Florida and California commercial property: where the E&S market is in 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.
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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.
Matched to appetite, same day
Every submission gets matched internally against the carrier relationships most likely to write it, not shopped blind into a dozen inboxes.
Straight to the underwriter
The moment it's matched, it goes out. You're kept posted on where it stands, even when the answer is no.
What we
place.
We have appetite for this class. We can place it. We'll get it done fast.
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.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
Just send the file
No 40-page form, no repeated questions. Send what you've got and we take it from there.
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
What we're writing
on this.
Wire fraud at closing: why your crime policy probably doesn't cover it
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.
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What does cyber insurance actually cover? A line-by-line breakdown
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.
Read the piece
Interested?
Get appointed.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
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Not sure it fits?
Try our appetite.
Send us the submission — we'll see what fits. We can worry about the paperwork later.