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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.


Current CARMA Members

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


For more information, contact:

Jay Morgan

815 Technology Dr, Suite 242105 Little Rock, AR 72223