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In the hospitality industry, exceptional service is expected — but behind the scenes employees face physical risks that make workers compensation coverage a top priority. With a higher-than-average frequency of workplace injuries in this sector, hospitality businesses need reliable, technology-driven solutions to control costs and manage liability. Integrated Underwriters, in partnership with ShiftPixy®, offers a specialized Workers Compensation Hospitality program built for hotels, restaurants, bakeries, grocery and retail food outlets. The program leverages ShiftPixy’s next-generation technology to streamline payroll, HR and workers comp administration while shifting employer-related liabilities away from your insureds. Ideal Accounts and Target Classes This program is tailored for a broad range of hospitality-related operations. It fits accounts that have moderate to high payroll and significant hourly staff exposure — for example, kitchens, servers, delivery drivers, housekeeping and retail sales. Active class codes include: • Bakery – Salesperson & Driver (2003) • Drivers, Chauffeurs & Messengers (7380) • Grocery & Retail Stores (8006) • Retail Stores NOC (8017) • Wholesale Stores NOC (8018) • Meat, Fish & Poultry Stores (8031) • Outside Salesperson (8742) • Clerical Office Employees (8810) • Hotels (9050) • Hotel – All Other Employees (9052) • Hotel – Restaurant Employees (9058) • Restaurants & Taverns – All Other Employees (9079) • Restaurants NOC (9082) Example fits: a boutique hotel with on-site dining and housekeeping staff, or a regional restaurant group with kitchen teams and delivery drivers. The market also considers lapsed coverage accounts, giving flexibility for clients returning to the marketplace. Coverage Highlights and Program Advantages Agents and brokers gain a streamlined underwriting and servicing experience. Key features include: • Quote and Bind Online • No Audits Required • Pay-As-You-Go Billing Model • $1 Million EPLI Policy Included • Access to the ShiftPixy® Mobile App • Full Transfer of Employer-Related Liabilities to ShiftPixy® This combination reduces administrative burden for insureds, improves payroll/cash-flow predictability, and provides an integrated HR platform to help control claims and compliance exposure. Underwriting Notes and Minimum Premiums The program targets mid-sized to larger hospitality accounts. Typical guidelines include a minimum premium of $25,000 and an experience modification (ExMod) range generally between 1.20 and 2.90. Underwriting reviews payroll composition, loss history, operations mix and whether the account’s employee functions align with ShiftPixy’s service model. Availability and Admitted Status This market is available in most states on an admitted basis in many territories. Key states include AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA and WI. Availability may vary by carrier and state — underwriters will confirm admitted status at quote. Why Work With Integrated Underwriters? Integrated Underwriters combines deep workers compensation expertise with a strong partnership with ShiftPixy to deliver a modern, efficient placement for hospitality risks. Agents benefit from online quoting and binding, fewer audits, a pay-as-you-go premium flow, and access to tools that help reduce employer-related liabilities. The program is designed to help you place larger, payroll-heavy hospitality accounts that need both coverage and operational support. To request a quote or discuss placement strategy, connect with a market specialist and we’ll help determine fit and availability for your client. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation Hospitality program?This program works best for hotels, full-service and limited-service restaurants, bakeries, grocery and specialty food retailers, and other hospitality businesses with significant hourly payroll and active employee roles. Can I submit accounts with a lapse in prior coverage?Yes. Accounts with prior coverage lapses are eligible for consideration, though underwriting will review reasons for the lapse and recent payroll activity. What is the minimum premium requirement?The minimum premium for the program is $25,000, making it targeted to mid-sized and larger hospitality operations. Which states is this program available in?The program is available in most states. Major available territories include CA, TX, FL, NY, IL and many others; final availability and admitted status are confirmed at quote. How does ShiftPixy® help reduce employer-related liabilities?ShiftPixy® provides a technology-driven payroll and HR platform that assumes employer-related administrative functions, helping to centralize compliance, payroll and HR processes and reducing operational exposure for the insured. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance is a critical coverage line for hotels, motels, and resort operations due to the high frequency of workplace injuries such as slips, falls, strains, and repetitive motion injuries. The hospitality industry often involves physically demanding tasks, shift work, and fast-paced environments, all of which contribute to elevated risk levels for employees. Proper coverage helps protect your clients from costly claims and ensures compliance with state requirements. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation program designed specifically for the hospitality sector. This program is backed by “A” rated carriers and includes expert underwriting support to help you place accounts efficiently and effectively. Whether you’re working with a boutique hotel or a multi-location resort, our team acts as an extension of your agency to help you navigate complex risks and identify the right solutions for your insureds. Call us today at 800-758-8113 to speak with an experienced broker about your Hotel, Motel, or Resort Workers Compensation accounts. Ideal Accounts and Appetite Independent hotels and motels Franchised hospitality chains Destination resorts and spa retreats Properties with food service, housekeeping, and maintenance operations You might have a client who owns a mid-sized resort in Florida with a full-service restaurant and spa. Or perhaps a privately-owned motel in California with 25 employees. These are the types of accounts this program is built to handle. Coverage Highlights and Advantages Access to “A” rated carriers for financial stability and reliability Competitive 10% commission Fast turnaround on quotes with complete submissions Coverage available across 