Normandy's Workers’ Comp Dividend Plans

Another reason agents stick with Normandy

When you’re building a long-term comp book, small perks can make a big difference. That’s where our dividend plans come in.
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With Normandy, you can offer your insureds a shot at earning money back after the policy ends. We keep the process transparent, the rules clear, and the structure flexible—so you can focus on writing more business.

What Makes Normandy Dividends Different

Many dividend programs come with complicated structures or restrictions. Normandy keeps things straightforward.

One Dividend Payout

When dividends are declared, the full amount is paid in a single distribution—not split across multiple dates.

No “Golden Handcuffs”

Clients remain eligible for their dividend even if they later move their coverage or close their business.

Dividend options for $10K+ comp risks

Flat Dividend

Simple and steady

Pays a fixed %—not tied to losses
Designed for businesses who want predictability

Sliding Scale Dividend

Performance earns the return

Based on final premium and loss ratio
No recapture, no LDF, no IBNR

Combo Plan

Flat return + sliding scale

Includes both a flat return and a sliding-scale return
No LDF, no IBNR, and no recapture

General Guidelines

These apply to all dividend plans:

Available on final audited discounted premiums of $10,000 or more
Policies must remain active for the full 12-month term
No more than one cancellation notice during the policy period
No coverage lapses or past-due balances
Calculated 6 months after policy expiration
Subject to final audit (must be compliant and complete)
Subject to approval by Normandy’s Board of Directors
Dividends are not guaranteed

State Availability

Dividends are not available in MO or NJ. Limited dividend plans are available in MD, NY, OK, and RI.

‍Note: Dividend structure and potential return may vary. Please check with your Normandy underwriter or marketing rep for details on what’s available for your specific risk.

Ready to quote a dividend-eligible risk?

We’re built to support agents, and we’ve got the tools to help you stay competitive.
Bring us a strong Workers’ Comp risk and let’s find the right fit—flat, sliding, or combo.

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