Buildings, contents, stock and the income that stops when something goes wrong — including CAT-zone risk. Already appointed? Send us the account. New here? Apply for appointment below.
Commercial property covers physical loss to buildings, contents, stock and improvements — plus the business interruption income that disappears during a rebuild. It's the foundation policy for any business with a physical footprint.
Landlords require property cover on tenant improvements; lenders require it on owned buildings; and any business with stock, equipment or fit-out has assets worth protecting. Property is the foundation policy for any business with a physical footprint.
Property cover pays to repair or replace the physical asset, but business interruption — written as part of property — pays the lost income while the business can't operate. The two are placed together because a loss usually triggers both.
Stock and contents are valued and underwritten separately from the building. The schedule of values needs to be accurate or the account risks co-insurance penalties at claim time.
Standard property has stripped out FL, CA and coastal exposures in many markets. We go to the E&S property market for CAT-zone risks — where the cover lives now.
Cover for the structure (if owned) or tenant improvements (if leased) — replacement cost or actual cash value, with appropriate cause-of-loss form.
Contents, furniture, fixtures, equipment, electronics and stock — scheduled with values that reflect actual replacement cost.
Lost income, ongoing payroll and continuing expenses during the period of restoration after a covered loss — sized to a realistic recovery timeline.
The cost of operating from a temporary location, plus contingent BI when a key supplier or customer is the one shut down.
Standard property excludes flood and earthquake by default. Both need separate placement — through NFIP, private flood markets or DIC forms.
Mechanical and electrical failure of equipment is excluded under property — it sits with equipment breakdown (boiler & machinery) coverage, which we place alongside.
Customer property or property the insured is working on usually needs inland marine or care, custody & control endorsements — not standard property.
Property across multifamily, retail and commercial portfolios — with lender wording matched first time.
See the pageBuildings, plant, stock and finished goods — plus business interruption sized to recovery timeline.
See the pageProperty as part of a BOP, with spoilage, equipment breakdown and BI for kitchen-down events.
See the pageBuilding and crop cover for cultivators, dispensaries and processors — placed in specialty markets.
See the pageProperty and BOP for clinical and dental practices — bundled where it prices well.
See the pageDedicated programme pricing for HUD, LIHTC and Section 8 portfolios.
See the pageEvery submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
No 40-page form, no repeated questions. Send what you've got and we take it from there.
HUD's insurance requirements for affordable-housing properties are specific, opinionated, and frequently misread. A clear breakdown of what your schedule needs to show.
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.
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.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointedSend us the submission — we'll see what fits. We can worry about the paperwork later.