Ideal Accounts and Appetite
This program is designed for Florida-based healthcare providers that meet Normandy Harbor’s underwriting criteria. It fits accounts that require admitted, state-regulated workers’ compensation coverage and value a carrier experienced in healthcare exposures.
- Minimum of three years operating history in the healthcare sector
- Limited transportation exposure; accounts with no home-health services
- Minimum premium of $1,000
Examples you may see: a growing multi-physician clinic expanding its staff, or an outpatient surgery center seeking an admitted workers’ comp solution with proactive loss-control support. Accounts with significant home healthcare, extensive employee travel, or other large transportation exposures are typically out of appetite.
Coverage Highlights and Advantages
- Admitted workers’ compensation coverage in Florida
- Flexible payment plans, including:
- Pay-as-you-go
- 10% down with monthly payments
- 10% down with 9 installments
- 12 equal installments
- A-rated reinsurance support
- Dedicated in-house loss control and risk management resources
- Experienced, responsive claims handling geared to healthcare injuries
- Dividend-paying history for qualifying insureds
For agents, Normandy Harbor’s combination of admitted status, flexible billing, and healthcare-focused underwriting can simplify placement and help insureds manage frequency and cost of workplace injuries.
Underwriting Notes and Minimum Premiums
Key underwriting requirements: at least three years of operating history in the healthcare field, no home-health or extensive transportation exposure, and a minimum annual premium of $1,000. Normandy Harbor’s underwriters evaluate staffing mixes, procedures, and loss history to tailor pricing and risk control recommendations. Provide complete loss runs and a clear description of operations to expedite review.
Territories and Availability
This workers’ compensation program is available to insureds located in the state of Florida. Normandy Harbor writes as an admitted carrier in Florida, which may be preferable for clients seeking state-regulated policies and the protections that come with admitted placements.
Why Work With Normandy Harbor
Normandy Harbor offers a focused, service-oriented approach for healthcare workers’ compensation. Agents benefit from:
- Underwriting experienced with common healthcare exposures and staffing models
- Proactive loss control to help reduce claims frequency and severity
- Responsive claims teams familiar with healthcare injury dynamics
- Admitted market stability and a track record of dividend payments for eligible risks
If you have a Florida healthcare account that fits the criteria above, Normandy Harbor can be a strong admitted-market option. Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Physician groups, outpatient clinics, and hospitals with at least three years of operating history and no home healthcare exposure are ideal candidates.
Is this program available outside of Florida?
No — this program is currently offered only for accounts based in Florida.
What are the payment options available to insureds?
Normandy Harbor offers flexible billing including pay-as-you-go, 10% down with monthly payments, 10% down with nine installments, or 12 equal payments.
What is the minimum premium required?
The program requires a minimum annual premium of $1,000.
Does Normandy Harbor offer any loss control services?
Yes — Normandy Harbor provides in-house loss control support aimed at reducing workplace injuries and claims frequency for healthcare insureds.
Need help placing an account? Connect with a market specialist.