/images/quickquote/coverage-selection.png) 01 / 03 ### Choose coverage Select only the coverage lines the account needs. Non-binding indications in under two minutes. Wherever the account finds you. Fast indication ### A faster start for straightforward accounts. Eligible cannabis accounts can receive a non-binding indication through QuickQuote in under two minutes. Answer only what applies, then continue through the online application when more detail is needed. [Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Start the online application](https://broker-forms-sandbox.pages.dev/application) QuickQuote target Under 2 min Target for eligible, non-binding QuickQuote indications. Start anytime, wherever work takes you. Human follow-through ### Real people when the account needs more. Reach CARMA's cannabis insurance team when an account needs judgment, context, or a real conversation. Speed starts the process. Responsive service helps keep it moving. [Speak with the CARMA team](/contact/)[Meet the team](#team) Work with CARMA ## Start with what you know about the risk. You do not need to solve the insurance structure before contacting CARMA. Begin with the business, its operations, and the immediate need. [Get Appointed](/partner/) Agents and brokers ### Have a client that needs coverage? Retail agents and wholesale brokers can submit a cannabis or hemp insurance account for review, including the business details and coverage needed. [Submit an account](https://broker-forms-sandbox.pages.dev/application) Business owners ### Have a complex insurance need? Tell CARMA about your business and the coverage you need. If you already work with an insurance agent, we will support that existing relationship. [Start a business insurance conversation](/contact/) > Your client remains your client. CARMA does not solicit agent-submitted insureds. Team ## Meet the people behind CARMA. [![Jacob Landman, CEO at CARMA Insurance](/brand/jacob-landman.jpg) Jacob Landman CEO](/experts/jacob-landman/) [![Bryan Mosser, EVP & Chief Revenue Officer at CARMA Insurance](/brand/bryan-mosser.jpg) Bryan Mosser EVP & Chief Revenue Officer](/experts/bryan-mosser/) [![Summer Jenkins-Wilson, EVP at CARMA Insurance](/brand/summer-jenkins-wilson.jpg) Summer Jenkins-Wilson EVP](/experts/summer-jenkins-wilson/) [![Zimraan Shikari, Director, Underwriting at CARMA Insurance](/brand/zimraan-shikari.jpg) Zimraan Shikari Director, Underwriting](/experts/zimraan-shikari/) For agents and brokers ## The routine work should be easy to find. Account-specific next step ## Have an account ready for CARMA? Start with the business and account details you have. CARMA will identify what is needed next. [Submit an account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)