Normandy Harbor Insurance Company offers a flexible, admitted Workers' Compensation program tailored for Florida businesses. Built for independent agents and brokers, the program lets you retain direct control of accounts while giving you access to Normandy Harbor’s experienced in-house teams for underwriting, loss control, and claims management.
Ideal Accounts and Appetite
This program targets both non-construction and small construction risks operating in Florida. Non-construction accounts can include retail shops, professional offices, service businesses, and healthcare operations. Start-up non-construction businesses are eligible when the principal can demonstrate at least three years of relevant experience (a resume is required).
For construction risks, Normandy Harbor accepts small contractors under clear underwriting guidelines: the account must have at least three employees in the governing class code, a minimum of one year prior coverage, and subcontractor exposure capped at 30%. Work performed above two stories is ineligible. Typical construction fits include small residential contractors, drywall installers, and flooring specialists that meet these limits.
Coverage Highlights and Advantages
- Admitted Workers’ Compensation coverage in Florida
- In-house loss control services focused on reducing claim frequency and improving outcomes
- Underwriting and claims teams with deep industry experience (20+ years on average)
- Proactive, solution-driven programs geared toward long-term results
- Potential for 100% dividend payments to qualified policyholders
- Financially secure program supported by "A" rated reinsurance
Flexible Payment Options
All accounts are eligible for multiple billing plans to meet insureds’ cash-flow needs:
- Pay-As-You-Go
- 10% Down with Monthly Self-Reporting
- 10% Down with 9 Installments
- 12 Equal Installments
Underwriting Notes and Minimum Premium
The minimum premium for non-construction accounts starts at $1,000 plus an expense constant. Construction accounts have stricter criteria, including minimum employee counts, prior coverage history, and subcontractor limits. Normandy Harbor works collaboratively with agents to evaluate submissions and to find underwriting solutions for risks that match their appetite.
Territories and Availability
This Workers’ Compensation program is available exclusively in Florida. As an admitted carrier in the state, Normandy Harbor provides the regulatory compliance and stability many insureds require.
Why Work With Normandy Harbor Insurance Company?
Normandy Harbor is an agent-friendly admitted carrier focused on pragmatic loss control and responsive claim services. Their underwriting approach is solution-oriented, and their internal teams are set up to support agents through placement, policy servicing, and claim resolution. Financial strength and the possibility of dividend distributions make this a competitive option for many Florida businesses.
Example placements you might consider: a newly formed professional services firm whose principal has several years of industry experience; or a small residential contractor employing drywall installers who meets the prior coverage and subcontractor limits.
Frequently Asked Questions
What types of accounts are a good fit for this Workers' Compensation program?
Normandy Harbor is a strong fit for Florida-based non-construction businesses and small construction operations with limited subcontractor exposure and no work above two stories.
Can start-up businesses qualify for coverage?
Yes. Start-up non-construction operations are eligible if the owner can document at least three years of relevant experience (a resume is required).
What payment options are available to insureds?
Flexible pay plans include Pay-As-You-Go, 10% down with monthly self-reporting, 10% down with 9 installments, and 12 equal installments.
Is this an admitted program?
Yes. Normandy Harbor is an admitted Workers' Compensation carrier in Florida.
Does the program offer loss control support?
Yes. Normandy Harbor provides in-house loss control services to help insureds prevent injuries and control claims costs.
Need help placing an account? Connect with a market specialist.