Norman Assurance Assoc
Norman Assurance Assoc (dba Atlantic Insurance & Benefits) is a privately held independent insurance agency in coastal Maine operating three offices (Belfast, Deer Isle, South Thomaston) and a 16-person team that places personal, commercial, employee benefits, marine, and workers' comp policies through more than 20 carriers for individuals, small businesses, and employers.
- Company typePrivate
- Founded-
- HeadquartersBelfast, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Norman Assurance Assoc does
Norman Assurance Assoc operates a traditional independent insurance agency under the trade name Atlantic Insurance & Benefits, with its principal base in South Thomaston, Maine and additional offices in Belfast (headquarters, 58 High Street) and Deer Isle (Spencer Office). The firm was previously known as Norman Assurance and now operates as Atlantic Insurance & Benefits, representing it as a privately held, locally owned brokerage. Across three physical locations, a team of 16 staff, including Owner Mike Giles and Operations Manager Bridget Winslow, delivers personalized, sales-led service to individual consumers, small and mid-sized businesses, and employers across coastal Maine.
The agency offers three core service lines — Personal Insurance, Commercial Insurance, and Employee Benefits — supplemented by two specialty niches: Marine Insurance (including lobster boat/workboat and high-performance boat programs with up to $1M liability limits) and Workers' Compensation. Personal lines cover homeowners, auto, umbrella, flood, boats/yachts, motorcycles, life, health, disability, long-term care, and dental. Commercial lines span business owners policies, commercial packages, fleet, employment practices liability, D&O, marine, surety bonds, and income properties. To source these products, the agency represents more than 20 insurance carriers including regional mutuals (Acadia, MMG, Vermont Mutual, Patriot, Andover, Concord Group, Providence Mutual, Ohio Mutual, Country Way, Patrons, MSA Group, Safety), national carriers (Hartford, Liberty Mutual, Travelers, Progressive, Farmers, Hanover, Safeco, Bristol West, National General, MAPFRE), and specialists (Eastern Alliance and MEMIC for workers' comp; Wright Flood for flood; Foremost for specialty; Hagerty for collector vehicles).
The business model is commission-based, with revenue earned on policies placed and renewed through the carrier network. All quoting and binding is performed personally by agents via phone, online form, or in-office appointment; the firm explicitly does not offer automated online quote generation. The firm has no disclosed technology platform, no APIs or integrations, no proprietary software, and no AI/ML capabilities — operations run on standard industry agency management systems and direct carrier portals. The go-to-market motion is sales-led and relationship-driven, with marketing limited to a website, social media profiles (Facebook, Twitter/X, LinkedIn), and word-of-mouth in the coastal Maine communities it serves. The firm is actively operating, privately held, with no disclosed funding, parent company, M&A, or leadership transition activity in the supplied data.
Norman Assurance Assoc firmographics
Firmographics- Name
- Norman Assurance Assoc
- Legal name
- Atlantic Insurance & Benefits
- Website
- https://normanassurance.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Norman Assurance Assoc (dba Atlantic Insurance & Benefits) is a privately held independent insurance agency in coastal Maine operating three offices (Belfast, Deer Isle, South Thomaston) and a 16-person team that places personal, commercial, employee benefits, marine, and workers' comp policies through more than 20 carriers for individuals, small businesses, and employers.
- Ownership category
- akta.pro rank
Norman Assurance Assoc industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Marine Specialty (Hull/P&I/Cargo) (FSAJAGAJ)
- akta.pro secondary industries
- Yacht & Pleasure Craft Insurance (FSAJAHAI), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)
Keywords
Where Norman Assurance Assoc is headquartered
LocationHeadquarters
- HQ city
- Belfast
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Norman Assurance Assoc business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Insurance Agency Commissions: The agency earns commissions from insurance carriers for policies placed. They represent over 20 insurance carriers in Maine, earning commissions on each policy sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing for all insurance products |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Norman Assurance Assoc product offering
Product offeringCore offering
Atlantic Insurance & Benefits is an independent insurance brokerage that places personal, commercial, employee benefits, marine, and workers' compensation policies for Maine residents and businesses. As a broker it represents more than 20 insurance carriers and matches customers to the right carrier through personalized agent-led service rather than online automation. The agency is distinguished by its specialized marine and lobster boat insurance programs tailored to coastal Maine's fishing and maritime industries.
