Norman Heinrich

Norman Heinrich is a Private Flood Advisor at Tokio Marine Highland. From 2022 to 2025, Heinrich served as Chief Executive Officer, and in 2025, celebrated the milestone of achieving 30 years of flood underwriting excellence with the company.

Prior to being named CEO of Tokio Marine Highland, Heinrich held the position of Chief Underwriting Officer, where he was responsible for coordinating underwriting relationships between Tokio Marine Highland and its parent company, Tokio Marine Kiln, and refining underwriting strategies and procedures to drive profitable growth and business expansion.

Heinrich joined Tokio Marine Highland (formerly WNC Insurance Services) in 1995 to build the company’s Private Flood Division, growing the product line into a market leader with sustained underwriting profitability. He has deep expertise in developing, administering and underwriting flood insurance programs for carriers, wholesalers and reinsurance partners.

Before joining Tokio Marine Highland, Heinrich was the Director of Marketing and Flood operations for Capital Assurance Services Inc., a wholly owned subsidiary of the Skandia Companies.

Norman holds a degree in accounting from Florida International University and is a licensed property and casualty, and surplus lines insurance agent.