Florida and California commercial property: where the E&S market is in 2026
Standard commercial property carriers have largely exited Florida and California. Here's what the E&S market looks like for commercial buyers in 2026.
Read the piece
For manufacturers
Insurance for manufacturers.
Mid-market manufacturers across food, plastics, metalworking, electronics and components.
Cyber and OT exposure is where most manufacturers are underinsured. See our cyber cover for business
The real risk
The questions every
owner should ask.
A customer is suing over a defective unit. What pays?
Products & completed operations liability — usually written into your GL — covers third-party bodily injury and property damage from the products you make. Recall and first-party loss are separate covers we'll quote where relevant.
We lost a key supplier and production stalled. Is that covered?
Contingent business interruption extends BI to losses caused by a supplier or named upstream/downstream partner. It's an endorsement most generalist brokers forget to add.
A press broke down and we were offline for a week. Is repair the only cost?
Equipment breakdown (boiler & machinery) covers repair plus lost income while the line is down. Standard property forms typically exclude mechanical and electrical failure.
Could a ransomware attack actually shut down our line?
Yes — and it's now the largest single business-interruption loss most mid-market manufacturers face. Standard cyber forms don't always trigger when operational technology (OT) and ICS systems are what gets hit. We bind cyber with OT and contingent BI language that responds when production stops, not just when the office network does.
Inside the cover
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Product liability & GL
Bodily injury and property damage tied to products you manufacture, sell or distribute — placed with carriers that price your product class on its actual loss history.
Learn about this coverCommercial property & business interruption
Buildings, plant, stock and finished goods — plus business interruption and contingent BI when a supplier or customer goes offline and stalls your line.
Learn about this coverEquipment breakdown
Mechanical and electrical failure of presses, CNC, boilers and process equipment, including expediting expense and lost income while you wait on parts.
Learn about this coverCyber liability with OT coverage
Ransomware on the office network is one loss. Ransomware that stops the line is another. We place cyber with OT/ICS and contingent BI language that responds when production halts.
Learn about this cover Why Nomos
A broker that works
the whole market.
Right markets, right product class
Food, plastics, metalworking and electronics each price wildly differently. We go to the carriers that want your specific product class — not a one-size-fits-all package market.
Product recall, when you actually need it
Recall is a fast-moving market with real exclusions. We'll tell you whether you need it, what limit makes sense, and which form actually responds.
Loss control that doesn't waste your day
We coordinate carrier loss-control visits, package the documentation you already have, and stop the cycle of repeated questionnaires every renewal.
How it works
From first call
to bound cover.
01
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
02
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
03
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Best fit
Who this is
built for.
Light and heavy manufacturers
Food & beverage producers, co-packers and bottlers
Plastics, metalworking and CNC shops
Electronics, components and assembly
Distributors and wholesalers with branded private-label product
From field notes
What we're writing
on this.
OT/ICS ransomware: when a cyber claim becomes a property loss
Ransomware that hits operational technology — PLCs, SCADA, plant controls — increasingly produces physical damage. The insurance form question is which policy actually pays.
Read the piece
What does cyber insurance actually cover? A line-by-line breakdown
Cyber is now a baseline policy for any serious firm. Here's what's inside it, what's not, and where the form choices most often bite.
Read the piece
Get a quote
Cover sized to
your actual line.
Tell us what you make and how you ship it. We'll shop carriers that price your product class on its real loss history, and come back with options worth comparing.
Product liability with the right form for your class
BI and contingent BI sized to your supply chain
Cyber sized to OT/ICS shutdown exposure
Equipment breakdown with realistic expediting