25+ states Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Completed Acord 130 application 3 years of currently valued loss runs Supplemental hospitality questionnaire Details on any large or unusual losses Applications with complete, organized documentation receive faster underwriting turnaround, helping you deliver timely quotes to your clients. Territories and Market Access This Workers Compensation program is available in over 25 states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Admitted and non-admitted markets are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker, Novatae Risk Group brings deep experience in hospitality risk management and access to a wide array of markets. Our in-house experts help simplify the placement process and provide tailored support that helps you win and retain accounts. We’re here to help you grow your Workers Comp book with reliable markets and responsive service. Need a quote for your hotel, motel, or resort client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, motels, and resorts with standard operations, including housekeeping, food service, and maintenance staff. Both independent and franchised properties are eligible. Is there a minimum premium requirement?Yes, the program requires a minimum premium of $7,500. What documents are needed to submit an account?Submissions should include a completed Acord 130, three years of loss runs, a supplemental hospitality questionnaire, and any details of large losses. How quickly can I get a quote?Quotes are typically provided quickly once a complete submission is received. The turnaround time depends on the complexity of the risk. In which states is this program available?The program is available in over 25 states, including CA, FL, TX, NY, GA, and others. Contact us for specific state availability. Need help placing an account? Connect with a market specialist.

Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. Territories and availability Available in: 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, WY. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.

Policy Highlights for Home Health Care Insurance: Colonial General Insurance Agency, Inc. offers a dedicated Home Health Care Insurance program tailored for agencies that deliver professional and non-professional services in residential settings. Whether your client operates a small local service or a growing multi-location agency, this program gives agents access to competitive coverage options on a mono-line or package basis and flexible placement through admitted and surplus markets. Ideal Accounts and Appetite This program is designed for independent agents placing coverage for: Home health care agencies providing nursing, physical therapy, skilled or unskilled personal care Non-medical caregivers offering companionship, housekeeping, meal preparation, or transportation Small to mid-sized operations serving individual homes (not institutional facilities) Preferred accounts have documented safety protocols, staff screening and training, incident reporting, and HIPAA/compliance practices. Agencies that serve high-risk patients (e.g., complex wound care, high-acuity respiratory support) or operate in non-residential/institutional settings may require enhanced underwriting review or be considered outside the appetite. Example accounts you might place: a two-branch caregiver service that provides companion care, medication reminders and light ADL assistance; or a licensed home health agency offering skilled nursing and outpatient PT for post-surgical patients with established training and quality control programs. Coverage Highlights and Advantages Commercial General Liability Primary limits: up to $1,000,000 per occurrence / $3,000,000 aggregate Excess/umbrella limits: capacity up to $25,000,000 Included and available coverages: Medical payments — $5,000 limit Errors & Omissions (professional liability) — available up to policy limits Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate (higher limits available) No deductible required for standard GL placements Crime Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Building and contents Business income and extra expense Computer equipment and equipment breakdown Accounts receivable and valuable papers Inland marine, outside signs Basic, broad, or special form; replacement cost or ACV options Underwriting Notes and Market Access Colonial General places accounts in admitted territories where available and uses surplus lines when appropriate. Underwriters evaluate operational history, staff hiring and training practices, written policies and procedures, loss history, and the specific services provided when structuring coverage. There are no blanket minimum premium rules — quotes are customized to the size and exposures of the account. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets exist in some states; when admitted capacity is not available, Colonial General can access E&S carriers to secure coverage. Why Work With Colonial General? As a Managing General Agency and E&S broker with focused expertise in niche health care and service-based risks, Colonial General offers agents responsive underwriting, broad market access, and personalized placement support. Agents benefit from underwriters who understand common home health exposures and can structure combined GL, E&O and property solutions for growing agencies. Frequently Asked Questions What types of accounts are a good fit for this program?Home health care agencies that provide professional or non-professional services in residential settings — for example, licensed home health agencies, private duty nursing, and non-medical caregiver services — are core fits for this program. Is this program available on an admitted basis?Some markets are admitted depending on the state and the account profile. Colonial General also places business with surplus lines carriers when admitted capacity is limited or unavailable. Are package options available, or is it mono-line only?You can place coverage on a mono-line basis or bundle GL, E&O, property, and crime into a package to fit the client’s needs and exposures. What states is this program offered in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get higher limits for abuse or professional liability coverage?Yes. Higher optional limits for sexual/physical abuse and professional liability are available — contact Colonial General underwriting to discuss limits and terms for your specific account. Need help placing an account? Connect with a market specialist.

