CIS – Construction Insurance Solutions
EASY & FAST Insurance Solution for Land Improvement Contractors
General Liability & Umbrella Insurance
Program Overview from Norman-Spencer Agency
The Norman-Spencer Agency offers a specialized General Liability and Umbrella program under its Construction Insurance Solutions (CIS) platform, tailored for Land Improvement Contractors. This program provides streamlined access to essential coverages for contractors involved in excavation, irrigation, land grading, drainage, terracing, and other land movement and improvement services.
Many of these contractors operate in rural or remote areas and often transition from agricultural backgrounds into land improvement work. The CIS program is designed to understand and meet the unique risks and operational needs of these small to mid-sized contractors who often work with expensive heavy equipment.
Ideal Accounts and Appetite
This program is a great fit for:
- Independent land improvement contractors performing excavation, drainage, or irrigation system construction
- Contractors working on both commercial and residential projects
- Small to mid-sized operators with significant equipment investments
- Those located in states with higher litigation exposure (available in most U.S. states)
You might have a client who transitioned from farming into excavation and now needs broader liability coverage for grading and drainage jobs—they’d be an ideal candidate for this program.
Coverage Highlights and Advantages
- A+ rated carrier
- General Liability: $1M per occurrence / $2M aggregate
- $1M Products Aggregate
- $50K Fire Damage Legal Liability
- $5K Medical Expense
- $2,500 minimum property damage deductible per occurrence
Special Coverage Extensions Available:
- Blanket Additional Insureds and Waivers
- Per Job Aggregate limits
- Employer’s Benefits Liability
- Labor Reimbursement
- Limited Worksite Pollution Liability
- Umbrella limits up to $25 million (quote required)
Underwriting Requirements
To submit a risk for consideration, please provide the following:
- Completed ACORD applications
- Signed supplemental application from insured and agent
- 3–5 years of currently valued loss runs with details on losses above $10K
- 2-year job list
- Expiring declarations and rating worksheet
Territories and Availability
This program is available in all U.S. states except Hawaii. Business in Illinois and New York is considered on a referral basis. Coverage is written on a non-admitted basis through a national XV+ rated carrier, making it suitable for unique or hard-to-place accounts.
Why Work With Norman-Spencer Agency?
Norman-Spencer brings deep expertise in the construction industry with a focus on niche contractor segments. Through the CIS platform, agents gain access to tailored coverage options, responsive underwriting, and markets that understand contractor exposures. Whether your client is a land improvement specialist or a general artisan contractor, Norman-Spencer can help you compete and win business in a highly competitive marketplace.
Explore our full range of insurance programs at www.norman-spencer.com
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for land improvement contractors engaged in excavation, drainage, irrigation, and land grading work, especially those operating in rural or remote areas.
Is this coverage available in all states?
Yes, it is available in all U.S. states except Hawaii. Business in Illinois and New York is accepted on a referral basis.
What coverage limits are offered through this program?
The General Liability limits include $1 million per occurrence and $2 million aggregate, with options for Excess/Umbrella coverage up to $25 million.
What underwriting information is required for submission?
Submissions must include signed ACORD and supplemental applications, 3–5 years of loss runs, a 2-year job list, and expiring policy documents.
Can this program cover other contractor types?
Yes, the CIS program also supports classes such as concrete, electrical, fire suppression, HVAC, landscaping, roofing, and more.
Need help placing an account? Connect with a market specialist.