---
title: "How to Use Cannabis Appetite Guidance | CARMA"
description: "Confirm the date, source, state, coverage, and account-specific conditions behind appetite guidance."
canonical: "https://www.carma365.com/insights/safe-appetite-matrix/"
---

Appetite guidance / CARMA field guide

# Check when appetite guidance was last reviewed.

Appetite can change by account, state, requested coverage, and available market, so confirm the latest guidance before making a promise.

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 [Summer Jenkins-Wilson, EVP](/experts/summer-jenkins-wilson/) [How we publish guidance](/editorial-standards/)

Account brief

## Use this guide to focus the account discussion

**Why it matters**

Appetite guidance is useful for screening, but it cannot replace an account-specific review of the operation, state, coverage request, current market, and supporting information.

**Question to resolve**

Check the date and source before relying on an appetite entry.

**Record to prepare**

The date, source, and scope of the guidance

[Contact underwriting about account fit](/contact-underwriting/)
On this page 4 sections

## Why this matters to the submission

Appetite guidance is useful for screening, but it cannot replace an account-specific review of the operation, state, coverage request, current market, and supporting information.

## Questions to put on the record

- Check the date and source before relying on an appetite entry.

- Treat conditional fit and account-specific exceptions as questions for CARMA.

- Confirm carrier and coverage details directly with CARMA before sharing them with an insured.

## What to confirm before relying on guidance

- The date, source, and scope of the guidance

- The state, operation, requested coverage, and important account conditions

- Any exception, unresolved question, or carrier-dependent requirement

## 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.

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/).

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Next step

## Need an account-specific appetite check?