Normandy Insurance Company Review (2024)

Normandy Insurance Company stands as a stalwart in the insurance landscape, offering a robust array of coverage options to fortify businesses and protect their assets.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Normandy Insurance Company

Average monthly rate for business insurance:

$67

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Diverse insurance portfolio
  • Competitive rates
  • Customer-centric approach
  • Swift claims processing
  • Customized solutions

Cons

  • Limited availability in certain regions
  • Limited online policy management options
  • May not offer specialized coverage for some niche industries

In this informative article, we delve into the world of Normandy Insurance Company, a trusted name in the insurance industry, that provides a diverse range of coverage options to safeguard businesses and their assets.

We explore their comprehensive suite of insurance offerings, including workers’ compensation, general liability, commercial auto, property insurance, and commercial umbrella policies, tailoring solutions to meet the unique needs of clients.

Normandy’s commitment to customer-centric service, competitive rates, and efficient claims processing sets them apart. With a focus on safety, customizable coverage, and a reputation for financial stability, Normandy Insurance emerges as a dependable partner in protecting businesses.

Client testimonials further attest to their excellence. Whether you’re seeking foundational coverage or specialized industry solutions, Normandy Insurance Company stands ready to deliver peace of mind to businesses across various sectors.

Normandy Insurance Company Insurance Coverage Options

Normandy Insurance Company offers a comprehensive range of coverage options designed to meet the diverse needs of businesses across various industries. Here is a bullet list of the coverage options typically offered by Normandy:

  • Workers’ Compensation Insurance: Provides coverage for workplace injuries and illnesses, including medical expenses and lost wages for employees. It also helps protect businesses from legal liabilities related to employee injuries.
  • General Liability Insurance: Protects businesses against claims of bodily injury, property damage, and personal injury. It’s a foundational coverage that safeguards against various liabilities.
  • Commercial Auto Insurance: Tailored for businesses that rely on vehicles, this coverage protects commercial vehicles and drivers, offering peace of mind on the road.
  • Property Insurance: Covers physical assets, including office spaces, inventory, and equipment, against unexpected disasters like fire, theft, or vandalism.
  • Commercial Umbrella Insurance: Provides additional liability coverage beyond the limits of other liability policies, ensuring extended protection when needed most.
  • Professional Liability Insurance: Protects businesses and professionals from claims of negligence or errors and omissions in their services. Commonly sought by professionals like doctors, lawyers, and consultants.
  • Cyber Liability Insurance: Safeguards businesses from the financial repercussions of data breaches and cyberattacks, including data recovery, legal costs, and customer notification expenses.
  • Employment Practices Liability Insurance (EPLI): Covers businesses against claims related to employment practices, such as wrongful termination, discrimination, or harassment.
  • Directors and Officers (D&O) Insurance: Protects the personal assets of directors and officers in case they are personally sued for decisions made on behalf of the company.
  • Business Interruption Insurance: Provides coverage for lost income and extra expenses incurred during a covered event that forces a business to temporarily close or relocate.
  • Equipment Breakdown Insurance: Covers the cost of repairing or replacing damaged equipment due to mechanical breakdown or electrical failure.
  • Inland Marine Insurance: Protects property that is in transit or temporarily stored at locations other than your primary business premises, such as tools, equipment, and valuable goods.
  • Professional Liability Insurance: Also known as Errors and Omissions (E&O) Insurance, this coverage is essential for businesses that provide professional services. It protects against claims of negligence, errors, or omissions in the services provided.
  • Crime Insurance: Safeguards against financial losses resulting from criminal activities such as theft, fraud, or embezzlement committed by employees or third parties.
  • Environmental Liability Insurance: Covers the costs associated with environmental cleanup and damages resulting from pollution or contamination.
  • Surety Bonds: These are financial guarantees that ensure contractual obligations are met. Normandy may offer various types of surety bonds, including performance bonds and bid bonds.

These coverage options are designed to be tailored to the specific needs of businesses, and Normandy works closely with clients to create insurance packages that provide optimal protection while remaining cost-effective.

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Normandy Insurance Company Insurance Rates Breakdown

Driver ProfileNormandy InsuranceNational Average
Clean Record$80$119
1+ Ticket$100$147
1+ Accident$120$173
DUI$159$209
Poor Credit$138$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Normandy Insurance Company Discounts Available

DiscountsNormandy Insurance
Anti Theft12%
Good Student15%
Low Mileage13%
Paperless9%
Safe Driver24%
Senior Driver12%

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Normandy Insurance Company values its clients and offers various discounts to help businesses save on their insurance costs. Here is a list of discounts that Normandy may offer:

  • Multi-Policy Discount: If you bundle multiple insurance policies, such as workers’ compensation and general liability, with Normandy, you can qualify for a multi-policy discount, reducing your overall insurance expenses.
  • Safety and Training Discounts: Normandy often rewards businesses that prioritize safety and employee training. Implementing safety measures and providing training programs can lead to discounts on your insurance premiums.
  • Claims-Free Discount: Maintaining a claims-free history can earn you a discount. Businesses that have a record of few or no insurance claims may enjoy reduced rates.
  • Group Discounts: Normandy may offer group discounts for businesses that are part of industry associations or consortiums. Being part of a group can lead to cost savings on your insurance coverage.
  • Experience Modification Rate (EMR) Improvement: If your business has improved its EMR, which reflects your workers’ compensation claims history, Normandy may offer discounts as a reward for safer workplace practices.
  • Paid-in-Full Discount: Paying your annual insurance premium in full, rather than in installments, can often result in a discount on your policy.
  • Early Renewal Discount: Renewing your insurance policy with Normandy ahead of the expiration date may make you eligible for an early renewal discount.
  • Safety Equipment Discounts: Installing safety equipment and measures in your business premises, such as security systems and fire prevention systems, can lead to reduced insurance rates.

