Account brief
Use this guide to focus the account discussion
- Why it matters
- CARMA uses five account checkpoints to make a complex risk easier to understand: identity, operation, exposure, controls, and the requested decision.
- Question to resolve
- Can the reviewer connect every legal entity, location, license, operation, and requested coverage?
- Record to prepare
- An entity and location schedule that connects ownership, licenses, operations, and requested coverage
On this page 4 sections
Why this matters to the submission
The framework does not require a perfect file. It makes what is known, what is missing, and who owns the next step visible before review begins.
Questions to put on the record
- Can the reviewer connect every legal entity, location, license, operation, and requested coverage?
- Do the values, revenue, payroll, products, vehicles, and losses belong to the correct entity and location?
- Does the submission distinguish confirmed facts, missing records, timing, and the decision the client needs?
- Are process hazards, controls, contracts, and dependencies described in plain language?
- Is there one clear next action for the retail agent, wholesale broker, client, and CARMA?
The minimum useful account record
- An entity and location schedule that connects ownership, licenses, operations, and requested coverage
- Current applications, values, revenue, payroll, products, vehicles, losses, contracts, and available supporting records
- A short account brief that identifies timing, missing information, the requested decision, and ownership of each open item
What this guide can help with
This guide helps organize the account discussion. It does not confirm eligibility, available markets, coverage, pricing, licensing, or an outcome for a specific account.