CIS - Construction Insurance Solutions
EASY & FAST Insurance Solution for Trade Contractors
General Liability & Umbrella Insurance
OVERVIEW OF THE PROGRAM FROM NORMAN-SPENCER AGENCY
The Construction Insurance Solutions (CIS) program from Norman-Spencer Agency, Inc. is designed to meet the unique liability coverage needs of residential and commercial artisan contractors—especially those operating in states with high Construction Defect litigation. This streamlined, broker-friendly program provides access to General Liability and Excess/Umbrella coverage through a highly rated national non-admitted carrier. Additional options such as property and auto coverages are also available for qualifying risks.
IDEAL ACCOUNTS AND APPETITE
This program is specifically tailored for a variety of trade contractors with artisan-level operations. Ideal accounts include:
• Concrete Contractors
• Drill Contractors
• Electrical Contractors
• Fire Suppression (Sprinkler) Contractors
• HVAC & Plumbing Contractors
• Land Improvement and Landscape Contractors
• Pool Contractors
• Roofing Contractors
• Street, Road & Bridge Contractors
• Underground Utility Contractors
If you have clients bidding on mid-sized commercial jobs, managing multiple subcontractors, or working in litigation-prone states like CA or NV, this program may be a great fit.
COVERAGE HIGHLIGHTS AND ADVANTAGES
The CIS program offers robust liability protection with several tailored enhancements that contractors value:
• Blanket Additional Insured endorsements (including full products)
• Per Job Aggregate limits
• Blanket Waiver of Subrogation
• Employer Benefits Liability
• Labor Reimbursement enhancements
• Limited Worksite Pollution Liability
• Umbrella/Excess limits available up to $25M (quote required)
UNDERWRITING NOTES AND SUBMISSION REQUIREMENTS
To streamline quoting, please submit the following:
• Completed ACORD applications
• Program-specific supplemental application signed by agent and insured
• 3–5 years of currently valued loss runs, including details of claims over $10K
• Two-year job history
• Expiring declaration page and rating worksheet
TERRITORIES AND AVAILABILITY
The CIS program is available in most U.S. states, including CA, TX, FL, NY, IL, and over 45 others. Norman-Spencer maintains open distribution and market access across all available territories.
WHY WORK WITH NORMAN-SPENCER?
With decades of experience in contractor insurance, Norman-Spencer Agency brings deep underwriting expertise and access to top-tier markets. This program is backed by an A-rated non-admitted carrier with strong contractor-specific appetite. Whether you're placing a new venture electrician or a roofing contractor with a complex claims history, this program gives you flexible solutions and responsive service.
Explore more of our tailored offerings at www.norman-spencer.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for artisan trade contractors such as electricians, roofers, HVAC contractors, and concrete or underground utility contractors—especially in states with high litigation exposure.
Is this program available nationwide?
It is available in most U.S. states, including CA, TX, FL, NY, and more. Please refer to the full list or contact Norman-Spencer for state-by-state availability.
What limits are available under the umbrella coverage?
Umbrella and Excess Liability limits are available up to $25 million, depending on underwriting review. A submission is required for a formal quote.
Is this an admitted or non-admitted program?
The program is written through a national non-admitted carrier, allowing for more flexible underwriting in complex or higher-risk jurisdictions.
What is required to get a quote?
You’ll need to submit ACORD forms, a signed supplemental application, recent loss runs, a 2-year job list, and expiring policy documents.
Need help placing an account? Connect with a market specialist.