Overview — RecycleGuard: Recycling Operations (Amwins Underwriting) For more than 20 years, RecycleGuard has been a leading commercial insurance and risk management program for the recycling industry. Sponsored by the Recycled Materials Association (ReMA) and administered by Amwins Underwriting, the program is built specifically for businesses that process metal, plastic, glass, paper, rubber, textiles, electronics or combinations of these materials. RecycleGuard pairs specialized underwriting with market access (including Berkley Custom) to address the unique property, casualty and pollution exposures that recyclers face. Ideal Accounts and Target Classes RecycleGuard is designed for recycling operations where recycling is the primary business activity. Target classes include (but are not limited to): Scrap metal processors Electronics recyclers and e-waste facilities Paper and cardboard recycling plants Plastic reclaimers and processors Glass recyclers Auto dismantlers and automobile recycling yards Typical fits are accounts with defined processing operations, documented procedures for incoming product, and training programs for handling hazardous or combustible materials. Accounts that lack controls for hot work, dust management, or hazardous materials handling may require remediation before placement. Coverage Highlights and Advantages Broad package options: Automobile, General Liability, Umbrella, Property, Inland Marine, Crime and Equipment Breakdown (including production machinery). Specialty coverages: Impaired property, limited pollution coverage, professional liability for document destruction, and stock coverage with a manufacturer's selling price valuation clause. Conversion coverage: Available for purchases of material from sellers who may not hold legal title or possession. Products coverage clarified: Policy language is tailored to clarify coverage for material that will be recycled, reconditioned or reclaimed. Audit flexibility: Audits can be based on payroll or tonnage to reduce premium volatility caused by commodity price swings. Program structure options: Available as traditional guaranteed cost or as individually designed large deductible/self-insured retention programs. Admitted capacity: Coverage is provided on an admitted basis unless otherwise indicated. Underwriting Appetite & Restrictions RecycleGuard underwriters look for operations with documented procedures for receiving, storing and processing recyclable materials. The program generally favors facilities that: Have controls for hot work and spark management; Use housekeeping and dust-control practices to limit fire risk; Maintain clear vendor/seller documentation when purchasing scrap or recyclable material; Provide training for handling batteries, e-waste and other potentially hazardous items. Higher-hazard operations, extensive onsite shredding without dust control, uncontrolled chemical or fuel storage, or operations with frequent large pollution incidents may be declined or require risk improvements and higher retentions. Submission Requirements To expedite placement, include the following with submissions: Completed ACORD applications signed by the insured, including detailed property information (construction, occupancy, square footage, age). RecycleGuard Supplemental Questionnaire (REQUIRED). Additional supplements as applicable (e.g., Rubber, Auto Dismantler). Five years of recently valued company loss runs (a summarized loss history is helpful) and details on losses over $10,000. Full description of operations (including additional Named Insureds). Expiring premiums and target premiums for all lines. Driver list with MVRs and complete VINs for covered vehicles. Current experience modification worksheet and Equipment Breakdown application if coverage is desired. For new ventures, owner and manager resumes. Please refer to the RecycleGuard Submission Checklist to confirm you have all required materials. Territories and Availability The program is available in all U.S. states. States and territories supported include: 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. Why Place Recycling Business with Amwins Underwriting As an experienced managing general agency, Amwins Underwriting combines deep recycling industry expertise, program-specific policy language, and access to admitted capacity (including Berkley Custom) to offer solutions mainstream insurers may not provide. RecycleGuard’s long track record and ReMA sponsorship make it an efficient option when you need tailored coverage for recycling operations. Please send submissions to: [email protected] Frequently Asked Questions What types of recycling accounts are the best fit for RecycleGuard?Accounts whose primary business is recycling—such as scrap metal yards, e-waste processors, paper and plastic reclaimers, glass recyclers and auto dismantlers—are the best fit. Preferenced accounts have documented processing controls, training and procedures for incoming material and combustible/hazardous material management. Is pollution coverage included?RecycleGuard offers limited pollution coverage options. The program can provide broader pollution limits in some cases, but availability depends on operations, prior loss history and underwriting review. How are audits handled for tonnage-based operations?Audits can be performed on a payroll or tonnage basis to reduce premium volatility from commodity price swings. Underwriting will choose the audit basis that best reflects the insured’s exposure and revenue drivers. What are the common submission items that speed placement?Include a completed ACORD application, the RecycleGuard supplemental questionnaire, five years of valued loss runs, a full operations description, driver lists/VINs (if applicable) and expiring premium details. For new ventures, add owner/manager resumes. Need help placing an account? Connect with a market specialist.

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.