An independent agency built for the accounts other agents pass on
Nominal Insurance is an independent agency in Kansas City, Missouri. We focus on hard-to-place commercial accounts, especially used car dealers, NEMT (non-emergency medical transportation) operators, and truckers, where deep market knowledge and a real relationship get you the right coverage at the right price.
Why I started Nominal
Before Nominal, I spent three years at an agency focused on personal lines. I kept gravitating toward commercial accounts, especially the businesses other agents called hard to place.
So in 2018 I took a chance on myself and started my own agency, built around the relationship and the right coverage, not just the lowest price. Today that means dealers, NEMT operators, and truckers who want an agent who actually knows their business.
If you run a dealership, an NEMT service, or a trucking company, I would like to hear about your business.
Rajan Nurnie, ownerAn independent agency for three niches
Nominal Insurance is an independent commercial insurance agency in Kansas City, Missouri. We are built around three specialties: used car dealer insurance and dealer bonds, NEMT insurance, and trucking insurance. We work with carriers that understand these niches, not generic commercial markets.
Whether you are a first-time dealer getting bonded, an NEMT operator staying Medicaid-compliant, or an owner-operator building your authority, we make sure your coverage matches how your business runs.
We also offer insurance for your business, home, and auto. We have the carrier relationships to quote and place the policies you need, and we explain each option in plain words so you know what you are paying for.
If you are not happy with your current coverage, call or text us and we will take a look.
What "Nominal" means
"Nominal" means an appropriate price, not a cheap one. The price should fit the coverage and the relationship behind it.
That is why we shop multiple carriers and explain what you are paying for.
Why clients choose Nominal
Specialists, not generalists
Our book is built around three niches: used car dealers, NEMT, and trucking. Most agencies write these as an afterthought or send them away.
Dealer insurance and bonds in one place
Dealers get garage coverage and their state license bond from the same agency.
Owner-led, direct access
Rajan and Lacey handle accounts directly, so you always know who is handling yours.
Hours that match our clients
Open Monday to Friday 9am to 7pm and Saturday 10am to 4:30pm. Dealers and truckers do not work nine to five, and neither do we.
Good with new ventures
First-time dealers getting licensed and bonded, new trucking authorities, and NEMT startups are a core part of our work, not a problem to decline.