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 restaurants & bars
Insurance for restaurants & bars.
Full-service, fast-casual, bars and multi-location operators — with carriers that actually want food and beverage risk.
The real risk
The questions every
owner should ask.
We serve alcohol — what happens if a customer hurts someone after leaving?
That's a dram-shop claim, and standard GL excludes it. Liquor liability is a separate coverage we'll quote alongside your BOP. It's also the line most landlords and licensing authorities require proof of.
An employee filed a wage-and-hour claim. Anything cover us?
Yes — Employment Practices Liability (EPLI) covers wage, harassment, wrongful termination and discrimination claims. For restaurants, with high turnover and tipped staff, it's one of the most common losses we see.
Our walk-in failed and we lost a week of inventory. Is that covered?
Spoilage cover (an endorsement to your property policy) pays for food and beverage lost to equipment breakdown or power outage. Most stock policies exclude it unless it's specifically added — we'll make sure it is.
How do delivery drivers — ours or third-party — change our exposure?
Hired & non-owned auto extends liability when staff use their own cars for deliveries or supply runs. If you run a dedicated delivery fleet, you need a commercial auto policy on top.
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.
Business owner's policy (BOP)
GL and property in one policy — the foundation of restaurant cover. Kitchen, FF&E, signage, leasehold improvements and customer slip-and-fall.
Learn about this coverLiquor liability
Dram-shop and assault & battery cover for any operator pouring beer, wine or spirits — usually required by your lease and your liquor licence.
Workers' compensation & EPLI
Statutory comp for kitchen and front-of-house staff, plus protection from wage, harassment and discrimination claims — the most common employee suits in food service.
Learn about this coverSpoilage, equipment breakdown & auto
Cover for refrigeration losses, kitchen equipment failure, and hired/non-owned auto when staff run deliveries, catering or supply pickups.
Learn about this cover Why Nomos
A broker that works
the whole market.
Restaurant-friendly markets
Several standard markets won't quote full-service or bar-heavy restaurants at all. We work with the specialty carriers that actually want food and beverage risk.
Multi-location made simple
One programme across every unit, one renewal, one certificate portal — instead of a different broker and policy per location.
Built around your lease
Landlords have specific limits, additional insured wording and waiver requirements. We read the lease and bind to it the first time.
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.
Full-service restaurants and bars
Quick-service, fast-casual and ghost-kitchen operators
Cafés, coffee shops and bakeries
Multi-location and franchise operators
Caterers and event venues
From field notes
What we're writing
on this.
Liquor liability in 2026: state-law changes pushing restaurant premiums up
Several states tightened dram-shop and host-liability statutes in 2025. Restaurant operators are seeing the underwriting impact at 2026 renewals.
Read the piece
MGM's $100M ransomware lesson for multi-unit hospitality
MGM's 2023 ransomware shutdown cost the company an estimated $100M+. What multi-unit restaurant and hospitality groups should take from it.
Read the piece
Get a quote
Cover that fits
how you actually serve.
Tell us about your concept and how you operate. We'll shop carriers that actively write restaurants and come back with options — not just whatever your incumbent will renew.
Liquor liability and dram-shop placed correctly
EPLI for wage, harassment and discrimination claims
One programme across multiple locations
Certificates that match your lease wording