Business Insurance Brokerage — Liability & Commercial Coverage

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.

Soma insures businesses across virtually every industry, including retail, trucking, hospitality, healthcare, finance, tech, manufacturing, and construction. Soma specializes in complex and hard-to-insure businesses — including those with prior claims, specialty operations, or risks that standard brokers and carriers routinely decline. If you've been turned away elsewhere, Soma is built for exactly that situation.

Soma is purpose-built for speed. Most businesses receive coverage quotes through a single application without waiting weeks for a response. For straightforward risks, same-day quotes are common. For more complex or specialty operations, Soma's Risk Management Team works efficiently to analyze your business and place coverage as fast as possible — often within 24 to 48 hours.

General liability covers third-party claims for bodily injury and property damage arising from your business premises or operations. Professional liability (errors and omissions) covers financial losses a client suffers due to your professional advice, services, or failure to deliver as promised. Many businesses need both — Soma can structure a coordinated program covering all your liability exposures under one application.

Yes — this is one of Soma's core specializations. With access to specialty and surplus lines markets including Kinsale, Markel, and Chubb, Soma regularly places coverage for businesses that standard markets turn away. This includes late-night bars, new trucking ventures, high-risk manufacturers, businesses with prior claims, and other non-standard or hard-to-place risks.

Cyber liability insurance covers financial losses resulting from data breaches, ransomware attacks, business interruption from cyber events, and regulatory defense costs. Any business that stores customer data, processes payments, or relies on digital systems should carry cyber coverage. It is especially critical for healthcare providers, tech companies, financial firms, and retailers handling sensitive consumer information.

Soma's Risk Management Team conducts a thorough analysis of your business — reviewing your industry, operations, exposures, and existing coverage. They then match your risk profile against their carrier network to identify the best-fit policies at competitive pricing. The process is designed to be seamless: one application gives the team everything they need to act fast and get you properly insured.

Soma partners with hundreds of top-rated carriers, including Chubb, Markel, Liberty Mutual, Nationwide, Kinsale, Progressive, Kemper, Hiscox, The Hartford, CRC Group, and Ascend, among others. This broad carrier network allows Soma to access both standard commercial markets and specialty or surplus lines markets — ensuring competitive options for every type of business, including high-risk and hard-to-place accounts.