Nomos — Field notesNewsjacking, industry insights and coverage deep-dives from Nomos — the AI-native commercial insurance brokerage.https://nomos-insurance.com/en-usInsurance broker commission splits: what good actually looks likehttps://nomos-insurance.com/blog/insurance-broker-commission-splits/https://nomos-insurance.com/blog/insurance-broker-commission-splits/A practical guide to commercial insurance broker commission splits, including why 40% new and 25% renewal is common and how 60/50 changes the math.Sat, 23 May 2026 00:00:00 GMTProducer economicsbroker-commissionproducer-economicscommercial-producersbrokerageWhy a high commission split can still mean low take-homehttps://nomos-insurance.com/blog/high-split-low-take-home/https://nomos-insurance.com/blog/high-split-low-take-home/A higher broker split is not automatically better, but moving from 40/25 to 60/50 can materially change take-home if the platform supports production.Fri, 22 May 2026 00:00:00 GMTProducer economicsbroker-commissiontake-homeproducer-economicsservice-loadThe HUD insurance schedule every affordable-housing operator should be runninghttps://nomos-insurance.com/blog/hud-insurance-schedule-affordable-housing/https://nomos-insurance.com/blog/hud-insurance-schedule-affordable-housing/HUD's insurance requirements for affordable-housing properties are specific, opinionated, and frequently misread. A clear breakdown of what your schedule needs to show.Fri, 22 May 2026 00:00:00 GMTIndustry insightsaffordable-housinghudlihtcsection-8multifamilycommercial-propertyAffordable housing insurance in 2026: which markets are still writing, and at what pricehttps://nomos-insurance.com/blog/affordable-housing-insurance-market-2026/https://nomos-insurance.com/blog/affordable-housing-insurance-market-2026/Standard carriers have largely exited the affordable-housing property market. Here's where the specialty programmes are pricing in 2026 and what changed since 2024.Thu, 21 May 2026 00:00:00 GMTIndustry insightsaffordable-housinglihtchudsection-8multifamilyproperty-marketInsurance cluster vs aggregator vs brokerage platform: what producers should comparehttps://nomos-insurance.com/blog/insurance-cluster-vs-aggregator-vs-platform/https://nomos-insurance.com/blog/insurance-cluster-vs-aggregator-vs-platform/Clusters, aggregators and brokerage platforms solve different problems for commercial producers. This guide breaks down economics, access and support.Thu, 21 May 2026 00:00:00 GMTProducer economicsinsurance-clusteraggregatorbroker-platformproducer-economicsThe law firm cyber claim that isn't ransomware: client matter data exfiltrationhttps://nomos-insurance.com/blog/law-firm-matter-data-exfiltration/https://nomos-insurance.com/blog/law-firm-matter-data-exfiltration/Law firms over-index on ransomware in their cyber planning. The faster-growing claim is silent exfiltration of client matter data — and the policy response is different.Wed, 20 May 2026 00:00:00 GMTCyber & AIlaw-firmcybermatter-dataexfiltrationprofessional-liabilitybreach-responseQuestions producers should ask before joining a new insurance brokeragehttps://nomos-insurance.com/blog/questions-before-joining-insurance-brokerage/https://nomos-insurance.com/blog/questions-before-joining-insurance-brokerage/Before moving brokerages, commercial producers should ask direct questions about book ownership, service support, market access, renewals and exit terms.Wed, 20 May 2026 00:00:00 GMTProducer economicscommercial-producersbrokerage-careersproducer-economicsbook-ownershipWhat an accounting practice should carry above E&Ohttps://nomos-insurance.com/blog/accounting-practice-above-eo/https://nomos-insurance.com/blog/accounting-practice-above-eo/Accountants over-rely on professional liability as their whole insurance programme. Here are the four other lines that actually matter for a CPA practice in 2026.Tue, 19 May 2026 00:00:00 GMTIndustry insightsaccountingcpaprofessional-liabilitycybereplibusiness-owners-policyLeaving an insurance agency: what happens to your book of business?https://nomos-insurance.com/blog/leaving-insurance-agency-book-of-business/https://nomos-insurance.com/blog/leaving-insurance-agency-book-of-business/Commercial producers thinking about leaving an agency need to understand book ownership, expirations, non-solicits, buyouts and renewal rights before they move.Tue, 19 May 2026 00:00:00 GMTProducer economicsbook-of-businessleaving-agencyproducer-economicsbroker-careersLIHTC compliance and your insurance: what the auditors actually look athttps://nomos-insurance.com/blog/lihtc-insurance-compliance/https://nomos-insurance.com/blog/lihtc-insurance-compliance/Investor and state-housing-agency LIHTC compliance reviews flag insurance gaps that operators routinely miss. Here's