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Workers' Compensation for Contractors from Normandy Harbor Insurance Company Securing Workers' Compensation coverage for contractors can be challenging, especially when dealing with underwriters unfamiliar with the construction trades. Normandy Harbor Insurance Company specializes in Workers' Compensation and brings a deep understanding of contractor risks to the table. Our in-house loss control team is highly trained to identify hazards and implement safety practices that help reduce claims and long-term costs. Ideal Contractor Classes We actively write Workers' Compensation for a wide range of artisan and general contractors. Our appetite includes both residential and commercial operations. Some of the contractor classes we commonly support include: Cabinet Installation Commercial Remodeling Drywall Installation Electricians Flat Concrete Work HVAC Technicians Interior Carpentry Plumbing Contractors Residential Remodeling Tile Installation ...and many more If you have a client who operates a small-to-mid-sized remodeling firm or an independent electrician expanding operations, our contractor-focused Workers' Comp program may be a great fit. Program Highlights Dedicated in-house loss control to help clients reduce risk and claims frequency Carrier-underwritten program offering stability and consistency Tailored to the needs of Florida-based contractors Responsive underwriting and claims support Underwriting Guidelines and Minimum Premium Normandy Harbor works directly with agents and brokers to assess each contractor’s operations and risk profile. The minimum premium for this program is $3,000. We seek accounts with a strong safety culture and a willingness to engage with our loss control team. New ventures may be considered based on class and prior experience. Territories and Admitted Status This Workers' Compensation program is available exclusively in Florida and is written on an admitted basis. We understand the nuances of Florida’s Workers' Comp market and are equipped to help you place challenging contractor accounts with confidence. Why Work With Normandy Harbor As a Florida-based carrier with a focused expertise in Workers' Compensation, Normandy Harbor stands apart for its commitment to service, risk management, and contractor-focused underwriting. We don’t just write policies — we partner with you and your clients to help improve safety outcomes and long-term cost stability. To learn more or submit a risk, contact us at 866-688-6442 or visit our company profile. Visit our Workers' Compensation for Contractors storefront to get started. Frequently Asked Questions What types of contractor accounts are a good fit for this program?We target small to mid-sized contractors in Florida, including electricians, HVAC, drywall installers, plumbers, and remodeling firms. Accounts with strong safety practices are ideal. Is this Workers' Comp program available outside Florida?No, this program is currently only available in Florida. What is the minimum premium for this program?The minimum premium is $3,000, with consideration for class, operations, and loss history. Can new ventures qualify for coverage?Yes, new ventures may be eligible depending on the class of business and the owner's prior experience. Does Normandy Harbor provide loss control support?Yes, our in-house loss control team works closely with insureds to help reduce workplace risks and improve claim outcomes. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Allied Medical Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a robust Allied Medical Professional Liability Insurance program designed for a broad range of healthcare professionals and facilities. As a wholesale broker with access to a variety of markets, McGowan can help you place complex or hard-to-insure medical accounts with confidence. Whether your client is a solo practitioner, a specialty clinic, or a large healthcare facility, this program provides flexible and tailored solutions to address evolving professional liability risks in the medical industry. Ideal Accounts and Appetite This program targets a wide array of allied healthcare providers, including both standard and hard-to-place risks. Eligible classes include: Ambulance Services Blood & Tissue Banks Clinical Research & Trials Clinics and Physician Groups CRNAs, Nurses, and Physical Therapists Counselors and Mental Health Facilities Dentists and Surgeons (hard-to-place) Home Healthcare Agencies Hospitals and Medi Spas Pharmacies Physicians (hard-to-place) If you have clients with prior claims, licensing issues, or unique practice models, this program may offer a viable solution where standard markets fall short. Coverage Highlights and Advantages The Allied Medical Professional Liability program includes: Professional & Management Liability coverage Primary and Excess Limits available to meet varying risk profiles Access to both admitted and non-admitted carriers, depending on the state Solutions for hard-to-place medical professionals and facilities This program helps protect your clients from claims arising from professional negligence, errors and omissions, and management decisions within the scope of healthcare services. Underwriting Notes and Minimum Premiums Underwriting is flexible, with a focus on understanding the unique risk profile of each applicant. While minimum premium information