Artisan Contractors - Workers' Compensation Insurance
Normandy Harbor Insurance Company, an admitted carrier based in Florida, provides flexible workers' compensation solutions designed specifically for qualifying artisan contractors. This program is aimed at small to mid-size specialty contractors — trim carpenters, electricians, tile setters, deck pavers, interior remodelers and similar trades — that need admitted coverage, responsive service, and underwriting that understands trade-specific exposures.
Overview of the Program
Normandy Harbor offers admitted workers' compensation policies with multiple payment plan options and underwriting focused on trade experience and loss control. The program pairs market-level underwriting with carrier strengths you can rely on: "A" rated reinsurance support, a consistent dividend payment history, an in-house loss control team, and prompt, aggressive claims handling.
Ideal Accounts and Appetite
This program fits artisan contractors who typically present the following characteristics:
- Minimum of 3 employees actively working in the principal classification
- At least one year of prior workers' comp with a favorable loss history
- Subcontractor work that is no more than 30% of total operations
- No exposures working over two stories in height
Coverage Highlights and Advantages
Key features agents can use when placing business:
- Admitted paper (Florida) for agents needing state-filed policies
- Flexible premium payment options to help insureds manage cash flow
- Dedicated in-house loss control to help reduce frequency and severity
- Responsive claims service backed by strong reinsurance and financial stability
- Dividend program with a history of full payments to qualifying policyholders
Underwriting Notes and Minimum Premiums
Underwriting is trade-specific and emphasizes prior loss history and current operations. Typical declinations include accounts with significant height exposure, heavy general contractor work beyond the subcontractor threshold, or unacceptable recent loss patterns. The program publishes a minimum premium of $1,000; final pricing and eligibility are determined through normal underwriting review.
Payment Plans
Available premium payment options include:
- Pay-as-you-go
- 10% down with monthly payments
- 10% down with 9 installments
- 12 equal installments
Territories and Availability
This admitted workers' compensation program is offered in Florida. Agents should confirm state availability and any local filing nuances when submitting business.
Why Work With Normandy Harbor Insurance Company
Normandy Harbor is positioned to serve artisan contractors through focused underwriting, in-house loss control resources, and a track record of dividend payments. If you need an admitted Florida carrier that understands trade exposures and offers flexible billing, this program is a practical market to consider for clean, well-managed artisan accounts.
Example Accounts
You might place a 4-person residential electrician crew with one year of prior comp and no recent claims, or a 3-person tile and finish crew performing interior remodels with limited subcontracting. Both are the type of artisan risks this program targets.
Frequently Asked Questions
What types of artisan contractors are a good fit for this program?
The program is best for small specialty trades such as trim carpentry, electricians, tile setters, deck pavers and interior remodelers with a minimum of three active employees in the principal classification, limited subcontracting, and no work above two stories.
What are the key underwriting requirements I should confirm before submission?
Confirm one year of prior workers' compensation with a favorable loss history, subcontractor percentage under 30%, employee counts in the principal class, and absence of significant height exposure. The underwriter will also review payroll and classification accuracy.
What payment plans are available for insureds?
Normandy Harbor offers pay-as-you-go, 10% down with monthly payments, 10% down with 9 installments, and 12 equal installment options to help insureds manage cash flow.
Is this program available outside Florida?
This specific admitted program is presented for Florida. Confirm market and state availability with Normandy Harbor or your wholesaler when placing accounts.
Need help placing an account? Connect with a market specialist.