what auditors actually pull and where they find issues.Mon, 18 May 2026 00:00:00 GMTRegulatorylihtcaffordable-housingcomplianceauditmultifamilyNuclear verdicts in trucking: $20M is the new $5Mhttps://nomos-insurance.com/blog/trucking-nuclear-verdicts/https://nomos-insurance.com/blog/trucking-nuclear-verdicts/Average jury awards in commercial trucking cases have moved up sharply. The umbrella limits that protected fleets a decade ago no longer do.Sun, 17 May 2026 00:00:00 GMTIndustry insightstruckingnuclear-verdictscommercial-autoumbrella-excessfleetFlorida and California commercial property: where the E&S market is in 2026https://nomos-insurance.com/blog/cat-zone-property-market-2026/https://nomos-insurance.com/blog/cat-zone-property-market-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.Sat, 16 May 2026 00:00:00 GMTIndustry insightscommercial-propertye-and-scaliforniafloridacat-zonehurricanewildfireAir Canada's AI chatbot ruling is a wake-up call for AI liabilityhttps://nomos-insurance.com/blog/air-canada-ai-chatbot/https://nomos-insurance.com/blog/air-canada-ai-chatbot/A Canadian tribunal made Air Canada eat the cost of its own chatbot's bad advice. What that ruling means for any firm shipping AI features in 2026.Fri, 15 May 2026 00:00:00 GMTNewsjackingai-liabilitychatbottech-eoprofessional-servicesOT/ICS ransomware: when a cyber claim becomes a property losshttps://nomos-insurance.com/blog/manufacturing-ot-ransomware-property-loss/https://nomos-insurance.com/blog/manufacturing-ot-ransomware-property-loss/Ransomware that hits operational technology — PLCs, SCADA, plant controls — increasingly produces physical damage. The insurance form question is which policy actually pays.Wed, 13 May 2026 00:00:00 GMTCyber & AImanufacturingoticsscadaransomwarebusiness-interruptioncyberpropertyTax-season fraud: the accounting firm cyber claim that isn't ransomwarehttps://nomos-insurance.com/blog/accounting-firm-tax-season-fraud/https://nomos-insurance.com/blog/accounting-firm-tax-season-fraud/Accounting firms over-prepare for ransomware. The annual claim that actually arrives is tax-season fraud — fake client emails, redirected refunds, and credential theft at scale.Tue, 12 May 2026 00:00:00 GMTCyber & AIaccountingcpatax-seasonfraudsocial-engineeringirscyberAnthropic's Claude Mythos found thousands of zero-days. Your cyber insurance hasn't priced this yet.https://nomos-insurance.com/blog/claude-mythos-zero-days/https://nomos-insurance.com/blog/claude-mythos-zero-days/Anthropic's Claude Mythos discovered thousands of unpatched zero-day vulnerabilities. What frontier offensive AI means for cyber insurance buyers in 2026.Sun, 10 May 2026 00:00:00 GMTCyber & AIanthropicclaudemythoszero-dayfrontier-aiproject-glasswingcyber-underwritingTrust account crime cover: the line most law firms ignore until they need ithttps://nomos-insurance.com/blog/law-firm-trust-account-crime/https://nomos-insurance.com/blog/law-firm-trust-account-crime/Law firms hold meaningful client money in IOLTA and trust accounts. The crime / fidelity cover on that money is often sub-limited to a token amount.Sat, 09 May 2026 00:00:00 GMTCoverage deep diveslaw-firmcrimeioltatrust-accountsocial-engineeringfidelityLaw firm professional liability: sizing for the partner-track yearshttps://nomos-insurance.com/blog/law-firm-pl-partner-track/https://nomos-insurance.com/blog/law-firm-pl-partner-track/A law firm's PL limit needs reset moments — at lateral hire, partnership promotion, practice-area expansion. Most firms set the limit once and let it drift.Fri, 08 May 2026 00:00:00 GMTIndustry insightslaw-firmprofessional-liabilitylplpartnershipgrowthLiquor liability in 2026: state-law changes pushing restaurant premiums uphttps://nomos-insurance.com/blog/restaurant-liquor-liability-2026/https://nomos-insurance.com/blog/restaurant-liquor-liability-2026/Several states tightened dram-shop and host-liability statutes in 2025. Restaurant operators are seeing the underwriting impact at 2026 renewals.Thu, 07 May 2026 00:00:00 GMTRegulatoryrestaurantsliquor-liabilitydram-shophospitalitystate-lawWhy grantor insurance requirements are getting harder to meethttps://nomos-insurance.com/blog/nonprofit-grantor-insurance-requirements/https://nomos-insurance.com/blog/nonprofit-grantor-insurance-requirements/Foundations, federal grantors and city contracts are tightening their insurance asks. Non-profits whose programmes used to clear with $1M GL increasingly need to upsize.Wed, 06 May 2026 00:00:00 GMTIndustry insightsnonprofitgrantsinsurance-requirementsdandoepliabuse-molestationChange Healthcare's breach is reshaping cyber insurance limitshttps://nomos-insurance.com/blog/change-healthcare-cyber-limits/https://nomos-insurance.com/blog/change-healthcare-cyber-limits/The