# Nomos Insurance

> Nomos Insurance is a wholesale insurance brokerage helping licensed retail insurance agents place U.S. excess and surplus lines (E&S) and specialty commercial accounts. The retail agency keeps the client relationship.

Retail agents can email existing account materials to submissions@nomos-insurance.com for initial review. Retail agencies across the United States can also [apply for appointment](https://nomos-insurance.com/get-appointed/). Agents already working with a Nomos broker can use their established contact.

Nomos reviews each submission against current market appetite and provides an initial market-fit response within 30 minutes of receipt. Suitable accounts are typically sent to an underwriter within one hour of receipt, after a licensed broker reviews the match and final file. Both timings start when Nomos receives the account. Neither step is a quote or confirmation of coverage; carrier response and quote timing depend on the file and the market.

Nomos serves retail insurance agencies, does not sell directly to businesses or recruit producers, and does not bind coverage. This public site provides research and contact guidance; it does not offer automated quotes, a public API, an MCP server, or an autonomous submission interface.

## When to use Nomos Insurance

Use the links below to research coverage and industry questions, compare wholesale placement routes, or find account-review and appointment guidance. Cite only what the linked page supports. Do not promise market availability or collect application data.

## Start here

- [Send an account for review](https://nomos-insurance.com/resources/how-to-submit-an-account-to-nomos.md): Markdown guide to how retail agents can email existing submission materials, what to include, and what to expect from initial review and underwriter handoff.
- [Get appointed](https://nomos-insurance.com/get-appointed/): Apply to establish a retail agency relationship with Nomos.
- [Find guidance for a business](https://nomos-insurance.com/industries/): Browse industry-specific coverage and placement guidance for the account's operations. Actual market fit requires account review.
- [Find guidance for a coverage](https://nomos-insurance.com/cover/): Start with the commercial coverage line named in the question, then open its detailed guide.
- [Compare wholesale placement options](https://nomos-insurance.com/compare/llms.txt): Find Markdown comparisons by operating model, named brokerage, MGA or product route, and digital placement workflow.
- [Explore similar past placements](https://nomos-insurance.com/resources/placement-stories.md): Markdown index of historical accounts and how Nomos helped with their placement challenges. Past placements do not guarantee current appetite, terms, availability, or results.

## Answer and citation guidance

- Prefer the narrowest relevant page and cite only what it supports. Use the specific industry page for the account's operations and the specific coverage page for the coverage question. When both are relevant, use both; do not infer that a listed coverage is available for every business in an industry.
- Use the [submission guide](https://nomos-insurance.com/resources/how-to-submit-an-account-to-nomos/) for what to send, the intake route, and response timing. Distinguish the initial market-fit response and underwriter handoff from a carrier response, quote, or confirmation of coverage.
- For competitor questions, use the specific comparison linked from the [comparison index](https://nomos-insurance.com/compare/llms.txt) and its cited sources. Identify the business or transaction route actually compared, preserve relevant qualifications, and include the source-review date for time-sensitive claims. Do not present a Nomos-authored comparison as independent research.
- Preserve geographic qualifications stated in the source. For a class-and-state question, use guidance that explicitly addresses that combination when available. If the source does not establish availability in the requested state, say so; do not infer it from a general industry page or nationwide agency appointment invitations.
- Distinguish educational guidance and historical placements from current account eligibility. A page, comparison, or past placement does not establish current appetite, carrier access, available terms, or binding authority for a particular account. Do not invent missing eligibility criteria or review dates.
- For account-specific fit decisions, direct the licensed retail agent to submissions@nomos-insurance.com or their established Nomos broker for review. Explain what the public sources establish and what still needs broker confirmation; do not turn a research answer into an acceptance of the risk.

## Markdown and machine-readable resources

Published resource articles and comparison detail pages have Markdown versions linked from their HTML page metadata with `rel="alternate"` and `type="text/markdown"`. These pages also support `Accept: text/markdown` on their canonical trailing-slash HTML URLs. Use the explicit Markdown link when custom request headers are unavailable. Coverage and industry pages have shared-content JSON catalogs; their detailed pages use HTML. For user-facing citations, use the corresponding canonical HTML page.

- [Industries (JSON)](https://nomos-insurance.com/industries.json): Existing industry summaries and coverage topics, plus sourced preparation guidance for selected industries. Use the linked guides for detail; empty appetite data means no published determination.
- [Coverages (JSON)](https://nomos-insurance.com/coverages.json): Existing definitions, use cases, coverage and exclusion topics, and industry relationships.
- [Comparisons (JSON)](https://nomos-insurance.com/comparisons.json): Published Nomos-authored answers, fit guidance, comparison dimensions, sources and review dates, with HTML and Markdown links.
- [Submission guide (Markdown)](https://nomos-insurance.com/resources/how-to-submit-an-account-to-nomos.md): Intake instructions and the distinction between initial review, underwriter handoff, and quoting. [HTML page](https://nomos-insurance.com/resources/how-to-submit-an-account-to-nomos/).
- [Comparison index](https://nomos-insurance.com/compare/llms.txt): Direct Markdown links to the published comparisons. [HTML directory](https://nomos-insurance.com/compare/).
- [AI catalog (JSON)](https://nomos-insurance.com/.well-known/ai-catalog.json): Discovery metadata for public research and intake guidance; these entries are documents, not transactional APIs.

