Contractor Insurance | General Liability & Workers' Comp

We cover these industries & more!

Concrete Work

Drywall

Fencing

Flooring

Framers

Iron & steel work

Masonry

Painting

Roofers

Septic tank installation

Solar Installation

& many more!

Workers' Comp
for Contractors

 Submit Workers' Comp Application

 Instant Quote & Bind

or submit an application here



Workers' Comp Forms

Florida: Download

| Fill & submit online

All other states: Download

| Fill & submit online

WC Contractors Supplemental: Download

| Fill & submit online



Highlights

AM Best A-Rated carriers
Over 30 carriers available
No deductible requirements
Pay-as-you-go plan available



Guidelines

Contractor Risks

4 years loss runs or experience
No work over 40 feet or below 12 feet
Up to 50% sub exposure

Roofing & Solar Risks

Minimum premium $5,000
Minimum of 8 months prior coverage
No work over 40 feet
Up to 50% sub exposure



Targeted Class Codes

Interior Finishes

5445 – Drywall
5479 – Insulation
5474 – Painting
5480 – Plastering
5478 – Flooring
5348 – Tile and Stone
5437 – Interior Trim Carpentry

Structural & Exterior Work

3724 – Solar Installation
5022 – Masonry
5040 – Steel Erection – Frame Structures
5057 – Steel Erection – Other
6217 – Excavation
6400 – Fencing
5648 – Siding – Aluminum, Vinyl, or Plastic
5645 – Framing – Residential ≤ 3 Stories
5551 – Roofing

Mechanical, Electrical & Plumbing

5183 – Plumbing
5190 – Electrical
5537 – HVAC – Installation, Service, Repair

Specialty Contractors

5221 – Concrete Flatwork
5223 – Swimming Pool Construction
5102 – Awnings & Shower Doors
5606 – Project Managers / Superintendents
6229 – Irrigation & Septic Systems



States

General Liability
for Contractors

 Submit General Liability Application

 Instant Quote & Bind

or submit an application here



General Liability Forms

ACORD 125: Download

| Fill & submit online

ACORD 126: Download

| Fill & submit online

GL Contractor Supplemental: Download

| Fill & submit online



Highlights

AM Best A-Rated carrier
Blanket Additional Insured, Waiver of Subrogation, and Primary Non-Contributory wording available
Defense outside the limits available
Completed ops available
Open roof and torch-down coverage
Competitive markets for hard-to-place risks



Guidelines

Minimum premium $750
New ventures considered
3-5 years loss runs for established businesses



States

AL, AR, CA, CT, DC, FL, GA, LA, MA, MD, ME, MO, MS, NC, NJ, OH, OK, PA, RI, SC, TN, TX and VA.

Excess Liability
for Contractors

 Submit Excess Application



Excess Forms

ACORD 125: Download

| Fill & submit online

ACORD 131: Download

| Fill & submit online



Highlights

Up to $5,000,000 limit
Underlying must be A-rated carriers
Stand-alone policies available
Follow-form coverage available

Property
for Contractors

 Submit Property Application



Property Forms

ACORD 125: Download

| Fill & submit online

ACORD 140: Download

| Fill & submit online



Highlights

Coastal coverage available (Max TIV $5M per location)
Windstorm availability varies by location



States

AL, AR, CA, CT, DC, FL, GA, LA, MA, MD, ME, MO, MS, NC, NJ, OK, PA, RI, SC, TN, TX and VA.

Inland Marine
for Contractors

 Submit Inland Marine Application



Inland Marine Forms

ACORD 125: Download

| Fill & submit online

ACORD 152: Download

| Fill & submit online



Highlights

Builders Risk
Contractor's Equipment - Scheduled, leased, or borrowed
Installation Floater

Cyber
for Contractors

 Instant Quote & Bind

or submit an application here



Cyber Forms

Submit cyber applications online



Highlights

Active risk assessment to understand your risk in real-time
Active protection through monitoring and alerting to prevent risks
Active response with in-house response teams & leading coverage if an incident occurs
Both admitted and surplus available
Coverage: Up to $10M in aggregate, covering systems failure, social engineering, and more

Ready to submit an Application?

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

Email

Email to applications@normandyins.com

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Workers' Comp Files

Upload Workers' Comp ACORD 130

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