When others say no,
Soma finds a way.

Commercial insurance for complex risks with same-day quotes and sub-10-minute response times from our extensive carrier network.

Learn more

Get on a call with our team in minutes
Commercial Coverage

“Finally found a broker who actually responds. Got quoted in 15 minutes after being declined by three other carriers.”

Sarah M., Restaurant Owner, Seattle

TRUSTED NATIONWIDE

Fast, reliable, and built for hard-to-place risks

<10 min

response time

Same day

quotes available

Trusted partnerships with 100+ carriers nationwide

WHY SOMA

Built for speed, clarity, and saying yes.

Getting you covered when standard markets decline. No runaround, just results.

<10

min

Sub-10-Minute Response

Talk to a licensed brokerage team fast. No long queues or endless forms.

85%

success

Complex Risk Solutions

Specialized coverage for non-standard risks when standard markets say no.

24/7

open

Declined Elsewhere? We Specialize in Yes

If you've been turned down by other carriers, that's exactly what we're built for.

TRUSTED NATIONWIDE

Covering Businesses
Across America

From restaurants to medical spas, construction to hospitality. We provide coverage for businesses facing unique challenges.

Restaurant & Hospitality

Professional kitchens, liquor liability, high-volume operations

GET STARTED

Hard-to-place doesn't mean impossible

Whether you have claims history, unique operations, or non-standard needs, we will coordinate the right markets and get you options, often same day.

Fast triage and requirements checklist
Extensive carrier network access
Transparent next steps and timelines

Get a Response in Under 10 Minutes

Our licensed brokers will call you back fast

COMMON QUESTIONS

Frequently asked questions

Getting covered doesn't have to be complicated. Here are answers to common questions.

How fast can I get a quote?

Our team typically responds within 10 minutes during business hours (Monday-Friday, 9 AM - 6 PM EST). Once we understand your needs, we can often provide same-day quotes from multiple carriers. Complex risks may take 24-48 hours, but we'll keep you updated every step of the way.

Do you only work with commercial businesses?

Yes, Soma exclusively serves commercial clients. We specialize in business insurance for hard-to-place risks including restaurants, medical spas, construction companies, transportation services, and other commercial operations that need specialized coverage.

What states do you operate in?

Soma is licensed to operate nationwide. We have strong carrier relationships in all 50 states, with particular expertise in Florida, California, Texas, New York, and Illinois. We can service qualifying commercial risks anywhere in the United States.

What industries and business types do you cover?

We specialize in hard-to-place commercial insurance across multiple industries including hospitality and food services, medical and wellness businesses, construction and contractors, transportation and auto services, specialty retail, and professional services. If you've been declined elsewhere, we likely have a solution for you.

What information do you need to provide a quote?

To get started, we need basic information about your business type, location, revenue, and any specific challenges you've faced getting coverage. One of our licensed brokers will walk you through the rest on a quick call - usually within 10 minutes of your initial inquiry.

When others say no,Soma finds a way.