CIS - Construction Insurance Solutions
Quick and Reliable General Liability Insurance for Pool Contractors, Spa Dealers & Installers
Overview of the Program from Norman-Spencer Agency
Norman-Spencer Agency’s Construction Insurance Solutions (CIS) program is a specialty offering tailored to residential and commercial artisan contractors, including swimming pool and spa contractors. This program is built for pool dealers, designers, and installers of aboveground and in-ground pools, spas, hot tubs, and saunas. Many of these businesses also offer water testing, cleanings, seasonal openings/closings, and basic repairs.
CIS is underwritten by a national, non-admitted A+ XV-rated carrier and provides a streamlined solution for agents seeking coverage in high-risk or construction-defect-prone states. Coverage options include General Liability, Umbrella/Excess Liability, and more.
Ideal Accounts and Appetite
This program is designed for spa and pool contractors who engage in sales, installation, and maintenance services. Target accounts include:
- Retail pool and spa dealers
- Contractors installing aboveground or in-ground pools
- Companies offering pool cleaning, maintenance, or seasonal services
You might have a client who owns a pool supply and installation business with a service crew that handles both new pool builds and annual closings — this program is likely a strong fit.
Coverage Highlights and Advantages
- General Liability: $1,000,000 per occurrence / $2,000,000 aggregate
- Products Aggregate: $1,000,000
- Fire Damage Legal Liability: $50,000
- Medical Expense Coverage: $5,000
- $2,500 minimum property damage deductible per occurrence
Special extensions are also available, including:
- Blanket Additional Insured (including full products)
- Per Job Aggregate
- Blanket Waiver of Subrogation
- Employer Benefits Liability
- Limited Worksite Pollution Liability Umbrella — up to $25M available (submit for quote)
Underwriting Requirements
- Completed ACORD applications
- Signed supplemental application (insured and agent)
- 3–5 years of currently valued loss runs, with details on any loss over $10,000
- 2-year job list
- Expiring declarations and rating worksheet
Territories and Availability
This program is available in all states except Hawaii. Coverage in Illinois and New York is on a referral basis. The carrier is non-admitted, allowing flexibility in markets with high construction defect exposure.
Why Work with Norman-Spencer
With extensive experience in specialty contractor risks, Norman-Spencer Agency offers open distribution, competitive coverage features, and deep market knowledge. Agents benefit from streamlined submissions, access to A+ rated carriers, and a broad appetite across contractor classes—including pool and spa specialists. Visit www.norman-spencer.com to explore additional program offerings.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors who install and service residential or commercial pools, spas, hot tubs, and saunas. This includes both retailers and installers offering ancillary services like cleaning and seasonal maintenance.
Is this program available nationwide?
The program is available in all states except Hawaii. Illinois and New York are written on a referral basis.
What insurance coverages are included?
The core coverages are General Liability and Umbrella/Excess Liability. Optional coverages and extensions are available, including pollution liability and blanket additional insureds.
What underwriting information is required to submit an account?
Submissions should include completed ACORD forms, a signed supplemental application, 3–5 years of loss runs, a 2-year job list, and expiring policy details.
Why should I work with Norman-Spencer on contractor risks?
Norman-Spencer specializes in construction-related programs and offers access to A+ rated carriers, flexible underwriting, and tailored solutions for artisan contractors in challenging markets.
Need help placing an account? Connect with a market specialist.