Ideal Accounts and Appetite
This program is ideal for Florida-based restaurants with:
- At least three years of industry experience
- A minimum premium of $1,000
- No fast-food delivery exposure
Examples of well-suited accounts include full-service restaurants, cafés, diners, and upscale dining establishments that maintain a stable work environment and prioritize safety.
Coverage Highlights and Advantages
Normandy Harbor distinguishes itself with a strong commitment to service and financial stability. Key program benefits include:
- Flexible payment plans, including:
- Pay-as-you-go options
- 10% down with monthly payments or 9 installments
- 12 equal installments
- Aggressive and prompt in-house claims handling
- Dedicated loss control support to help clients reduce risks
- Experienced underwriters specializing in the restaurant sector
- Backed by “A” rated reinsurance
- 100% dividend payment record (performance-based)
Underwriting Notes and Minimum Premiums
Normandy Harbor requires a minimum premium of $1,000 for qualifying risks. Submissions must reflect at least three years of operational experience in the restaurant space. Accounts involving fast-food delivery services are not eligible under this program.
Territories and Availability
This workers' compensation program is available exclusively in Florida and is written on an admitted basis, offering regulatory peace of mind and stability for your clients.
Why Work With Normandy Harbor Insurance Company
As a Florida-based carrier focused solely on workers' compensation, Normandy Harbor brings targeted expertise to the restaurant segment. With responsive underwriting, proactive loss prevention services, and an excellent track record in claims resolution and dividend payments, Normandy Harbor is a valuable partner for agents placing restaurant business in Florida.
Whether your client is a local bistro looking for stable coverage or a multi-location restaurant group needing tailored loss control guidance, Normandy Harbor delivers the tools and support to help you succeed.
Frequently Asked Questions
What types of restaurant accounts are a good fit for this program?
Full-service restaurants, cafés, diners, and fine dining establishments with no fast-food delivery exposure and at least three years of industry experience are ideal for this program.
Is this program admitted in Florida?
Yes, the program is written on an admitted basis in Florida, offering your clients the benefits of regulated coverage and financial stability.
What payment options are available?
Normandy Harbor offers flexible payment plans, including pay-as-you-go, 10% down with monthly payments or 9 installments, and 12 equal installments.
What is the minimum premium for this program?
The minimum premium required for eligible accounts is $1,000.
Does the program accept restaurants with delivery services?
Restaurants with fast-food delivery exposure are not eligible for this program.
Need help placing an account? Connect with a market specialist.