The baseline cover almost every lease, vendor agreement and customer contract requires — admitted or E&S. Already appointed? Send us the account. New here? Apply for appointment below.
General liability is the broadest commercial cover for third-party bodily injury and property damage — at the insured's premises, in their operations, from their products and in their advertising. It's the foundation policy almost every commercial account carries.
GL is the baseline cover almost every commercial lease, vendor agreement and customer contract demands. We match the submission to appetite fast and bind to the exact limits and additional-insured language required.
Slip-and-fall, water damage and other third-party bodily injury at the insured's premises is the most common GL loss driver — and the one underwriters look at first.
Products-completed operations (a sub-coverage of GL) responds to bodily injury or property damage caused by what the insured makes, sells or does — including after the job is finished or the product is shipped.
GCs, large owners, landlords and enterprise customers all routinely require additional-insured endorsements and waivers of subrogation. We match to markets that will bind the exact wording — including primary, non-contributory language.
Claims by customers, visitors and the public for injuries arising from your premises, operations or products.
Damage to property owned by others caused by your operations — including damage during the work you perform on a client's site.
Liability arising from products you sell or work you've finished — including claims that surface long after the job is done.
Cover for libel, slander, copyright in advertising and similar claims — and the defence costs to fight them.
Property the insured is working on or holding is generally excluded — that needs inland marine or a care, custody & control endorsement.
If the insured's advice or service cost a client money but no one was hurt and nothing was damaged, that's professional liability, not GL.
Workers hurt on the job sit with workers' compensation, not GL.
GL with AI endorsements that match the GC and owner contract — including high-hazard trades.
See the pageGL bundled into the BOP, plus the additional-insured wording most landlords require.
See the pageGL with products-completed operations sized to the product class and distribution model.
See the pageGL for slip-and-fall, water damage and the public-area exposures across the portfolio.
See the pageGL plus abuse and molestation cover for organisations working with the public, minors or volunteers.
See the pageGL plus dedicated abuse and molestation limits — written by carriers that specialise in childcare.
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.
California's dram-shop immunity is unusually broad. A non-renewed bar or restaurant account is rarely a classic drunk-driving verdict — it's usually something else.
An owner or GC's insurance exhibit asking for additional insured status usually means two different endorsements with two different durations, not one line item.
California household mover insurance requirements: intrastate limits, cargo, filings, carrier eligibility, storage exposure and submission data.
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.