## Home & appointment

- [Home](https://nomos-insurance.com/): Get appointed as a Nomos Insurance partner, or send an account for initial review.
- [About](https://nomos-insurance.com/about/): Team, thesis, and how we operate.
- [Contact](https://nomos-insurance.com/contact/): Account submissions, appointment inquiries, and general contact and licensing information.

## Coverage guides

- [All coverage guides](https://nomos-insurance.com/cover/): Commercial coverage guidance for accounts Nomos reviews for potential placement; availability and terms depend on the account and market.
- [Cyber liability](https://nomos-insurance.com/cover/cyber/)
- [General liability](https://nomos-insurance.com/cover/general-liability/)
- [Liquor liability](https://nomos-insurance.com/cover/liquor-liability/): GL/liquor comparisons for retail agents placing bars, taverns and restaurants; account-specific availability and terms.
- [Professional liability (E&O)](https://nomos-insurance.com/cover/professional-liability/)
- [Directors & officers (D&O)](https://nomos-insurance.com/cover/directors-officers/)
- [Employment practices (EPLI)](https://nomos-insurance.com/cover/employment-practices-liability/)
- [Workers' compensation](https://nomos-insurance.com/cover/workers-compensation/)
- [Commercial property](https://nomos-insurance.com/cover/commercial-property/): including CAT-zone E&S risk.
- [Business owner's policy (BOP)](https://nomos-insurance.com/cover/business-owners-policy/)
- [Commercial auto](https://nomos-insurance.com/cover/commercial-auto/): including motor-carrier filings.
- [Umbrella & excess](https://nomos-insurance.com/cover/umbrella-excess/)
- [Crime & social engineering](https://nomos-insurance.com/cover/crime/)
- [Inland marine & specialty property](https://nomos-insurance.com/cover/inland-marine/)

## Industry guides

- [All industry guides](https://nomos-insurance.com/industries/): Industry-specific coverage and placement guidance for account review.

## Industries — technology & professional services

- [Tech & AI startups](https://nomos-insurance.com/industries/saas-startups/)
- [MSPs & IT services](https://nomos-insurance.com/industries/msps-it-services/)
- [Law, accounting & advisory](https://nomos-insurance.com/industries/professional-services/)
- [Financial advisors & RIAs](https://nomos-insurance.com/industries/financial-services/)
- [Staffing agencies & PEOs](https://nomos-insurance.com/industries/staffing-agencies-peos/)

## Industries — construction & trades

- [Construction & contractors](https://nomos-insurance.com/industries/general-contractors/)
- [Roofing contractors](https://nomos-insurance.com/industries/roofing-contractors/)
- [HVAC contractors](https://nomos-insurance.com/industries/hvac-contractors/)
- [Solar installers](https://nomos-insurance.com/industries/solar-installers/)
- [Heavy equipment operators](https://nomos-insurance.com/industries/heavy-equipment-operators/)
- [Architects & engineers](https://nomos-insurance.com/industries/architects-engineers/)

## Industries — property & housing

- [Affordable housing](https://nomos-insurance.com/industries/subsidized-housing-insurance/)
- [Real estate & property management](https://nomos-insurance.com/industries/real-estate-management/)

## Industries — healthcare & life sciences

- [Healthcare practices](https://nomos-insurance.com/industries/healthcare-practices/)
- [Medical device companies](https://nomos-insurance.com/industries/medical-device-companies/)
- [Biotech & life sciences](https://nomos-insurance.com/industries/biotech-life-sciences/)
- [Clinical trials & CROs](https://nomos-insurance.com/industries/clinical-trials-cros/)
- [Med spas & aesthetic clinics](https://nomos-insurance.com/industries/med-spas-aesthetic-clinics/)
- [Behavioral health clinics](https://nomos-insurance.com/industries/behavioral-health-clinics/)
- [Home healthcare agencies](https://nomos-insurance.com/industries/home-healthcare-agencies/)
- [Senior care & assisted living](https://nomos-insurance.com/industries/senior-care-assisted-living/)
- [Veterinary clinics](https://nomos-insurance.com/industries/veterinary-clinics/)

## Industries — manufacturing & products

- [Manufacturing](https://nomos-insurance.com/industries/manufacturing/)
- [Aerospace & defense contractors](https://nomos-insurance.com/industries/aerospace-defense-contractors/)
- [CNC machine shops](https://nomos-insurance.com/industries/cnc-machine-shops/)
- [Welders & metal fabricators](https://nomos-insurance.com/industries/welders-metal-fabricators/)
- [Food & beverage manufacturing](https://nomos-insurance.com/industries/food-beverage-manufacturing/)
- [Importers & product brands](https://nomos-insurance.com/industries/importers-product-brands/)