Change Healthcare attack pushed cyber claim severity into territory most healthcare buyers' limits weren't sized for. Here's how limits have moved since.Tue, 05 May 2026 00:00:00 GMTNewsjackinghealthcarehipaaransomwarecyberlimit-adequacyTelehealth and your malpractice policy: the form change most practices missedhttps://nomos-insurance.com/blog/telehealth-malpractice-form/https://nomos-insurance.com/blog/telehealth-malpractice-form/Most medical malpractice policies were written for in-person care. Telehealth introduces multi-state licensure and standard-of-care questions older forms don't handle.Sun, 03 May 2026 00:00:00 GMTIndustry insightshealthcaretelehealthmalpracticeprofessional-liabilitymedical-practiceRIA cyber: what FINRA and SEC examiners are now asking abouthttps://nomos-insurance.com/blog/ria-cyber-finra-sec-exams/https://nomos-insurance.com/blog/ria-cyber-finra-sec-exams/Cybersecurity has become a top-five exam priority for SEC and FINRA in 2025–2026. Here's what the examiners are asking, and how your insurance posture maps to it.Sat, 02 May 2026 00:00:00 GMTRegulatoryriafinancial-advisorsfinraseccybersecurityregulatory-examMGM's $100M ransomware lesson for multi-unit hospitalityhttps://nomos-insurance.com/blog/mgm-ransomware-hospitality/https://nomos-insurance.com/blog/mgm-ransomware-hospitality/MGM's 2023 ransomware shutdown cost the company an estimated $100M+. What multi-unit restaurant and hospitality groups should take from it.Fri, 01 May 2026 00:00:00 GMTNewsjackingransomwarehospitalityrestaurantsbusiness-interruptioncyberThe five lines every general contractor actually needshttps://nomos-insurance.com/blog/five-lines-general-contractors/https://nomos-insurance.com/blog/five-lines-general-contractors/GL, builders risk, workers' comp, commercial auto and inland marine. What each one does, what each one doesn't, and where buyers most often get caught out.Tue, 28 Apr 2026 00:00:00 GMTIndustry insightscontractorsconstructionglworkers-compbuilders-riskInsurance for your Series A: what investors actually expecthttps://nomos-insurance.com/blog/series-a-insurance/https://nomos-insurance.com/blog/series-a-insurance/Closing a priced round triggers a specific set of insurance requirements. Here's what investors look for, what your board will require, and what's cheap to defer.Wed, 22 Apr 2026 00:00:00 GMTIndustry insightssaasstartupsseries-ad-and-ofundraisingWire fraud at closing: why your crime policy probably doesn't cover ithttps://nomos-insurance.com/blog/wire-fraud-real-estate/https://nomos-insurance.com/blog/wire-fraud-real-estate/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.Sat, 18 Apr 2026 00:00:00 GMTIndustry insightsreal-estatewire-fraudcrimesocial-engineeringclosingThe MSP contract clause that's costing you E&O claimshttps://nomos-insurance.com/blog/msp-contract-clause-eo/https://nomos-insurance.com/blog/msp-contract-clause-eo/One indemnity clause in the typical MSP master services agreement is responsible for a disproportionate share of E&O claims. Here's how to spot it and what to do.Tue, 14 Apr 2026 00:00:00 GMTIndustry insightsmspmsatech-eoprofessional-liabilitycontractsA&E tail coverage: the mistake that ends careershttps://nomos-insurance.com/blog/ae-tail-coverage/https://nomos-insurance.com/blog/ae-tail-coverage/Architects and engineers carry decades-long liability tails. Skipping or skimping on tail cover at a carrier switch is one of the costliest mistakes in the field.Fri, 10 Apr 2026 00:00:00 GMTIndustry insightsarchitectsengineersae-eotail-coverageclaims-madeWhat does cyber insurance actually cover? A line-by-line breakdownhttps://nomos-insurance.com/blog/what-does-cyber-actually-cover/https://nomos-insurance.com/blog/what-does-cyber-actually-cover/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.Sun, 05 Apr 2026 00:00:00 GMTCoverage deep divescyberbreach-responseransomwaresocial-engineeringregulatoryReading an MSA insurance exhibit: a 10-minute crash coursehttps://nomos-insurance.com/blog/reading-msa-insurance-exhibit/https://nomos-insurance.com/blog/reading-msa-insurance-exhibit/A practical guide to the insurance schedule on the back of a customer master services agreement — what every clause means, which to push back on, and which to bind to.Mon, 30 Mar 2026 00:00:00 GMTCoverage deep divesmsacontractscertificatesadditional-insuredprofessional-servicesUmbrella stacking: what it costs to go from $5M to $25Mhttps://nomos-insurance.com/blog/umbrella-stacking/https://nomos-insurance.com/blog/umbrella-stacking/Lender and customer contracts increasingly require $10M, $25M, even $50M of total liability. Here's what the real-world pricing looks like in 2026.Wed, 25 Mar 2026 00:00:00 GMTCoverage deep divesumbrellaexcesslimit-adequacycontractorstrucking