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.
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For property managers & owners
Insurance for property & real estate.
Property managers, HOAs and owners across multifamily, retail and commercial portfolios.
Wire-fraud at closing is the largest real-estate cyber claim. We bind it explicitly. See our cyber cover for business
The real risk
The questions every
owner should ask.
A tenant slipped on ice in the lobby. What kicks in?
General liability covers third-party bodily injury at the property — including slip-and-fall, the most common loss in multifamily and commercial real estate. The right limit and additional-insured posture for ownership entities is where most policies fall short.
Our HOA board is being personally sued by a homeowner. Now what?
D&O for community associations and management companies pays defence costs and any award against the board personally. Standard package policies almost never include it at meaningful limits — we write it on its own.
A staff member alleges harassment by a unit owner. Do we have cover?
EPLI covers wage, harassment, discrimination and wrongful termination claims brought by employees and, with the right wording, third parties — which matters for residential staff who deal with the public daily.
A closing wire was redirected to a fraudulent account. Are we covered?
Wire-fraud and social-engineering losses are now the single largest cyber claim in real estate. A standard crime policy almost always sub-limits or excludes it. We bind cyber and crime explicitly for funds-transfer fraud — at closing, on rent, and on vendor payments — sized to the dollars actually moving through your operation.
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.
Commercial property & GL
Building, common-area contents and loss of rents, plus GL for slip-and-fall, water damage and other third-party claims at the property.
Learn about this coverD&O for boards & managers
Personal liability cover for HOA boards, condo boards and management-company directors — the line homeowners and unit owners are most likely to sue over.
Learn about this coverEPLI & crime
Employment-practices cover for property staff, plus crime/fidelity for funds handled on behalf of associations and owners.
Learn about this coverCyber, wire-fraud & tenant-PII cover
Funds-transfer fraud cover for closings, rent and vendor payments, plus tenant-PII breach response — paired with crime so the two policies overlap where wire-fraud loss actually lands.
Learn about this cover Why Nomos
A broker that works
the whole market.
Asset class, not just SIC code
Garden-style multifamily, mid-rise, single-tenant retail and self-storage all price differently. We submit with the asset-class detail carriers actually want to see.
Lender and JV requirements, handled
We read the lender insurance exhibit and the JV agreement and bind to the exact additional-insured, loss-payee and waiver language required.
Portfolio renewals, not one-offs
Single programmes across multiple properties and entities — one renewal, one certificate workflow, one schedule of values that stays accurate.
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.
Property management companies
Multifamily and mixed-use owners
HOAs and condo associations
Single-tenant retail, office and industrial owners
Self-storage and small commercial portfolios
From field notes
What we're writing
on this.
Wire fraud at closing: why your crime policy probably doesn't cover it
Wire-fraud losses are now the largest single cyber claim in real estate. Most crime policies sub-limit or exclude the exact scenario that creates them.
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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
Portfolio cover
placed properly.
Tell us about the properties you manage or own. We'll shop the carriers that actually want your asset class and bind to your lender, JV and ground-lease requirements.
Property and GL across the whole portfolio
D&O for HOA boards and management companies
Cyber and wire-fraud cover for closings and rent
Lender wording matched first time