When other brokers say no, we still find coverage.

We place hard-to-insure businesses with E&S markets and respond in under 10 minutes.

Get a quote

<10 min

First response

Same day

Quote turnaround

85%

Success on hard risks

100+

E&S markets

Built for businesses that don't fit the neat underwriting box.

Standard markets like clean, simple stories. Most real businesses aren't like that. We do our best work on the weird, complex, hard-to-place risks other brokers walk away from.

Especially when other brokers say your operations are "too risky."

We specialize in these kinds of businesses:

Restaurants with liquor licenses

Told your bar program was too risky

Construction with claims history

Prior losses scared off standard markets

AI companies handling sensitive data

Underwriters didn't understand your ops

Hotels & hospitality

Too many moving parts for most brokers

Security & guard services

Liability concerns made carriers walk away

Medical spas & wellness

Procedures deemed too high-risk

+ more edge cases. If you've been told no, you're exactly who we built Soma for.

What happens when you click "Get a quote"

Tell us what happened

Share your business details and what coverage you need. Be honest about the messy stuff.

We shop E&S markets

A licensed broker coordinates with 100+ carriers, including specialty E&S markets.

You get a straight answer

We come back with options and pricing, usually the same day. No runaround.

Owners we've helped when others said no.

Get a quote

Tell us about your business. We'll respond in under 10 minutes during business hours.

Backed by

Accel