---
title: "Programs | CARMA Insurance"
description: "Explore CARMA cannabis and hemp insurance programs plus account-specific wholesale specialty capabilities for complex commercial risks."
canonical: "https://www.carma365.com/programs/"
---

# Specialty programs and brokerage built around the account.

CARMA's current MGA program focus is cannabis and hemp. We also consider select commercial package, retail and service, builders risk, construction, real estate, and other complex property and casualty accounts through specialty brokerage.

## Cannabis and hemp programs

CARMA works with retailers and dispensaries, cultivators, processors and manufacturers, distributors, transporters, and related operations across the regulated supply chain.

Cultivation · Processing · Manufacturing · Retail · Distribution · Transportation · Hemp

[Explore cannabis insurance](/cannabis-insurance/)

## Commercial package and retail

CARMA considers select property and casualty accounts involving real estate, lessor's risk, offices, restaurants, distributors, retail and service operations, exercise and health businesses, and automotive services.

Real estate · Lessor's risk · Offices · Restaurants · Retail and service · Distributors

[Discuss an account](/contact/)

## Builders risk and construction

CARMA considers commercial and residential new construction, repair and remodel projects, and select general and artisan contractor risks through specialty brokerage.

Commercial construction · Residential construction · Repair and remodel · Contractors

[Discuss an account](/contact/)

## Other complex risks

If a risk falls outside CARMA's current program focus, start with the operation, state, timing, current coverage, and placement challenge. CARMA will confirm market availability and account fit.

[Explore specialty brokerage](/specialty-brokerage/)

How CARMA helps

## Program administration and specialty brokerage solve different account needs.

Start with the account, not a label. CARMA will confirm the appropriate path after reviewing the operation, requested coverage, state, and timing.

### Program administration

CARMA develops and administers focused insurance programs. Cannabis and hemp are the current program focus.
[Explore the cannabis and hemp program](/cannabis-hemp-insurance-program/)

### Specialty brokerage

CARMA also helps agents navigate select complex property and casualty accounts outside the current program focus.
[Explore specialty brokerage](/specialty-brokerage/)

Account-specific next step

## Have an account that may fit 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/)