CARMA logo

Central Arkansas Risk Management Association (CARMA) offers comprehensive property, casualty and liability coverage to its members. By combining these exposures under one program, CARMA members can avoid duplications and gaps which sometimes occur when using multiple insurance policies or programs. CARMA offers more coverage - and fewer exclusions - than commercial insurance or other self-insurance programs. One of CARMA's biggest advantages is that CARMA members have direct representation by naming an official or employee to the Board of Directors. This Board determines policy and operations for the entire risk management program. 

CARMA's “All risk” coverage includes members' physical property, as well as physical damage to repair vehicles in the event of “at fault” auto accidents. Coverage also extends to automobile liability if the accident is determined to be a CARMA member's fault. There is a General Liability component to cover claims for bodily injury and property damage that may arise due to allegations of negligence on the part of the CARMA member. Coverage also includes allegations of various personal injury type claims, discrimination, wrongful termination, and employment practices liability.

For more information, see the CARMA brochure (pdf format).


Current CARMA Members

  • Central Arkansas Resource Conservation and Development Council
  • Central Arkansas Risk Management Association
  • City of Shannon Hills
  • El Paso Fire Department
  • Metroplan
  • Mid-Arkansas Water Alliance (MAWA)
  • Pulaski County Bridge Public Facilities Board
  • Pulaski County Special School District
  • Recycle Saline: A Solid Waste District
  • Regional Recycling & Waste Reduction District
  • Rock Region Metro

CARMA - claims paid

For more information, contact:

Timothy J. Miles, CPCU, ARM
Risk Administrator

501 W. Markham St., Suite B
Little Rock, AR 72201
Phone: (501) 379-1118
Cell: (501) 519-6634
Fax: (501) 372-8060
timothy @

RFP # 18-02
CLOSING DATE: August 30, 2018

The Central Arkansas Risk Management Association continues providing affordable coverage to its members. From October 2012 through September 2016, CARMA members incurred $7.5 million in claims. Despite the costs of providing coverage to its members, CARMA continues to run a net surplus, which helps to cover the costs of future claims development.