Product overview
Atlantic Insurance & Benefits is a full-service insurance agency offering a unified portfolio of personal and commercial insurance products. The core offering consists of three main service lines: Personal Insurance (covering home, auto, life, health, and specialty vehicles), Commercial Insurance (covering business owners, fleets, and professional liability), and Employee Benefits (group health and related workplace coverage). The agency also specializes in two distinct niche products—Marine Insurance (including lobster boat and high-performance boat programs) and Workers' Compensation Insurance—positioned as specialty offerings that leverage local market expertise in Maine's maritime and fishing industries. Rather than a platform-plus-modules architecture, the agency functions as a broker representing over 20 insurance carriers, providing personalized service to match customers with appropriate policies from their carrier network.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Comprehensive personal insurance coverage including homeowners, renters, auto, umbrella liability, flood, boats and yachts, motorcycles, recreational vehicles, individual health, life, disability, long-term care, dental, short-term medical, and special events/weddings for Maine consumers and families.
- Commercial Insurance Business insurance products covering business owners policies, commercial packages, income properties, business auto and fleet coverage, workers' compensation, employment practices liability, directors and officers liability, lobsterboats/workboats, marine insurance, commercial umbrella liability, and surety bonds for Maine businesses.
- Employee Benefits Group health insurance, life, short-term and long-term disability, dental insurance, and group auto discounts for Maine employers and their workforces.
- Marine Insurance Specialized marine insurance covering live-aboards, houseboats, corporate ownership, hard-to-place risks, agreed value and ACV policies, hull coverage, worldwide navigation for luxury yachts, liability-only coverage, charter vessels, sport-fishing boats, lobster boats, and high-performance boats for Maine marine owners and operators.
- Workers' Compensation Insurance Workers' compensation coverage for Maine employers, including premium discounts, employee classification assistance, loss control implementation, experience modification factor calculation, and NCCI claims monitoring.
- Lobster Boat Insurance Program Specialized insurance program for Maine lobster boat owners featuring fast local claim service, physical damage coverage, P&I liability up to $1,000,000, pollution liability coverage, loss of use coverage, and discounted survey rates.
- High Performance Boat Insurance Insurance program for high-performance vessels 26 feet or longer with speeds up to 130 mph, covering V-hulls and catamarans up to 20 years old with liability limits to $1 million.
Companies that use Norman Assurance Assoc
Customer profileSegments3 records
Ideal customer profiles3 records
Norman Assurance Assoc technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Norman Assurance Assoc partnerships and signals
Strategic signalPartnerships
27 partnerships are on record, tiered core.
- Acadia InsurancecoreRegional insurance carrier represented by Atlantic Insurance. Provides auto, home, and business insurance products. Claims: 800-773-4300, Pay: 800-870-1170.
- Andover CompaniescoreInsurance carrier represented for various coverage types. Claims: 800-225-0770.
- Bristol WestcoreAuto insurance carrier. Claims: 800-274-7865, Pay: 888-888-0080.
- Concord Group InsurancecoreRegional insurance carrier. Claims: 800-482-7443, Pay: 800-584-1223.
- Country WaycoreInsurance carrier represented. Claims: 800-828-6862, Pay: 315-634-5200.
- Eastern AlliancecoreWorkers compensation specialist. Claims: 800-336-3658, Pay: 855-533-3444.
- Farmers InsurancecoreNational insurance carrier. Pay: 800-854-6011.
- Foremost InsurancecoreSpecialty insurance carrier. Auto Claims: 800-527-3907, All Other Claims: 800-527-3907.
- HagertycoreClassic and collector vehicle insurance specialist. Claims: 800-385-0274, Pay: 877-922-9701.
- Hanover Insurance GroupcoreCommercial and personal insurance carrier. Claims: 800-628-0250, Pay: 800-573-1187.
- HartfordcoreNational insurance carrier. Claims: 800-243-5860, Pay: 877-896-9320.
- Liberty MutualcoreNational insurance carrier. Claims: 800-225-2467, Pay: 800-225-8285.
- MAPFRE InsurancecoreRegional/national carrier. Claims: 877-224-5677, Pay: 877-MAPFRE1.
- MEMICcoreWorkers compensation specialist for Maine employers. Claims: 800-636-4292, Pay: 800-660-1306.
- MMG InsurancecoreRegional insurance carrier. Claims: 800-343-0533, Pay: 888-664-2455.
- MSA GroupcoreInsurance carrier. Claims: 877-425-2467, Pay: 800-611-0958.
- National GeneralcoreAuto and home insurance carrier. Claims: 800-468-3466, Pay: 866-675-3669.
- Ohio Mutual Insurance GroupcoreRegional mutual insurance company. Claims: 888-895-7725, Pay: 877-699-7364.