is not specified, accounts are assessed based on size, services provided, claims history, and jurisdiction. McGowan’s team works closely with agents to structure appropriate solutions for both standard and distressed risks. Territories and Availability The Allied Medical Professional Liability Insurance program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted options are available in many of these jurisdictions, with non-admitted placements offered as needed. Why Work With The McGowan Companies As a trusted wholesale broker, The McGowan Companies bring deep expertise in the healthcare liability space. Their access to a variety of carriers, responsiveness, and ability to craft customized solutions make them a valuable partner for agents placing complex medical liability risks. Whether you're working with a newly formed clinic or a high-exposure facility with a challenging claims history, McGowan can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for allied healthcare providers, including clinics, physician groups, CRNAs, medi spas, home healthcare agencies, and hard-to-place risks like surgeons or physicians with prior claims. Can this program handle accounts with prior claims or licensing issues?Yes, McGowan specializes in underwriting hard-to-place healthcare providers, including those with prior claims history or regulatory concerns. Are both primary and excess limits available?Yes, the program offers both primary and excess liability coverage options to meet a wide range of client needs. Is this program available in my state?The program is available in most U.S. states. Contact McGowan for specific availability and carrier options in your state. What carrier markets does McGowan work with for this program?McGowan has access to a variety of carriers for this program. Carrier selection may vary by state and account profile. Need help placing an account? Connect with a market specialist.

Workers' Compensation for Contractors from Normandy Harbor Insurance Company Securing Workers' Compensation coverage for contractors can be challenging, especially when dealing with underwriters unfamiliar with the construction trades. Normandy Harbor Insurance Company specializes in Workers' Compensation and brings a deep understanding of contractor risks to the table. Our in-house loss control team is highly trained to identify hazards and implement safety practices that help reduce claims and long-term costs. Ideal Contractor Classes We actively write Workers' Compensation for a wide range of artisan and general contractors. Our appetite includes both residential and commercial operations. Some of the contractor classes we commonly support include: Cabinet Installation Commercial Remodeling Drywall Installation Electricians Flat Concrete Work HVAC Technicians Interior Carpentry Plumbing Contractors Residential Remodeling Tile Installation ...and many more If you have a client who operates a small-to-mid-sized remodeling firm or an independent electrician expanding operations, our contractor-focused Workers' Comp program may be a great fit. Program Highlights Dedicated in-house loss control to help clients reduce risk and claims frequency Carrier-underwritten program offering stability and consistency Tailored to the needs of Florida-based contractors Responsive underwriting and claims support Underwriting Guidelines and Minimum Premium Normandy Harbor works directly with agents and brokers to assess each contractor’s operations and risk profile. The minimum premium for this program is $3,000. We seek accounts with a strong safety culture and a willingness to engage with our loss control team. New ventures may be considered based on class and prior experience. Territories and Admitted Status This Workers' Compensation program is available exclusively in Florida and is written on an admitted basis. We understand the nuances of Florida’s Workers' Comp market and are equipped to help you place challenging contractor accounts with confidence. Why Work With Normandy Harbor As a Florida-based carrier with a focused expertise in Workers' Compensation, Normandy Harbor stands apart for its commitment to service, risk management, and contractor-focused underwriting. We don’t just write policies — we partner with you and your clients to help improve safety outcomes and long-term cost stability. To learn more or submit a risk, contact us at 866-688-6442 or visit our company profile. Visit our Workers' Compensation for Contractors storefront to get started. Frequently Asked Questions What types of contractor accounts are a good fit for this program?We target small to mid-sized contractors in Florida, including electricians, HVAC, drywall installers, plumbers, and remodeling firms. Accounts with strong safety practices are ideal. Is this Workers' Comp program available outside Florida?No, this program is currently only available in Florida. What is the minimum premium for this program?The minimum premium is $3,000, with consideration for class, operations, and loss history. Can new ventures qualify for coverage?Yes, new ventures may be eligible depending on the class of business and the owner's prior experience. Does Normandy Harbor provide loss control support?Yes, our in-house loss control team works closely with insureds to help reduce workplace risks and improve claim outcomes. Need help placing an account? Connect with a market specialist.