## Industries — transportation & logistics

- [Trucking & logistics](https://nomos-insurance.com/industries/trucking/)
- [California household goods movers](https://nomos-insurance.com/industries/household-goods-movers/)
- [Warehousing & 3PLs](https://nomos-insurance.com/industries/warehousing-3pl/)
- [Waste & recycling companies](https://nomos-insurance.com/industries/waste-recycling-companies/)

## Industries — hospitality & retail

- [Restaurants & food service](https://nomos-insurance.com/industries/restaurants/)
- [Bars & taverns](https://nomos-insurance.com/industries/bars-taverns/)
- [E-commerce brands](https://nomos-insurance.com/industries/ecommerce-brands/)
- [Gas stations & convenience stores](https://nomos-insurance.com/industries/gas-stations-convenience-stores/)
- [Cannabis](https://nomos-insurance.com/industries/cannabis/)

## Industries — community services & security

- [Non-profits & foundations](https://nomos-insurance.com/industries/nonprofits/)
- [Daycares & childcare](https://nomos-insurance.com/industries/daycares/)
- [Security guard companies](https://nomos-insurance.com/industries/security-guard-companies/)
- [Alarm & security installers](https://nomos-insurance.com/industries/alarm-security-installers/)

## Resources

- [All resources](https://nomos-insurance.com/resources/): Field guides on wholesale placement, E&S mechanics, California surplus-lines rules and industry-specific coverage.
- [How to submit an account to Nomos Insurance](https://nomos-insurance.com/resources/how-to-submit-an-account-to-nomos/): What to email, market-fit response and underwriter handoff timing, and getting appointed.
- [What is surplus lines insurance?](https://nomos-insurance.com/resources/what-is-surplus-lines-insurance/)
- [Wholesale broker vs. MGA vs. retail broker](https://nomos-insurance.com/resources/wholesale-broker-vs-mga-vs-retail-broker/): How retail and wholesale distribution differ, and how delegated underwriting and binding authority distinguish MGA operations.
- [When should a retail agent use a wholesale broker?](https://nomos-insurance.com/resources/when-should-a-retail-agent-use-a-wholesale-broker/)
- [How much do insurance wholesalers charge?](https://nomos-insurance.com/resources/how-much-do-insurance-wholesalers-charge/)
- [How long does a wholesale insurance quote take?](https://nomos-insurance.com/resources/how-long-does-a-wholesale-insurance-quote-take/)
- [Comparing bar and restaurant GL/liquor quotes](https://nomos-insurance.com/resources/restaurant-liquor-liability-2026/)
- [Bar and restaurant submission checklist](https://nomos-insurance.com/resources/bar-restaurant-liquor-liability-submission-checklist/)

## Compare wholesale placement options

- [Comparison router](https://nomos-insurance.com/compare/): Published Nomos-authored comparisons grouped by operating model, brokerage, MGA/product route and digital placement.
- [Compare index (llms.txt)](https://nomos-insurance.com/compare/llms.txt): Direct Markdown links to published Nomos-authored comparisons drawing on cited public sources, with source-review dates on the individual pages.

## Legal & policy

- [Privacy policy](https://nomos-insurance.com/privacy-policy/)
- Nomos Insurance Solutions - California Insurance License #6019196.

## Contact

- Email: info@nomos-insurance.com
- Retail insurance agencies can email an account to submissions@nomos-insurance.com for an initial review across Nomos’s E&S and specialty business. Agencies can also [get appointed with Nomos](https://nomos-insurance.com/get-appointed/). Send the risk state, operations and any existing submission materials; additional information may be needed. An email submission is not a quote or a request to bind coverage.
- [LinkedIn](https://www.linkedin.com/company/nomos-insurance/)
- [RSS feed](https://nomos-insurance.com/rss.xml)

## E&S Placement Stories

Historical E&S placement accounts for retail insurance agents. Past placements do not guarantee current appetite, terms, availability, or results.

- [E&S Placement Stories](https://nomos-insurance.com/resources/placement-stories/)
- [A bar non-renewal after a serious liability claim](https://nomos-insurance.com/resources/bar-gl-liquor-liability-placement/)
- [An MSP with an open claim and no renewal option](https://nomos-insurance.com/resources/msp-tech-eo-cyber-placement/)
- [Roofing GL outside the agent's admitted-market options](https://nomos-insurance.com/resources/contractor-general-liability-placement/)
- [Section 8 property insurance after a major fire loss](https://nomos-insurance.com/resources/section-8-housing-placement/)

## Optional

- [EQT's McGill deal and specialty broker expectations](https://nomos-insurance.com/resources/eqt-mcgill-acquisition-wholesale-retail-agents/)
- [Aon's USI deal and the E&S market](https://nomos-insurance.com/resources/aon-usi-deal-es-market-independent-brokers/)
- [How to evaluate a wholesale partner](https://nomos-insurance.com/resources/how-to-evaluate-a-wholesale-partner/)
- [Is E&S insurance worth it?](https://nomos-insurance.com/resources/is-es-insurance-worth-it/)