- Patrons InsurancecoreInsurance carrier. Claims: 800-542-7032, Pay: 877-796-6803.
- Patriot Insurance CompanycoreRegional insurance carrier. Claims: 866-460-1776, Pay: 844-488-9777.
- ProgressivecoreMajor national auto insurance carrier. Claims: 800-776-4737.
- Providence MutualcoreRegional mutual insurance carrier. Claims: 877-763-1800.
- SafecocoreLiberty Mutual subsidiary for personal insurance. Claims: 800-332-3226, Pay: 888-723-3260.
- Safety InsurancecoreMassachusetts-based insurance carrier. Claims/Pay: 800-951-2100.
- TravelerscoreMajor national insurance carrier. Claims: 800-252-4633, Pay: 800-842-5075.
- Vermont MutualcoreRegional mutual insurance carrier. Claims: 800-435-0397, Pay: 800-231-7820.
- Wright FloodcoreFlood insurance specialist. Claims: 800-820-3242, Pay: 800-725-9472.
Scale indicators3 records
Recent moves4 records
Expansion highlights3 records
Norman Assurance Assoc competitors and assessment
Company assessmentBroad incumbents
- AssuredPartners: National insurance brokerage with regional offices across the U.S. Active acquirer of mid-sized independent agencies; competes for the same multi-line agency business and represents a potential acquirer of the subject.
- Cross Insurance: Largest independent insurance agency headquartered in Bangor, Maine with 40+ offices across New England. Direct comparable as a multi-line Maine agency, but significantly larger in scale and footprint; serves overlapping coastal and small-business customer base.
- Brown & Brown Insurance: National insurance brokerage with regional offices including New England presence. Comparable multi-line personal/commercial/employee benefits brokerage model, though at vastly larger scale and broader geographic reach.
- Hub International: Large North American insurance brokerage with a New England regional office. Competes for the same multi-line personal/commercial/employee benefits business and is an active acquirer of agencies similar in profile to Atlantic Insurance & Benefits.
Others
- Acadia Insurance: Regional New England carrier (a partner Atlantic represents) that writes auto, home, and business insurance. Not a direct competitor, but an upstream carrier relationship that defines the agency's product shelf and economics.
- Wright Flood: Flood insurance specialist carrier (NFIP Write-Your-Own) represented by Atlantic. Not a competitor, but a specialty partner that enables the agency to address coastal Maine flood exposure.
- MEMIC: Maine Employers' Mutual Insurance Company — specialty workers' compensation carrier represented by Atlantic for Maine employers. Not a competitor but a defining carrier partner for the agency's commercial workers' comp practice.
- MMG Insurance: Maine-based regional insurance carrier represented by Atlantic. An upstream carrier partner rather than competitor; relevant context as MMG's regional appetite shapes what Atlantic can offer Maine customers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Norman Assurance Assoc social profiles
Digital presenceNorman Assurance Assoc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Norman Assurance Assoc leadership team
Management profileNumber of profiles
Profiles6 records
Norman Assurance Assoc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Norman Assurance Assoc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Norman Assurance Assoc
What does Norman Assurance Assoc do?
Atlantic Insurance & Benefits is an independent insurance brokerage that places personal, commercial, employee benefits, marine, and workers' compensation policies for Maine residents and businesses. As a broker it represents more than 20 insurance carriers and matches customers to the right carrier through personalized agent-led service rather than online automation. The agency is distinguished by its specialized marine and lobster boat insurance programs tailored to coastal Maine's fishing and maritime industries.
Is Norman Assurance Assoc a public or private company?
Norman Assurance Assoc is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Norman Assurance Assoc founded?
Norman Assurance Assoc was founded in -1. It employs 1 to 10 people.
Where is Norman Assurance Assoc based?
Norman Assurance Assoc is headquartered in Belfast, United States, in the North America region.
How does Norman Assurance Assoc make money?
One revenue line is on record: insurance Agency Commissions.
Who are Norman Assurance Assoc's main competitors?
Broad incumbents on record are AssuredPartners, Cross Insurance, Brown & Brown Insurance and Hub International. Others are Acadia Insurance, Wright Flood, MEMIC and MMG Insurance.
Does Norman Assurance Assoc have an API?
No public API is recorded for Norman Assurance Assoc.
What industry is Norman Assurance Assoc in?
Norman Assurance Assoc's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAJAGAJ, Marine Specialty (Hull/P&I/Cargo), with a secondary code of FSAJAHAI, Yacht & Pleasure Craft Insurance. Its NAICS code is 524210 and its SIC code is 6411.