For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Normandy Harbor Insurance Company
Contact Us
contact_phone Click to call
Normandy Harbor Insurance Company
Contact Us
contact_phone Click to call

Golf and Country Clubs - Workers' Compensation Insurance

Normandy Harbor Insurance Company, an admitted Florida-based carrier, offers a focused Workers' Compensation program built specifically for private golf and country clubs. Designed for agents who place hospitality and recreational risks, this program suits clubs with a track record of safety and at least three years of favorable loss history. Normandy Harbor combines tailored underwriting, specialist loss control support, and strong claims service to give agents a dependable option for this niche exposure.

Ideal Accounts and Appetite

This program targets private golf and country clubs operating in Florida. Normandy Harbor prefers accounts with a minimum of three years of improving or consistently favorable loss history and a demonstrated commitment to employee safety. Typical classes and exposures that fit the program include:
  • Groundskeeping and turf maintenance crews
  • Golf professionals and instructors
  • Food & beverage service, banquet and catering staff
  • Facility maintenance, pool attendants, and clubhouse cleaners
  • Administrative and managerial personnel with lower loss potential

Coverage Highlights and Advantages

Normandy Harbor’s Workers' Compensation program gives agents flexible payment choices and value-added services that help control loss costs:
  • Flexible payment plans: pay-as-you-go; 10% down with monthly payments; 10% down with 9 installments; or 12 equal installments
  • In-house loss control team with club and hospitality expertise to help reduce frequency and severity
  • Aggressive, responsive claims handling focused on timely return-to-work
  • Strong reinsurance support and a consistent history of dividend distributions for well-performing accounts
These features make it easier for agents to place and retain club business while offering insureds practical tools to manage exposures and cash flow.

Underwriting Notes and Minimum Premiums

The program is available to qualifying Florida clubs with a minimum premium starting at $1,000. Underwriters look for accounts that demonstrate a clean or improving loss history, documented safety programs, and reasonable payroll and class code mixes for club operations. Normandy Harbor’s underwriting team partners with agents to review submissions and provide tailored quotes that align with each club’s operations and risk profile.

Territories and Availability

This Workers' Compensation program is currently available in Florida. Normandy Harbor is admitted in the state, providing the regulatory certainty agents and clients expect when placing coverage with a domestic carrier.

Why Work With Normandy Harbor

Normandy Harbor focuses on Workers' Compensation for niche hospitality and recreational classes, bringing specialized underwriting and service to golf and country club accounts. Agents benefit from:
  • A market that understands club operations and exposures
  • Industry-specific loss control resources to help reduce claims
  • Competitive payment flexibility to help insureds manage cash flow
  • Responsive claims handling and a history of dividend distributions for strong performance
Example scenarios you might place with this program:
  • A private 18-hole country club in central Florida with dedicated grounds and clubhouse teams, three years of improving loss runs, and established safety programs.
  • A lakeside golf club with modest banquet operations and a history of low-severity slips and strains, seeking flexible payment terms and proactive loss control.
If you have Florida club accounts that meet the minimum premium and loss history requirements, Normandy Harbor can be a reliable option to retain and grow that business.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Private golf and country clubs in Florida with at least three years of favorable or improving loss history and documented safety practices are ideal candidates.

What payment options are available to insureds?

Normandy Harbor offers flexible plans including pay-as-you-go, 10% down with monthly payments, 10% down with 9 installments, and 12 equal installments.

Is this program available outside of Florida?

No. This Workers' Compensation program is currently only available in Florida, where Normandy Harbor is an admitted carrier.

What is the minimum premium?

The minimum premium for qualifying accounts starts at $1,000.

Does Normandy Harbor provide loss control support?

Yes. Normandy Harbor offers an in-house loss control team with club- and hospitality-focused services to help insureds reduce risk and manage claims.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    NA
  • Commission:
    15% New 12% Renewal
  • Min Premium:
    $1,000

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
Normandy Harbor Insurance Company has other insurance programs like Artisan Contractors - Workers' Compensation Insurance.