---
title: "Cannabis and Hemp Submission Checklist | CARMA"
description: "Use CARMA's cannabis and hemp insurance checklist to organize operations, exposures, records, and open questions before account review."
canonical: "https://www.carma365.com/resources/cannabis-hemp-submission-checklist/"
---

Submission tool / CARMA Insurance

# Cannabis and hemp insurance submission checklist

Organize the operation, exposures, records, contracts, and open questions before an account review.

Prepared by [CARMA Insurance](/about/)

Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) [How we publish guidance](/editorial-standards/)

Account brief

## What a useful submission makes clear

**Start with the account**

Named insureds, ownership, locations, licenses, and the retail agent or broker relationship

**Describe the operation**

How inputs are received and products are grown, made, tested, stored, transported, and sold

**Organize property and inventory**

Building and tenant responsibilities, replacement values, equipment schedules, and critical lead times

[Submit an account](https://broker-forms-sandbox.pages.dev/application)

A useful submission makes the business understandable. Begin with what is known, identify what is missing, and connect each value and exposure to the correct entity and location.

## Start with the account

- Named insureds, ownership, locations, licenses, and the retail agent or broker relationship

- A plain-language description of what happens at each location

- Requested coverage, effective date, current insurance, known gaps, and the decision needed

- Revenue, payroll, property, equipment, inventory, products, vehicles, and available loss history

## Describe the operation

- How inputs are received and products are grown, made, tested, stored, transported, and sold

- Critical equipment, utilities, fire protection, environmental controls, security, and business dependencies

- Suppliers, laboratories, contract manufacturers, distributors, delivery partners, and technology vendors

- Material changes, citations, recalls, complaints, losses, corrective actions, and planned expansion

## Organize property and inventory

- Building and tenant responsibilities, replacement values, equipment schedules, and critical lead times

- Inventory by stage, location, ownership, valuation method, reporting method, and seasonal peak

- Backup power, climate control, water, alarms, monitoring, and catastrophe exposure

- Revenue, continuing expenses, restoration assumptions, and supplier or license dependencies

## Connect products and contracts

- Product catalog, ingredients, labels, testing, batch release, traceability, complaints, and recall procedures

- Formulation, manufacturing, packaging, distribution, and white-label responsibilities

- Leases, customer and vendor agreements, indemnity, insurance requirements, and certificate deadlines

- The source of every requested limit, endorsement, additional insured, waiver, or wording requirement

## Before sending the account

- Can someone understand the operation in two minutes?

- Do the values reconcile across the application, schedules, and narrative?

- Are ownership, custody, contracts, and responsibilities clear?

- Are material losses, recalls, citations, and changes explained?

- Are current controls separated from planned improvements?

This checklist is general guidance, not an application or a promise of appetite, coverage, terms, or placement. Do not place protected personal information, payment data, credentials, trade secrets, or unnecessary facility-security details in a general web form.

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/).

[Back to top](#main-content)

Account-specific next step

## Have enough information to begin the account review?

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/)