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Steel Fabricators & Erectors Insurance Program Program Overview The Norman-Spencer AllSteel™ Insurance Program is built specifically for structural and non-structural steel fabricators and steel erection contractors. Since 1985, Norman-Spencer Agency, Inc. has specialized in coverages for the steel construction trades. This program addresses the routine and catastrophic liability exposures these firms face, and is structured to give agents flexible placement options across admitted and non-admitted markets. Ideal Accounts and Appetite This program is appropriate for a broad range of steel contractors, including: Structural steel fabricators Non-structural / miscellaneous metal fabricators Steel erection contractors Welding, rigging, and related specialty operations Norman-Spencer prefers accounts with documented safety programs, experienced management, and stable loss histories. The program can scale from small shop operations to larger contractors working on commercial, industrial, or infrastructure projects. High-rise or unusually high-hazard work may be considered but will receive stricter underwriting review. Coverage Highlights and Advantages General Liability tailored for construction operations Umbrella / Excess Coverage to extend limits above primary liability Property coverage for owned locations and tools Auto Liability for business vehicles and truck fleets Inland Marine for tools, equipment, and mobile property Key advantages for agents and brokers: Fast quote turnaround to help you compete and close business Access to multiple A.M. Best "A+" carriers across admitted and non-admitted markets Local claims service and responsive underwriting support Nationwide availability across all 50 states and D.C. Dedicated team with decades of focus on steel trades Underwriting Notes The AllSteel™ program is offered through both admitted and non-admitted markets to give you placement flexibility. Underwriters evaluate each submission on scope of work, jobsite controls, safety practices, and loss history. Typical considerations include project size, working at heights exposures, welding hot-work procedures, and use of subcontractors. Umbrella coverage is intended to provide excess limits over primary liability policies. Available terms and attachment points vary by carrier and account profile — discuss options with Norman-Spencer’s underwriting team for cases that require higher or specialized limits. Example Accounts That Fit A regional steel fabricator supplying structural steel and performing onsite erection for commercial buildings with a strong safety program and few prior losses. A mid-size erection contractor that performs bridge work, uses certified riggers, and needs excess limits to respond to larger third-party liability exposures. Territories and Availability The AllSteel™ program is available nationwide, including all 50 states and the District of Columbia. Norman-Spencer places business in both admitted and surplus lines markets, depending on the client’s needs and regulatory requirements. Why Work With Norman-Spencer? Norman-Spencer Agency, Inc. brings nearly four decades of focused experience in the steel construction space. Agents benefit from market access to top-rated carriers, quick response times, and a claims-oriented service model. Whether you’re placing a small fabrication shop or a multi-state erection contractor, Norman-Spencer provides underwriting expertise and placement options to protect your clients’ operations. Contact Norman-Spencer www.norman-spencer.com [email protected] 866.930.5570 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include structural and non-structural steel fabricators, commercial and industrial erection contractors, and operations that perform welding and rigging. Preference is given to contractors with documented safety protocols and stable loss experience. Is this program available in all states?Yes. The AllSteel™ program is available in all 50 states and the District of Columbia, with placements through both admitted and surplus markets as appropriate. Can this program accommodate both small and large contractors?Yes. Norman-Spencer handles a range of account sizes—from local fabrication shops to multi-state contractors—by leveraging multiple carrier options and flexible excess placements. What carriers are used in this program?The program is backed by multiple A.M. Best "A+" rated carriers. Norman-Spencer places business in both admitted and non-admitted markets depending on the account’s needs. How quickly can I get a quote?Norman-Spencer offers quick quote turnaround. Provide complete submission details to expedite underwriting review and improve chances of a fast response. Need help placing an account? Connect with a market specialist.

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