Nomos Insurance
Nomos Insurance is a wholesale brokerage that helps retail insurance agents place excess and surplus (E&S) and specialty lines coverage. The company reviews submissions against current carrier appetite and provides a placement decision within 30 minutes, with suitable accounts typically sent to an underwriter within one hour. A licensed broker reviews every account before it reaches the carrier.
- Insurance Technology
- Software Only
Funding
Founders
Product
Problem
Retail insurance agents placing excess and surplus (E&S) and specialty lines often face slow, opaque submission processes from traditional wholesalers, who prioritize carrier relationships over the agent's account. This results in delayed responses, unclear market fit, and lost opportunities to secure coverage for hard-to-place risks.
Solution
Nomos Insurance operates as a wholesaler built around the submission rather than the carrier relationship. Retail agents simply send their file, and Nomos reviews it against current carrier appetite to identify potential placement options. A licensed broker reviews the account and final file before it goes to an underwriter, ensuring accuracy and market fit. Nomos provides a response within 30 minutes of receipt, and suitable accounts are typically sent to an underwriter within one hour. Agents are kept informed even when an account does not fit, eliminating the uncertainty common in traditional wholesale processes. No upfront appointment is required, allowing agents to submit files directly and get immediate feedback on next steps.
Target Audience
Primary customers are retail insurance agents and brokers who need fast, reliable E&S and specialty placement for hard-to-place accounts across diverse industries.
Features
- 30-minute response time on whether a submission fits current market appetite
- Licensed broker review of every account and final file before underwriter submission
- Account-specific market review against current carrier appetite, not generic placement
- No upfront appointment required—agents can send files directly via email
- Coverage across 40+ specialty industries, including cannabis, tech startups, healthcare, construction, and trucking
- Agents can BCC Nomos on submissions sent to other wholesalers for parallel review
- Dedicated appointment process for retail agents seeking ongoing market access