Admitted insurers, non-admitted insurers, RRGs, MGAs and MGUs
A retail-agent guide to insurer status, risk retention groups and delegated underwriting. Learn what admitted, non-admitted, RRG, MGA and MGU labels tell you.
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Wholesale appetite: general liability
General liability we place.
The baseline cover almost every lease, vendor agreement and customer contract requires — admitted or E&S. Already appointed? Send us the account. New here? Apply for appointment below.
General liability is the broadest commercial cover for third-party bodily injury and property damage — at the insured's premises, in their operations, from their products and in their advertising. It's the foundation policy almost every commercial account carries.
Placing a restaurant or bar that sells alcohol? Review liquor liability alongside GL. A GL declaration alone does not establish alcohol-service coverage; compare the exclusions and endorsements before presenting the terms.
The triggers
we hear most.
A landlord, customer or contract requires proof of GL.
GL is the baseline cover almost every commercial lease, vendor agreement and customer contract demands. We review requested limits and additional-insured requirements against available terms. Binding is handled by the insurer or an underwriter with delegated authority, not Nomos.
The account has real public or third-party exposure.
Slip-and-fall, water damage and other third-party bodily injury at the insured's premises is the most common GL loss driver — and the one underwriters look at first.
The insured's work or products can damage a third party.
Products-completed operations (a sub-coverage of GL) responds to bodily injury or property damage caused by what the insured makes, sells or does — including after the job is finished or the product is shipped.
A contract demands additional-insured status for a client.
GCs, large owners, landlords and enterprise customers all routinely require additional-insured endorsements and waivers of subrogation. We review those requirements, including primary, non-contributory language, against available policy terms; exact wording is subject to market review and approval.
Inside the
policy.
Third-party bodily injury
Claims by customers, visitors and the public for injuries arising from your premises, operations or products.
Third-party property damage
Damage to property owned by others caused by your operations — including damage during the work you perform on a client's site.
Products & completed operations
Liability arising from products you sell or work you've finished — including claims that surface long after the job is done.
Personal & advertising injury
Cover for libel, slander, copyright in advertising and similar claims — and the defence costs to fight them.
Where buyers
get caught out.
Damage to property in the insured's care
Property the insured is working on or holding is generally excluded — that needs inland marine or a care, custody & control endorsement.
Pure economic / financial loss
If the insured's advice or service cost a client money but no one was hurt and nothing was damaged, that's professional liability, not GL.
Employee injury
Workers hurt on the job sit with workers' compensation, not GL.
Industries we
place this for.
Construction & contractors
Review GL and additional-insured requirements in GC and owner contracts, including for high-hazard trades.
See the pageRestaurants & food service
GL bundled into the BOP, plus the additional-insured wording most landlords require.
See the pageManufacturing
GL with products-completed operations sized to the product class and distribution model.
See the pageReal estate & property
GL for slip-and-fall, water damage and the public-area exposures across the portfolio.
See the pageNon-profits
GL plus abuse and molestation cover for organisations working with the public, minors or volunteers.
See the pageDaycares & childcare
GL plus dedicated abuse and molestation limits — written by carriers that specialise in childcare.
See the page
How we place
this line.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
Suitable accounts move to an underwriter after a licensed broker reviews the match and final file. Carrier response and quote timing depend on the account and market.
Just send the file
No upfront appointment required. Send the file you have and we’ll let you know what it needs next.
More to help place
this account.
E&S vs. surplus lines insurance: what is the difference?
E&S and surplus lines are often used interchangeably, but they describe different parts of specialty insurance. A retail-agent guide to the terms and the placement process.
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Cannabis and hemp product liability: submission checklist
A retail-agent guide to preparing cannabis and hemp product-liability submissions for cultivation, processing, distribution, dispensary and delivery operations.
Read the piece
E&S Placement Stories
See the placement in practice.
Actual accounts, the challenges retail agents brought us, and how Nomos helped place them.
Bar facing non-renewal after a serious liability claim
A bar non-renewal after a serious liability claim
How Nomos helped a retail agent replace a bar's GL and liquor liability coverage through E&S markets after a serious claim and non-renewal.
General liability · Liquor liability
Read the storyResidential roofing contractor using employees and subcontractors
Roofing GL outside the agent's admitted-market options
How Nomos helped a retail agent place E&S general liability for a residential roofing contractor after its available admitted options declined.
General liability
Read the story
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the file.
No upfront appointment required. Send the file you have; we'll let you know within 30 minutes if it's something we can help with.
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