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Workers' Compensation Program for HVAC Contractors – Offered by Normandy Harbor Insurance Company Normandy Harbor Insurance Company, an admitted carrier based in Florida, provides specialized workers' compensation coverage designed for HVAC (Heating & Air Conditioning) contractors. This program is tailored to the unique risks and regulatory needs of HVAC businesses operating in Florida and offers flexible payment options to accommodate diverse business needs. Ideal Accounts and Appetite This program is best suited for Florida-based HVAC contractors that meet the following underwriting criteria: Minimum of 3 employees in the primary classification. At least 1 year of prior workers' comp coverage with a favorable loss history. No work conducted at heights exceeding two stories. Use of subcontractors limited to 30% or less. Whether your client services residential, commercial, or a mix of HVAC systems, this program is a great fit for stable, safety-conscious operations with consistent work volume and minimal high-risk exposures. Coverage Highlights and Advantages Normandy Harbor's workers' compensation program for HVAC contractors offers the following benefits: Admitted coverage in Florida with strong financial backing and "A" rated reinsurance. 100% dividend payment history, rewarding policyholders with excellent performance. In-house loss control team focused on preventing claims and improving workplace safety. Responsive claims handling with an emphasis on fast, fair resolutions. Flexible payment plans include: Pay-as-you-go reporting. 10% down with monthly payments or 9-installment options. 12 equal monthly installments. Underwriting Notes and Minimum Premiums A minimum premium of $1,000 applies. Accounts should demonstrate a stable history, manageable loss experience, and compliance with the underwriting restrictions mentioned above. This program is not intended for HVAC contractors who regularly work above two stories, have excessive subcontractor use, or lack sufficient employee count in the primary classification. Territories and Availability This program is currently available exclusively in Florida. As an admitted market in the state, Normandy Harbor provides coverage that meets local regulatory requirements and delivers reliable service and claims handling to Florida agents and their insureds. Why Work With Normandy Harbor Insurance Company? Normandy Harbor is a trusted partner for Florida agents looking to place stable, well-managed HVAC accounts. With a 100% dividend payment record and a proactive approach to loss control and claims, they help you deliver long-term value to your clients. Their underwriting expertise and flexible payment plans make it easier to place and retain quality accounts in this niche market. Frequently Asked Questions What types of HVAC contractors are eligible for this program?Contractors with at least 3 employees in the HVAC classification, one year of prior coverage with a good loss history, and no work above two stories are eligible. Is this program available outside of Florida?No, this workers' compensation program is currently only available in Florida. What payment options are available to insureds?Normandy Harbor offers multiple payment options, including pay-as-you-go, 10% down with monthly payments or 9 installments, and 12 equal monthly installments. Are HVAC contractors using subcontractors eligible?Yes, as long as subcontractor use does not exceed 30% of the total work volume. What makes Normandy Harbor a strong market for HVAC workers’ comp?They offer admitted coverage in Florida, an "A" rated reinsurance structure, proactive loss control, fast claims service, and a consistent record of dividend payments. Need help placing an account? Connect with a market specialist.

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