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!

General Liability

General Liability Forms

Acord 125: Download Acord 125 | Fill & submit Acord 125 online

Acord 126: Download Acord 126 | Fill & submit Acord 126 online

Submit General Liability Application
  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

Workers' Comp

Workers' Comp Forms

Florida: Download Acord 130 FL | Fill out Acord 130 online
All other states: Download Acord 130 | Fill it out online‍

Submit Workers' Comp Application
  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 work over 40 ft or below 12 ft

Highlights

  • A-Rated carriers
  • No prior considered with a resume
  • Flexible payment plans and pay-as-you-go
  • Up to 50% sub exposure
  • No deductible requirements
  • Available in 37 states
  • Roofers and Framers Considered
  • No prior considered with a resume*
    * Resume required to show experience for past 5 years, excluding roofing

Yacht

Yacht Forms

‍Yacht Application: Download application | Fill & submit online

Submit Yacht Application
  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

Coastal Commercial Property

Commercial Property Forms

Acord 125: Download Acord 125 | Fill & submit Acord 125 online

Acord 140: Download Acord 140 | Fill & submit Acord 140 online

Submit Commercial Property Application
  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

Cyber

Complete Cyber Application
  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

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

Ready to Submit an Application?

Download the forms from the corresponding section above and submit via one of the options below.

email
  Email
Email to applications@normandyins.com
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