Insurer guide
NormanMax Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote NormanMax. This page lists the NormanMax coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by NormanMax. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention NormanMax if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
NormanMax coverage and states available through our agency
The table shows each NormanMax coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Parametric Hurricane | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Parametric Multi-Peril | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Excess Flood | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Terrorism Liability | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a NormanMax quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether NormanMax is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Vortex, Recoop, Kelly Klee, Neptune, Wright Flood, Aon Edge.
Who NormanMax is
NormanMax is a parametric insurance and reinsurance group. A parametric policy pays when a defined event, such as a hurricane of a set strength, meets the policy's trigger. The group has three main parts:
- NormanMax Insurance Holdings, Inc., the holding company.
- NormanMax Insurance Solutions (NMIS), an approved Lloyd's coverholder.
- NormanMax Syndicate 3939 at Lloyd's, managed by Apollo Syndicate Management.
CEO Bradley Meier founded Universal Insurance Holdings and co-founded New Paradigm. The 2023 release placed NormanMax in Fort Lauderdale, Florida. A 2025 release was datelined Miami.
NormanMax has grown by acquisition as well as by launching new products. Its 2025 purchase of FloodFlash added a London-based parametric flood MGA that is itself a Lloyd's coverholder.
Who issues NormanMax policies
NormanMax Syndicate 3939 at Lloyd's provides the capacity, according to Insurance Canada in 2025. We didn't check Lloyd's market ratings.
Because the policy is written through Lloyd's, your declarations page should name the syndicate. Ask your agent how the policy is placed in your state.
Syndicate 3939 carries the NormanMax name and is managed by Apollo Syndicate Management. NMIS, the group's coverholder, is a separate entity. Ask your agent who the broker of record is and how claims are handled.
What NormanMax sells
According to a First Connect launch session, NormanMax offers parametric hurricane and earthquake cover. It's available for commercial and residential property. Key features:
- No deductible.
- Agents choose the triggers.
- The cover is aggregate.
- Policies bind immediately.
The First Connect carrier directory files NormanMax under "Excess Flood." It lists all 50 states plus DC. NormanMax also writes parametric reinsurance and embedded parametric products. It sells through brokers and distributors.
NormanMax news, 2023 to 2026
- December 21, 2023: in-principle approval for Syndicate 3939.
- May 22, 2024: the syndicate launched.
- August 21, 2024: launched "Hurricane PM" parametric reinsurance for North and South Carolina.
- February 26, 2025: agreed to buy FloodFlash, a London parametric flood MGA. Completion was announced May 20, 2025.
- March 14, 2025: extended its hurricane platform to Puerto Rico commercial risks.
- Through May 7, 2026: new hires and appointments, including a Syndicate 3939 advisory board chair.
Insurance Insider also reports NormanMax bought New Paradigm Underwriters. No date was shown.
How NormanMax's parametric cover differs from flood insurance
A traditional flood or wind policy pays based on your actual damage. An adjuster looks at the loss, and your deductible applies. NormanMax's product works another way.
With parametric cover, the policy pays when the event meets the trigger your agent selected. There's no deductible, according to First Connect. That can make money available faster after a storm or earthquake.
The trade-off is basis risk. Your actual damage may be higher or lower than the payout. The First Connect carrier directory files NormanMax under "Excess Flood," but it's not a standard flood policy. Treat it as an extra layer of protection on top of your main coverage.
What to check before you buy NormanMax
- The trigger. Ask what event and measurement set off a payment, and which data source decides it.
- The payout. A parametric payment may not match your actual damage. Choose an amount that fits your exposure.
- Aggregate limit. Ask how the aggregate works if more than one event hits in a policy term.
- Your other coverage. Use this alongside your property or flood policy, not instead of it.
- Placement. Confirm the syndicate on your policy.
Sources for the sections above: InsuranceNewsNet / Business Wire: NormanMax gains Lloyd's approval for Syndicate 3939 (2023); Insurance Canada: NormanMax completes FloodFlash acquisition (2025) (secondary); Reinsurance News: NormanMax Insurance Holdings tag page (secondary); Insurance Business: NormanMax parametric reinsurance for the Carolinas (2024) (secondary); First Connect: NormanMax launch session (secondary); First Connect carrier directory: NormanMax (secondary).
How to verify an insurer or agency
Before buying through any website or app, confirm who is selling you the policy and who will issue it:
- Find the licensed agency or insurer named in the site's footer, terms, or license page.
- Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
- Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
- Save the insurer's name and policy number once issued, since that is who handles claims.
A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.
What an independent agency does
An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.
Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.
Questions to ask before you buy
- Which insurer issues the policy, and is it licensed in my state?
- What are the limits and deductibles, and what’s excluded?
- Which discounts were applied, and which ones weren’t?
- How do I report a claim, and is there a 24-hour line?
- What happens if I miss a payment, and is there a grace period?
- Can I get the full quote, including all fees, in writing before I pay?
Sources for the sections above: NAIC: Consumer Insurance Search; National Insurance Producer Registry.
NormanMax FAQs
Can Blake Insurance Group quote NormanMax?
Yes. Our agency currently has access to quote NormanMax for the coverage types and states listed on this page. Access can change, and NormanMax decides whether to offer a policy.
Which states can you quote NormanMax in?
Of the 24 states where we are licensed, we can currently quote NormanMax in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare NormanMax with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. NormanMax decides eligibility, pricing and whether to issue a policy.
Trademarks. NormanMax and other company names are trademarks of their owners. This page is not published or endorsed by NormanMax.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check NormanMax and other options available to you.