CIS - Construction Insurance Solutions
Fast, Reliable General Liability Insurance for Fire Suppression Contractors
Overview of the Program From Norman-Spencer Agency
Norman-Spencer Agency's Construction Insurance Solutions (CIS) program offers tailored General Liability and Umbrella coverage specifically for fire suppression (sprinkler) contractors. Designed to meet the unique needs of these high-risk trade professionals, this program is underwritten by a national A+ rated carrier and is available in most states. With a focus on speed, flexibility, and underwriting expertise, our CIS platform provides a streamlined solution for placing your contractor clients quickly and efficiently.
Ideal Accounts and Appetite
This program is ideal for residential and commercial contractors engaged in fire suppression system installation, inspection, and maintenance. It also fits accounts working in new construction, remodeling, or service-based operations. Contractors operating in states with high construction defect litigation exposure are also a strong match.
• Fire suppression/sprinkler system contractors
• Contractors with clean loss histories or manageable claim profiles
• Both union and non-union shops
• Businesses with multi-state operations (except Hawaii)
Coverage Highlights and Advantages
• A+ rated carrier backing
• General Liability: $1M per occurrence / $2M aggregate / $1M products-completed ops
• Umbrella/Excess limits up to $25M (submit for quote)
• $50,000 Fire Damage Legal Liability
• $5,000 Medical Expense
• $2,500 property damage deductible per occurrence
Special Policy Extensions Available
• Blanket Additional Insured (including completed operations)
• Per Job Aggregate
• Blanket Waiver of Subrogation
• Employer’s Benefits Liability
• Labor Reimbursement coverage
• Limited Worksite Pollution Liability Umbrella
Submission Requirements
• Completed ACORD applications
• Signed supplemental application by insured and agent
• 3–5 years of currently valued loss runs with detail on claims over $10,000
• 2-year job list
• Expiring declarations and rating worksheet
Territories and Availability
This program is available in all U.S. states except Hawaii, with Illinois and New York available on a referral basis. Coverage is written on a non-admitted basis through multiple carriers, providing flexibility for unique or higher-risk accounts.
Why Work With Norman-Spencer Agency?
Norman-Spencer Agency brings deep industry knowledge and a specialized underwriting approach to the fire suppression contractor space. Our CIS program is designed to help agents navigate tough construction markets and win business by offering tailored solutions, A+ rated carriers, and quick turnaround. Whether your client is a new venture or a seasoned multi-state operation, we have the tools to protect their business and help you grow yours.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for fire suppression and sprinkler system contractors working in residential, commercial, or mixed-use environments, including those operating in construction defect-prone states.
Is this program available nationwide?
The program is available in all states except Hawaii. Illinois and New York are available on a referral basis.
What limits and coverage options are available?
Standard General Liability limits include $1M per occurrence and $2M aggregate. Umbrella coverage is available up to $25M, depending on underwriting review.
What carrier backs this program?
The program is underwritten by a national A+ rated non-admitted carrier, ensuring financial strength and claims expertise.
What is required to submit an account?
Agents should provide completed ACORD and supplemental applications, 3–5 years of loss runs, a 2-year job list, and the expiring declarations and rating worksheet.
Need help placing an account? Connect with a market specialist.