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Normandy Harbor Insurance Company
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Normandy Harbor Insurance Company
Contact Us
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Hotel and Motel - Workers' Compensation Insurance

Normandy Harbor Insurance Company offers a specialized Workers' Compensation program designed for Florida-based hotel and motel operations. As an admitted carrier with deep underwriting experience in the hospitality industry, Normandy Harbor delivers both flexible coverage options and strong service support to help agents place solid business for their hospitality clients.

Ideal Accounts and Appetite

This program is built for hotel and motel businesses operating in Florida that meet the following criteria:
  • Minimum premium of $1,000
  • At least three years of operating experience in the hospitality industry
Whether your client operates a boutique inn, a mid-size motel, or a full-service hotel, this program is a strong fit for well-managed operations with stable claims history.

Coverage Highlights and Advantages

Normandy Harbor understands the unique risks associated with hospitality industry employees, from front desk staff to housekeeping and maintenance crews. Their workers' compensation program includes:
  • Flexible payment options to support cash flow, including:
    • Pay-as-you-go
    • 10% down with monthly payments
    • 10% down with 9 installments
    • 12 equal installments
  • Proactive in-house loss control services targeted to hospitality risks
  • Fast and responsive claims handling to reduce downtime and improve outcomes
  • Dividend potential for qualifying insureds, rewarding safe operations
Normandy Harbor is backed by "A" rated reinsurance and has a 100% dividend payment track record, further demonstrating their commitment to long-term partnerships.

Underwriting Notes and Minimum Premiums

To be eligible, risks must be Florida-based and have a minimum premium of $1,000. Underwriters look for accounts with at least three years of hospitality experience and a solid loss history. New ventures or operations with frequent claims may not be a fit for this program.

Territories and Availability

This workers' compensation program is currently available in Florida only. As an admitted carrier in the state, Normandy Harbor ensures regulatory compliance and strong local market knowledge.

Why Work With Normandy Harbor Insurance Company

Normandy Harbor is not just another carrier—they are a dedicated workers' compensation partner focused on Florida businesses. Their hospitality program combines deep underwriting expertise, industry-specific loss control, and flexible billing solutions to help agents write and retain quality business. With a consistent dividend history and responsive service, Normandy Harbor stands out as a strong choice for agents placing hotel and motel accounts.

Frequently Asked Questions

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

Hotels and motels in Florida with at least three years of operating experience and a minimum premium of $1,000 are ideal candidates.

Is coverage available outside of Florida?

No, this program is available exclusively for Florida-based hotel and motel operations.

What payment options are available for insureds?

Normandy Harbor offers several payment plans, including pay-as-you-go, 10% down with monthly or 9-installment options, and 12 equal installments.

Does Normandy Harbor offer loss control services?

Yes, they provide proactive, in-house loss control tailored to the unique risks of the hospitality industry.

Can new ventures apply for this program?

Generally, at least three years of industry experience is required. New ventures may not meet underwriting guidelines.

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:
    N/A
  • Commission:
    15% New 12% Renewal
  • Min Premium:
    $1,000

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Normandy Harbor Insurance Company has other insurance programs like Artisan Contractors - Workers' Compensation Insurance.