Florida and California commercial property: where the E&S market is in 2026
Retail-agent view of 2026 E&S property placement for commercial accounts in Florida and California.
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Insurance for Real estate & property management
Property managers, HOAs and owners across multifamily, retail and commercial portfolios. Already appointed? Send us the account. New here? Apply for appointment below.
Wire-fraud at closing is the largest real-estate cyber claim. See our cyber cover
Why submit
to Nomos.
Initial market-fit response within 30 minutes
We review each submission against current market appetite and provide an initial market-fit response within 30 minutes of receipt. This is an initial review, not a quote or confirmation of coverage.
Broker review before underwriter handoff
Suitable accounts are typically sent to an underwriter within one hour of receipt, after a licensed broker reviews the match and final file. You're kept posted on where it stands, even when the answer is no.
What we
place.
Explore coverage guidance for this class. Nomos reviews each account against current market appetite; available coverage and terms depend on the account and market.
Commercial property & GL Includes loss of rents
D&O for boards & managers HOA, condo boards, management companies
Cyber, wire-fraud & tenant-PII Closings, rent and vendor payments
A wholesaler that works
the whole market.
Market fit reviewed in-house
We review each submission against current market appetite. Account-specific fit needs broker confirmation before underwriter handoff.
Every hour risks the client
Suitable accounts move to an underwriter after a licensed broker reviews the match and final file. Carrier response and quote timing depend on the account and market.
Just send the file
No upfront appointment required. Send the file you have and we’ll let you know what it needs next.
Who this is
built for.
Property management companies
Multifamily and mixed-use owners
HOAs and condo associations
Single-tenant retail, office and industrial owners
Self-storage and small commercial portfolios
More to help place
this account.
Wire fraud at closing: placement issues retail agents should flag
Wire-fraud losses are a major cyber claim in real estate. Retail agents should identify whether crime and cyber forms leave the account exposed.
Read the piece
What does cyber insurance actually cover? A line-by-line breakdown
Retail-agent guide to reviewing cyber coverage, exclusions and form choices before placing an account.
Read the piece
Want to get appointed right away?
Get appointed.
Get appointed for access to our markets and updates as we expand our offerings.
Get appointed
Just send
the file.
No upfront appointment required. Send the file you have; we'll let you know within 30 minutes if it's something we can help with.
Sending it elsewhere too? BCC us.