Sampling Distributions · Superchallenge problem

An insurer sells $10{,}000$ policies. Independently, each policy produces a claim of $\$1000$ with probability $0.01$ and no claim otherwise. Every policy is charged the same premium. Using the central limit theorem with $z = 1.96$, what is the smallest premium, in dollars and whole cents, for which the probability that total claims exceed total premiums is at most $0.025$?