CIS - Construction Insurance Solutions
FAST & EASY General Liability Insurance for Electrical Contractors
Program Overview from Norman-Spencer Agency
Norman-Spencer Agency’s Construction Insurance Solutions (CIS) program offers a streamlined General Liability and Umbrella/Excess coverage solution tailored for electrical contractors. With the U.S. electrical contracting industry experiencing consistent growth—comprising over 60,000 mostly small, privately held firms—this program is designed to meet the unique insurance needs of residential and commercial artisan contractors.
Underwritten by a national non-admitted XV+ carrier, this program is ideal for agents and brokers working in states with Construction Defect litigation exposure. Additional lines such as property and auto are also available, providing flexibility and broad protection for your contractor clients.
Ideal Accounts and Appetite
This program is built for licensed electrical contractors performing residential, commercial, or mixed-use work. It is a strong fit for firms with a clean loss history, proper safety protocols, and a history of quality workmanship.
You might have a client who specializes in wiring new single-family homes or another who installs lighting and power systems in small commercial buildings—both are likely ideal candidates for this program.
Coverage Highlights and Advantages
• A+ rated carrier
• Available in all states except Hawaii (referral basis in IL and NY)
• $1M per occurrence / $2M general aggregate
• $1M products aggregate
• $50,000 fire legal liability
• $5,000 medical expense
• $2,500 minimum property damage deductible per occurrence
Special Extensions Available
• Blanket Additional Insured (includes completed ops)
• Per Job Aggregate
• Blanket Waiver of Subrogation
• Employer Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability
• Umbrella limits up to $25M (submit for quote)
Submission Requirements
• ACORD applications
• Signed supplemental application
• Three to five years of loss runs (currently valued)
• Details of any losses over $10,000
• Two-year job list
• Expiring declarations page and rating worksheet
Territories and Availability
This program is available in all U.S. states except Hawaii. General Liability coverage is available on a referral basis in Illinois and New York. Norman-Spencer maintains access to multiple markets across both admitted and non-admitted platforms.
Why Work With Norman-Spencer Agency
Norman-Spencer Agency brings decades of experience in developing and managing specialized insurance programs for the construction trades. The CIS program is built around the needs of artisan contractors working in challenging legal environments and offers flexible, competitive solutions. With open distribution and responsive underwriting, Norman-Spencer makes it easy for you to quote and bind business fast.
To explore the full suite of industry-specific insurance programs offered by Norman-Spencer, visit www.norman-spencer.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential and commercial electrical contractors with clean loss histories and proper licensing are ideal for this program.
Is this program available nationwide?
Yes, it is available in all U.S. states except Hawaii. General Liability is on a referral basis in Illinois and New York.
Are umbrella limits available?
Yes, umbrella coverage is available with limits up to $25 million, subject to underwriting and submission of a quote request.
What paperwork is required to submit a risk?
Required documents include ACORD applications, a signed supplemental application, 3–5 years of loss runs, a 2-year job list, expiring declarations, and rating worksheet.
Can I include Additional Insureds and Waivers of Subrogation?
Yes, blanket Additional Insured endorsements and Waiver of Subrogation options are available within the program.
Need help placing an account? Connect with a market specialist.