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Steel Fabricators & Erectors Insurance Program ...lable in all states?Yes, the Steel Fabricators & Erectors Insurance Progra...

Concrete Industry Insurance: Ready Mix Workers Compensation Insurance NORMAN-SPENCER AGENCY – Pumpro & Ready Mix Insurance Program Specialty Workers Compensation Insurance for the Concrete Industry Norman-Spencer Agency’s Pumpro & Ready Mix Insurance Program is built specifically for businesses in the concrete sector — including ready mix producers, haulers, and concrete pumping contractors. With more than three decades of focused experience, Norman-Spencer underwrites the workforce exposures common to concrete operations and helps agents place stable Workers Compensation coverage alongside complementary lines. Ideal Accounts and Appetite This program is intended for agents placing Workers Compensation for concrete delivery and pumping operations. Typical fits include: Ready mix concrete producers and local/regional haulers Concrete pumping contractors and placement crews Operations with owned or leased mixers, pumps, and specialized equipment Accounts that need a combined solution (Workers Comp plus GL, Auto, Property) You might have a client with a fleet of ready mix trucks, multiple job-site crews, or a growing pumping division — this program is set up to address the common injury and fleet risks those operations face. Coverage Highlights and Program Features A.M. Best "A" rated carrier appetite through multiple markets Industry-specific loss control and safety resources tailored to concrete and pumping operations Nationwide claims support and experienced adjusters familiar with concrete exposures Fast quote turnaround and flexible underwriting options Ability to package Workers Compensation with General Liability, Auto, Property, Inland Marine, and Contractor’s Equipment Underwriting and Market Access Norman-Spencer partners with multiple carriers to offer both admitted and non-admitted placements depending on state and account specifics. Underwriting focuses on fleet safety, crew training, equipment maintenance, and loss history. While the program is broad, substandard loss experience, uncontrolled hot-mix placement, or unusually high proportions of subcontracted labor may require special handling or referral. Nationwide Availability The Concrete Ready Mix Workers Compensation Insurance program is available across all 50 states and DC. Norman-Spencer can place accounts in admitted or non-admitted markets as appropriate for the insured’s location and risk profile. Why Partner With Norman-Spencer? Norman-Spencer Agency brings deep, niche expertise in concrete and construction programs. Agents benefit from dedicated underwriting that understands mixer fleets, pump operations, and the real-world exposures crews face. The program is designed to be responsive — fast quotes, practical loss control guidance, and access to multiple A-rated markets to help place accounts that may not fit standard carrier appetites. Example Accounts Regional ready mix supplier with 15 mixer trucks, in-house maintenance, and three batch plants seeking a combined Workers Comp and Auto package. Concrete pumping contractor that operates five boom pumps and several placement crews, looking for specialized loss control support and a responsive claims network. To explore additional industry-specific programs, visit www.norman-spencer.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for ready mix concrete suppliers, concrete pumpers, and contractors who operate mixers, 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 policy or bundled with General Liability, Auto, Property, Inland Marine, and Contractor’s Equipment to create a broader package. Are there geographic restrictions for this program?No. The program is available nationwide, including all 50 states and Washington, DC. Placements may be admitted or non-admitted depending on the state and carrier options. What carriers does Norman-Spencer work with for this program?Norman-Spencer works with multiple markets, all A.M. Best "A" rated or better, to provide competitive options and flexible market access for agents. How quickly can I get a quote?The program offers quick quote turnaround. Required submission details vary by account but most standard-ready mix and pumping accounts receive prompt responses from underwriting. Need help placing an account? Connect with a market specialist.

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.

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.

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.