Normandy Insurance

Normandy Insurance works in the U.S. commercial insurance market in two related roles: it is a workers’ compensation carrier and, through its wholesale team, helps independent agents find coverage for risks that do not fit a standard policy. Its usual client is an insurance professional seeking options for businesses, not a driver or homeowner shopping for personal coverage.

Workers’ compensation is a central line of business. Normandy offers its own programs as well as coverage through partner insurers, with underwriting shaped by the company’s industry, workforce and risk characteristics. Industries it lists include contractors, manufacturing, transportation and warehousing, health care, hotels, heating and air conditioning, landscaping and maintenance services.

Its commercial offerings also include general liability, small-business packages, commercial property, professional liability, cyber, employment practices liability, and marine or yacht coverage. The company presents these lines alongside admitted carriers and specialty markets; actual availability depends on the state, risk class and the rules of participating insurers.

For harder-to-place accounts, the wholesale team compares options across different markets and works with the agent who manages the relationship with the insured business. Normandy describes underwriting appetites for areas such as roofing contractors, welders, coastal properties, hotels and businesses with challenging claims histories. Each risk must be reviewed before a quote or coverage can be promised.

The website lets agents request online quotes, submit applications and consult underwriting guides, forms and other resources. It also provides separate channels for policy administration and claims reporting. For agents and businesses, that structure brings the application, review and follow-up for commercial coverage into a coordinated point of contact.

The company also highlights loss control: its prevention specialists help businesses identify practices that may reduce accidents and property damage. In workers’ compensation, that preventive work complements financial coverage and claims handling. It is especially relevant for businesses involving physical tasks, equipment, facilities or employees exposed to operational hazards.

Normandy combines insurance-carrier capacity with wholesale brokerage to help agents address a range of commercial needs. Its official site lists a Boca Raton mailing address for policy administration and separate contact channels for underwriting, service and claims; it does not present that address as a walk-in branch. The mailing address for claims is P.O. Box 477, Chester Heights, Pennsylvania 19017. Coverage and requirements vary by state and risk.