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Overview — Normandy Harbor Insurance Company: Retail & Wholesale Stores Workers' Compensation Normandy Harbor Insurance Company, an admitted Florida carrier, offers a focused workers' compensation program designed for qualifying retail and wholesale stores. This program is intended for established, lower-risk brick-and-mortar accounts that need admitted coverage, flexible billing, and a carrier with underwriting depth and in-house service capabilities. Minimum premium is $1,000; underwriting emphasizes three or more years of industry experience and limited transportation or delivery exposure. Flexible Payment Options Normandy Harbor understands cash flow needs for small and mid-sized retailers. Available payment plans include: Pay-as-you-go (payroll-based, when eligible) 10% down with monthly payments 10% down with 9 installments 12 equal installments Ideal Accounts and Appetite This program is a fit for agents placing retail and wholesale store operations such as: Independent specialty retailers (apparel, sporting goods, home goods) Grocery and convenience stores with limited delivery activity Small wholesale distributors operating from a single warehouse location Franchise retail locations with consistent operations and experience Typically acceptable accounts have stable payroll patterns, at least three years in the same line of business, and minimal exposure from vehicle deliveries. Accounts with significant transportation fleets, high-volatility seasonal labor, or poor loss history are generally outside the appetite. Coverage Highlights and Advantages Admitted workers' compensation paper — simplifies compliance and certificates for Florida operations. Competitive underwriting supported by "A" rated reinsurance, stable financials, and experienced underwriters. In-house loss control team available to help reduce frequency and severity of workplace injuries. Responsive claims handling and a strong track record of dividend distributions to reward policyholder performance. Flexible billing plans to align with insured cash flow needs and payroll cycles. Underwriting Notes and Minimums Minimum premium: $1,000. Underwriters typically look for: Three or more years of verifiable industry experience. Limited transportation/delivery exposure — small in-store delivery functions may be acceptable; dedicated delivery fleets usually do not qualify. Standard underwriting documentation such as current payroll estimates, recent loss runs, and a clear description of business operations. Agents should submit loss runs and a concise operations description up front to expedite review. Territories and Availability This program is offered by Normandy Harbor for admitted placements in Florida. Availability in other jurisdictions is not represented by this storefront; please confirm territorial availability when submitting. Why Place This Business With Normandy Harbor Agents choosing Normandy Harbor gain an admitted carrier that combines program-level underwriting expertise with in-house loss control and aggressive claims service. The program is structured to reward good risk management (historical dividend distributions) and to offer practical billing options for smaller retail operators. For agents with stable retail or wholesale clients who meet the experience and exposure criteria, Normandy Harbor provides a practical admitted solution with solid service capabilities. Example Accounts That Fit A two-location specialty apparel retailer with three years of stable payroll, no delivery fleet, and clean loss history — meets the minimum premium and experience requirements. A single-location wholesale food distributor that operates only inside a warehouse and uses third-party carriers for deliveries — acceptable if the distributor’s own transportation exposure is limited. Frequently Asked Questions What types of retail or wholesale accounts are a good fit for this program?Accounts with at least three years of consistent industry experience, limited transportation or delivery exposure, stable payrolls, and a minimum premium of $1,000 are the best fit. Examples include specialty retailers, convenience stores with limited deliveries, and small wholesale operators without in-house fleets. What documentation does Normandy Harbor typically require at submission?Underwriters generally ask for recent loss runs, current payroll estimates, and a clear description of operations. Providing these items up front helps speed review and placement. Is this program admitted or non-admitted paper?This storefront represents Normandy Harbor as an admitted carrier for Florida placements. Confirm state availability and admitted status for other jurisdictions before submitting. What billing or payment plans are available for insureds?Normandy Harbor offers flexible options including pay-as-you-go (when eligible), 10% down with monthly payments, 10% down with nine installments, and 12 equal installments to accommodate client cash flow needs. How does Normandy Harbor support loss control and claims?The company provides a proactive in-house loss control team and responsive claims handling. These capabilities help reduce long-term costs and support dividend-eligible performance for qualified policyholders. Need help placing an account? Connect with a market specialist.