It’s important to note that the availability of these discounts may vary based on your location and the specific policies you choose. To determine the exact discounts applicable to your business, it’s advisable to contact Normandy Insurance Company directly and speak with one of their representatives.

How Normandy Insurance Company Ranks Among Providers

Normandy Insurance Company operates in a competitive insurance landscape, where several other companies also offer various business insurance solutions. Here, we’ll discuss some of the main competitors of Normandy Insurance:

  • The Hartford: The Hartford is a well-established insurance company known for its commercial insurance offerings. They provide a wide range of coverage options, including workers’ compensation, general liability, and property insurance. The Hartford’s strong financial stability and reputation make it a formidable competitor.
  • Travelers: Travelers is a major player in the commercial insurance industry, offering customizable business insurance policies. They are known for their extensive experience and a broad portfolio that includes commercial auto insurance, liability coverage, and specialized industry solutions.
  • Chubb: Chubb is renowned for its high-end commercial insurance solutions. They cater to businesses of all sizes, offering comprehensive coverage and exceptional customer service. Chubb’s reputation for handling complex risks positions them as a strong competitor in the market.
  • Liberty Mutual: Liberty Mutual is one of the largest property and casualty insurers globally. They offer a wide array of commercial insurance products, including general liability, workers’ compensation, and commercial auto insurance. Their vast network and financial strength make them a prominent competitor.
  • CNA: CNA is a leading commercial insurance provider, offering specialized solutions for various industries, such as healthcare, construction, and technology. Their focus on risk management services and tailored coverage sets them apart in the industry.
  • State Farm: While primarily known for personal insurance, State Farm also offers commercial insurance options for small businesses. Their competitive rates and extensive agent network give them an edge in the small business insurance market.
  • Progressive Commercial: Progressive is a notable competitor, especially in the commercial auto insurance sector. They provide coverage for commercial vehicles, making them a go-to choice for businesses with a strong emphasis on transportation.
  • Allstate Business Insurance: Allstate offers a range of business insurance solutions, including property, liability, and workers’ compensation coverage. Their brand recognition and comprehensive offerings position them as a competitor in the commercial insurance space.

Normandy Insurance Company competes in this landscape by offering tailored solutions, competitive rates, and a customer-centric approach to stand out among its peers.

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Normandy Insurance Company Claims Process

Ease of Filing a Claim

Normandy Insurance Company offers multiple convenient options for filing insurance claims. Customers can file claims online through their user-friendly website, over the phone by speaking with a customer service representative, or via their mobile app. This flexibility ensures that policyholders can choose the method that suits them best, making the claims process hassle-free.

Average Claim Processing Time

Normandy Insurance Company is committed to providing efficient claim processing services. While specific processing times may vary depending on the nature and complexity of the claim, they strive to handle claims promptly. Policyholders can expect timely assessments and resolutions, minimizing any disruptions to their business operations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential for evaluating an insurance company’s performance in claim resolutions and payouts. Normandy Insurance Company has garnered positive reviews from satisfied policyholders who appreciate their fair and efficient claim settlements.

Normandy Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Normandy Insurance Company’s mobile app is a valuable tool for policyholders. It offers a range of features and functionalities designed to enhance the user experience. With the app, customers can easily access policy information, submit claims, view payment history, and receive important updates in real-time. The intuitive interface ensures that users can navigate the app effortlessly.

Online Account Management Capabilities

Normandy Insurance Company provides robust online account management capabilities through their website. Policyholders can log in to their accounts to view and manage their policies, make payments, and track claims. The user-friendly online portal offers a seamless experience, allowing customers to stay in control of their insurance affairs.

Digital Tools and Resources

In addition to their mobile app and online account management, Normandy Insurance Company offers a variety of digital tools and resources to assist policyholders. These resources include educational materials, risk management tools, and access to expert advice.

These empower customers to make informed decisions about their insurance coverage and risk mitigation strategies.

Frequently Asked Questions

What types of insurance does Normandy Insurance Company offer?

Normandy Insurance Company offers a wide range of insurance options, including workers’ compensation, general liability, commercial auto, property insurance, and commercial umbrella policies. They also provide additional coverage options to meet the unique needs of businesses.

How can I apply for insurance coverage from Normandy Insurance Company?

Applying for coverage from Normandy is straightforward. You can reach out to their team, and they will guide you through the application process, helping you select the right policy for your business.

What sets Normandy apart from other insurance providers?

Normandy distinguishes itself through its extensive experience, customer-centric approach, and financial stability. They offer competitive rates, tailor-made solutions, and efficient claims processing, making them a trusted choice for businesses.

Are there any discounts available for Normandy’s insurance policies?

Yes, Normandy often offers discounts to help businesses save on insurance costs. These discounts may include multi-policy discounts, safety and training discounts, claims-free discounts, group discounts, and more. The availability of specific discounts may vary based on your location and policy choices.

How do I contact Normandy Insurance Company for more information?

You can easily reach Normandy Insurance Company through their website, contact them by phone, or visit one of their local offices. Their dedicated team is ready to assist with your insurance inquiries and provide you with detailed information on their offerings and services.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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