Commercial Insurance Products from Top-Rated Carriers

Workers' comp insurance
Workers' Comp
General Liability insurance
General Liability
yacht insurance
Yacht
Commercial Property insurance
Comm. Property
Cyber insurance
Cyber

We cover these industries & more!

Healthcare insurance

Healthcare

Manufacturing

Manufacturing

Restaurant insurance

Food & Beverage

Retail and Wholesale insurance

Retail & Wholesale

Construction

Construction

Lodging

Lodging

Cannabis

Cannabis

and more!

And More!

  Underwriting Guidelines
  • Up to $1 million each Occurrence
  • $2 million General Aggregate
  • $2 million Products
  • Completed Operations Aggregate

Highlights

  • Pay As You Go (Available for Contractor Codes)
  • Blanket Additional Insured &/or Waiver Available
  • Primary Non-Contributory endorsements
  • Rated A (Excellent) by A.M. Best
  • Non-Admitted & Admitted
  • Competitive rates
  • Flexible terms and conditions
  Underwriting Guidelines
  • Minimum premium $1,000
  • Roofers: 5 years in operation, 5 full time roofing employees, minimum payroll $250,000
  • 4 years loss runs or experience
  • No prior considered with a resume*
    * Resume required to show proof of experience for past 5 years, excluding roofing

Highlights

  • A-Rated carriers
  • No prior considered with a resume
  • Pay-as-you-go payment plan
  • Up to 50% sub exposure
  • No work over 40 ft or below 12 ft
  • No deductible requirements
  • Available in 37 states
  • Roofers and Framers Considered
  Hull and P&I coverage
  • Coverage for yachts
  • Trailer Craft
  • Sailboats
  • Navigating Houseboats
  • Motor Sailers
  • Catamarans

Highlights

  • Vessels used privately or for charter purposes
  • Vessels valued up to $5m USD
  • Limits of liability up to $10m USD
  • Crew liability
  • Coverage for personal property, tenders, trailers, non-emergency towing, uninsured boaters, medical payments and jet skis may be added
  • Surveys are required on all vessels over five years of age
  • No vessels that have a maximum speed over 90MPH
  • A.M. Best rated carrier
  Underwriting Guidelines
  • Deductibles range from 2-5%.
  • Maximum $3,000,000 per building and $5,000,000 per policy
  • Ranges based on construction type and location
  • Buildings constructed back to 1930. Full renovation within the last 30 years required for any built prior to 1950.

Prohibited Properties

  • Vacant Buildings
  • Nightclubs, Late Night Lounges/Taverns, Adult Nightclubs
  • Assisted Living Facilities, Rehab & Recovery Centers, Nursing Homes, Boarding Houses
  • Churches, Synagogues, Mosques
  • Bowling Alleys
  • Min-Storage/Self-Storage Facilities
  • Gas Station, C – Stores, Cannabis Manufacturing/Processing
  • Habitational Rentals (Apartments, Dwellings, Cottages, Multi-Family, Air BNB, VRBO, Co-Ops, etc )
    On a Case-by-Case Basis.
  • High Hazard/ (Saw Mills, Electro Plating, Metal Mfg., Arc Welding, Oil & Gas, Recycling, Heavy
  • Industrial, Scrap Metal, Auto Dismantling, Fertilizer & Flammable Storage)
  • Hotels/Motels
  Insurance Coverage
  • Up to $10M in aggregate coverage
  • Broad business interruption coverage
  • Enhanced coverage for:
    ○ Systems failure
    ○ Computer replacement
    ○ Bodily injury / property damage
    ○ Social engineering
  • Breach response coverage outside the limits
  • BYOD devices, IoT usage, andsocial media
  • Cost of system upgrades and reputation repair

Highlights

Free with every policy

1. Active Risk Assessment - Understand your risks in real time comprehensive insurance coverage

  • a. Personalized digital risk profiles: real time depiction of policyholder’s risk
  • b. Automated, intelligent underwriting: accurately evaluates and prices risk

2. Active Protection - Monitoring and alerting to identify and prevent risk before it strikes

  • a. Continuous scanning and monitoring: across all connected assets
  • b. Automated notifications: stay informed on new or changing risks

3. Active Response - In-house response teams & leading coverage if an incident occurs

  • a. In-house claims and incident response: quick response to resolve and minimize losses
  • b. Comprehensive coverage: broad coverage backed by trusted reinsurance partners

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Get in Touch

Call: 866-688-6442

Email: info@normandyins.com

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