One national relationship.
Hedge serves eligible difficult commercial risks across the U.S. through one consistent relationship.
Why agencies choose Hedge over Nomos
Hedge vs Nomos
Consider Hedge when you want a national, broker-only wholesale partner with no retail-channel ambiguity around the insured relationship. Nomos may fit better when the account fits Nomos's published wholesale appetite and your agency wants its AI-assisted intake and appetite-matching workflow. Confirm the proposed team, market route, and quoted terms for the account.
National reachResponsive serviceNo Hedge wholesale feeSame four-person team
Named-team wholesale optionHedgeResponsive service. No wholesale fee.
VS
Alternative service modelNomosDigital wholesaler
NationalOne Hedge relationship for eligible difficult commercial risks across the U.S.
Quote supportPrompt review and clear updates as we pursue market quotes
Wholesale feeNo Hedge wholesale fee, no sub-brokering, and no layered commission stacks
Account teamThe same four people through intake, bind, renewal, and service
Why agencies choose Hedge
National reach. Responsive service. No Hedge wholesale fee.
These differences affect the next hard account.
Review by the team that owns the account.
Hedge reviews the file, identifies what is missing, and tells you whether there is a credible next step.
No Hedge wholesale fee.
No sub-brokering and no layered commission stacks. Premium, taxes, and filing charges remain account-specific.
One team owns it.
The same four people stay through intake, quote, bind, renewal, and service.
Recommendation
Where does Hedge fit your account?
Is the exact Nomos engagement wholesale placement for the retail agency or direct client-facing brokerage?
The Hedge service model
Start here
Consider Hedge when these needs match.
- You want a national, broker-only wholesale partner with no retail-channel ambiguity around the insured relationship.
- You want a prompt first human read, no Hedge wholesale fee, and the same four-person team through placement and service.
Next step: get appointed with Hedge.
Account fit
Consider Nomos when these needs match.
- The account fits Nomos's published wholesale appetite and your agency wants its AI-assisted intake and appetite-matching workflow.
- Your agency has confirmed that the exact Nomos desk, role, client-contact boundary, and market path fit the account.
Ask the proposed team to confirm the specific route and service owner.
What happens after intake
With Hedge, ownership is obvious.
The same team reads the file, asks for what is missing, waits for your release authority, routes the account, and stays through service.
Where Nomos may fit
The account fits Nomos's published wholesale appetite and your agency wants its AI-assisted intake and appetite-matching workflow.
Nomos
Enter risk→Check eligibility→Handle referral→Name service owner
Hedge
Team reviews file→Same four people→You approve release→Same team services
Hedge makes the owner and the release decision explicit. Ask Nomos to map the same path before you send.
Side by side
Seven operating questions for the agency.
Compare the proposed team, actual route, and terms for the same account. Hedge's column describes its published service commitments. Competitor sources are linked below; confirm desk-level service and total cost directly.
| Decision | Nomos | Hedge |
|---|---|---|
| Account fit | The account fits Nomos's published wholesale appetite and your agency wants its AI-assisted intake and appetite-matching workflow. | You want a national, broker-only wholesale partner with no retail-channel ambiguity around the insured relationship. |
| National reach | California-licensed producer with public wholesale appointment and commercial brokerage offerings | Yes. Hedge serves eligible difficult commercial risks across the U.S. through one national service model. |
| First useful response | Ask the exact Nomos team to commit to a response standard. | Prompt file review, clear quote updates, and market terms when available. |
| Who owns the account | Confirm the named desk, broker, handoffs, and post-bind service owner. Speed can fall away on referrals or non-standard accounts. Ask who takes over, what each status means, and who services the policy. | The same four-person team through intake, quote, bind, renewal, and service. |
| Brokerage-side cost | Confirm Nomos' wholesale fees, commissions, and any intermediary layers. | No Hedge wholesale fee, no sub-brokering, and no layered commission stacks. Premium, taxes, and filing charges remain account-specific. |
| Before a market receives the file | Confirm when Nomos treats intake as an authorized release and an actual market send. | The retail agent explicitly authorizes release. Receipt, review, release, and market send remain separate. |
| When Nomos may win | The account fits Nomos's published wholesale appetite and your agency wants its AI-assisted intake and appetite-matching workflow. Your agency has confirmed that the exact Nomos desk, role, client-contact boundary, and market path fit the account. | Confirm Hedge can support the required class, state, coverage structure, and market route before deciding. |
An account to work through
Keep the client and market handoffs explicit.
