Search CompleteMarkets

Concrete Industry Insurance: Ready Mix Worker...pumps, and related equipment in the concrete construction industry. Is Workers Compensation coverage available as a standalone option?Yes. Workers Compensation can be written as a standalone ...

Concrete Industry Insurance: Ready Mix Excess... claims service—all tailored to the concrete industry. How quickly can I get a...

...am also supports classes such as concrete, electrical, fire suppression, HVAC,...

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.

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.