General Liability
Foundational protection for businesses against bodily injury, property damage, and third-party claims. Soma places general liability coverage across every industry, including hard-to-insure operations that standard brokers decline.
Running a business means navigating real risk every day — from property damage and liability claims to cyber threats and industry-specific exposures. Soma is the fastest brokerage for complex commercial insurance, placing coverage others won't with one application across every industry. Whether you're a contractor, retailer, trucking operator, or tech startup, we deliver tailored, affordable protection at the right price — fast.
Comprehensive commercial coverage across every industry — placed fast, priced right, and tailored to your operations.
Foundational protection for businesses against bodily injury, property damage, and third-party claims. Soma places general liability coverage across every industry, including hard-to-insure operations that standard brokers decline.
Coverage for your business buildings, equipment, inventory, and fixtures against damage or loss. Soma specializes in placing commercial property coverage for complex and non-standard risks across all business categories.
Errors and omissions protection for service-based businesses and professionals. Guards against claims of negligence, missed filings, or inadequate work that result in client financial loss.
End-to-end cyber coverage for data breaches, ransomware, business interruption, and regulatory defense. Essential for tech firms, healthcare providers, and any business handling sensitive customer data.
Fleet and vehicle coverage for businesses of all sizes — from single-vehicle owner-operators to large commercial fleets. Soma places commercial auto coverage others won't, including specialty and hard-to-insure categories.
Tailored insurance programs for retail, trucking, hospitality, healthcare, finance, tech, manufacturing, and construction — all from a single application with fast, affordable quotes customized to your operations.
Most brokers turn away complex or high-risk businesses — Soma was built specifically for them. With access to hundreds of carrier partners including Chubb, Markel, Liberty Mutual, and Kinsale, Soma's expert Risk Management Team analyzes your business, identifies every exposure, and secures the right coverage at the right price through a single fast application. Whether you operate in a regulated industry, carry specialty risks, or have been declined elsewhere, Soma delivers a seamless experience with no waiting weeks for quotes or chasing brokers.
See how Soma has helped complex businesses across industries find the right coverage at the right price.
Soma redefines what a business insurance brokerage should be — faster, smarter, and built for businesses others turn away.
We turn around quotes fast — no waiting weeks or chasing brokers. Get covered quickly so your business keeps moving.
With hundreds of carrier partners including Chubb, Markel, and Kinsale, we place coverage others routinely decline across every industry.
Our dedicated Risk Management Team has processed thousands of businesses, taking time to understand your operations and find the right fit.
Submit a single application and receive industry-specific coverage quotes across all your business exposures — seamlessly and affordably.
Specialists who understand complex business risk across every industry.
Soma was built with a clear mission: to be the fastest and most reliable insurance brokerage for businesses that standard markets routinely overlook. Across industries from trucking and construction to tech and healthcare, Soma's risk management specialists combine deep carrier relationships with a streamlined, technology-driven process to deliver coverage that truly fits. The team has processed thousands of businesses, understanding that no two operations face identical risk profiles. By partnering with top-rated carriers — Chubb, Liberty Mutual, Markel, Nationwide, Kinsale, and more — Soma ensures every client, from a single owner-operator to a multi-location enterprise, receives expert guidance, transparent pricing, and coverage placed with speed and precision.
An insurance brokerage acts as an intermediary between businesses and insurance carriers. Rather than representing a single insurer, a broker like Soma has access to hundreds of carrier partners, allowing them to shop the market on your behalf, compare coverage options, and place the policy that best fits your specific risk profile and budget — often at better terms than going directly to a carrier.
Talk to a Soma specialist today and get expert guidance tailored to your business.
Partnered with top-rated carriers including Chubb and Markel
Authorized access to surplus and excess lines markets for non-standard risks
Committed to transparent, ethical business insurance practices
Submit your details and a Soma risk specialist will reach out to analyze your business, identify your exposures, and deliver a tailored commercial insurance quote. One application. No waiting. No runaround.