Illustrative account example. This is a decision exercise, not a customer placement or a measured comparison of providers.
The situation
A retail agent evaluating a technology-enabled brokerage needs to establish who may communicate with the insured and deliver market terms.
What would change the choice?
The retail and wholesale roles can be complementary. Decide who owns each action and verify the specific agreement rather than treating one role as a substitute for the other.
Read the related coverage or placement guideWhat to compare on this file
- Name the retail professional responsible for the insured relationship and the wholesale professional handling the market review.
- Confirm the coverage request, required documents and permission for market release before sharing the account.
- Agree who delivers terms to the insured and who follows up for the binder, policy and subsequent service.
Related work from a real Hedge account
Related cases describe Hedge’s work on separate real accounts. They do not establish that the other providers participated, declined the risk, charged more or would have produced a different result.
A first liability policy for a new roofing business
A newly established roofing business obtained an issued general liability policy. Hedge handled the file through the quote, binder and policy handoff, and the retail agent confirmed receipt of the documents.
Issued policy. An issued general liability policy, with document receipt confirmed by the retail agent. This outcome does not mean every later billing or servicing question was closed.
Hedge’s records reviewed .
Example reviewed by Hedge Specialty on . Explore verified account outcomes.
Common questions
Compare Hedge and Nomos on speed, cost, ownership, and fit.
Review speed, fees, ownership, market release, and the cases where Nomos may fit better.
What is Nomos Insurance, and how does it compare with Hedge?
Nomos describes an AI-native commercial insurance brokerage with wholesale placement for retail agents and client-facing services for businesses. Hedge is a national wholesale brokerage built only for licensed retail insurance professionals. Choose Hedge for a clearer broker-only channel, a prompt first human read, no Hedge wholesale fee, and one named team.
Is Nomos a wholesale broker or a retail brokerage?
Its public pages describe both: wholesale appetite matching and appointments for retail agents, plus coverage and policy-review services for businesses. The exact desk and transaction determine the role. Hedge's public positioning is unambiguous: it serves licensed retail insurance professionals as their wholesale partner.
How is the Hedge service model different from Nomos?
Every Hedge account gets the same four-person team through intake, quote, bind, renewal, and service. Nomos's experience can vary by division, office, product lane, or named broker, so confirm the exact team that would own the account.
Is Hedge cheaper to work with?
Hedge charges no wholesale fee, does not sub-broker accounts, and does not add layered commission stacks. That does not establish the lowest total cost for a particular account. Carrier premium, surplus-lines taxes, filing charges, and any other account-specific quoted costs still depend on the placement.
Will Hedge send my submission to markets immediately?
No. Hedge routes the submission to the named account team first and does not share it with markets until the retail agent authorizes a release. Receipt, release, market send, quote, bind, and issue are separate states.
Can Hedge guarantee a quote or placement?
No wholesale broker can honestly guarantee a quote from a public comparison page. Hedge reviews the class, state, coverage, facts, submission quality, and current market route before confirming what it can do.
Do I need to replace my Nomos relationship to work with Hedge?
No. Hedge can earn a place on the difficult accounts where speed, direct ownership, and fewer handoffs matter. A productive existing Nomos relationship can remain useful for accounts that fit its strongest lane.
How do I start with Hedge?
Licensed retail insurance professionals can request an appointment or submit a risk for review. Hedge will confirm agency fit and account fit separately; an appointment request is not approval, and a submission receipt is not a quote.
Published and reviewed by Hedge Specialty on · Nomos facts: Nomos, Nomos about and licensing · Research methodPublic information does not confirm fit, terms, access, or authority for a specific account.
Make Hedge your first call
Bring us the hard account.
Get a file review from the same team that will own the file through placement and service.