Crane & Rigging Auto Insurance

Norman-Spencer Agency Crane & Rigging Insurance Program

Norman-Spencer, through its JC Stevens division, offers a focused Crane & Rigging program tailored for agents placing crane operators, riggers and construction service contractors. We act as program underwriter, manager, and administrator to deliver targeted liability, auto and inland marine solutions that address common crane and heavy equipment exposures.

Overview

This program combines General Liability, Auto, Inland Marine and Umbrella options to protect operations that own, operate, rent or rig cranes and related equipment. Coverage is structured to support on-hook exposures, over-the-road exposures, and the physical damage and cargo risks that arise in crane and rigging work.

Ideal Accounts and Appetite

Agents can consider this program for a wide range of crane and rigging classes, including:

• Mobile crane operations (with or without operators)
• Crane equipment rental and boom truck fleets
• Steel erection contractors, millwrights and tower crane/TV-radio tower contractors
• Waste haulers, heavy equipment operators, and well drilling contractors with lifting exposures
• Motor truck cargo and builder’s risk classes with incidental crane use

The program will accommodate incidental exposures such as man-baskets and substitute equipment. Typical restrictions include accounts with severe loss histories, known defect-prone equipment where repairs are deferred, or operations lacking documented operator qualifications—these may require additional underwriting review.

Coverage Highlights and Advantages

Key features designed for agent efficiency and insured protection:

• General Liability: mobile equipment included under GL; blanket Additional Insured and Waiver of Subrogation; primary & non-contributory wording; per-project aggregate available
• Auto: separate auto policy option for ID cards and filings, with on-hook and over-the-road coverages
• Inland Marine: physical damage for boom trucks and equipment, overload and boom collapse coverage, leased/rented equipment, bailees and riggers liability, motor truck cargo
• Umbrella/Excess: flexible layers up to $5 million to wrap primary limits
• Automatic Inland Marine enhancements for tools, crane attachments, rental reimbursement and newly acquired equipment
• Stop-gap coverage available for monopolistic states

Underwriting Notes and Minimum Premiums

• Required submission items: completed Markel supplemental, experience form, MVRs for each driver/operator, ACORDs for requested lines, equipment schedule (year/make/model/value), contracts/work tickets (if applicable), and 3–5 years of loss runs.
• Minimum premiums: General Liability minimum premium of $5,000; Inland Marine minimum premium of $1,000.
• Underwriters will review operator qualifications, maintenance records and loss history closely—provide detailed equipment lists and any operator training documentation to help expedite placement.

Territories and Availability

This program is available in all 50 states and Washington, DC, with access to both admitted and non-admitted markets to meet varied placement needs.

Why Place This Business With Norman-Spencer

Norman-Spencer brings more than 15 years of specialized experience in crane and rigging accounts. As program administrators and underwriters, we combine technical underwriting with fast service for retail agents. We prioritize clear contract wording, timely auto filings, and practical solutions for on-hook and over-the-road risks. We routinely write business for agents who need responsive quoting and issuance.

You might have a client who rents boom trucks to multiple contractors and needs physical damage plus commercial GL with on-hook exposure—this program is structured to provide those limits and the necessary inland marine protection. Another common fit is a small crane operator with a fleet of mobile cranes, requiring combined GL, auto and inland marine coverage with umbrella limits.

Submissions can be faxed to 215.368.6023 or emailed to [email protected]. We can quote, bind and issue policies SAME DAY!