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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.

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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.

Concrete Industry Insurance: Ready Mix Excess Insurance NORMAN-SPENCER AGENCY – Pumpro & Ready Mix Insurance Program Overview of the Program From Norman-Spencer Norman-Spencer Agency, Inc. offers a specialized insurance solution for the concrete industry through its Pumpro & Ready Mix Insurance Program. This comprehensive program is designed to meet the evolving needs of ready mix and concrete pumping operations. With over 30 years of industry development, concrete pumping has become the preferred method for high-volume concrete placement, and Norman-Spencer ensures your clients have the right protection in place. Ideal Accounts and Appetite This program is ideal for businesses involved in concrete delivery, ready mix operations, and concrete pumping. Whether your client runs a small regional fleet or a large-scale operation servicing commercial construction projects, Norman-Spencer’s solution can help protect against the unique risks they face. You might have a client operating a fleet of ready mix trucks across multiple job sites, or a concrete pumper who needs coverage beyond their primary limits—this program addresses those exposures. Coverage Highlights and Advantages Norman-Spencer offers a full range of coverages tailored to the concrete industry, including: Excess Liability and Umbrella Coverage General Liability and Auto Liability Workers’ Compensation Property and Inland Marine Contractor’s Equipment and Leased/Rented Equipment Business Income and Building Coverage Additional advantages include: A.M. Best "A" Rated Carriers Industry-specific loss control resources Local claims service for faster response Quick quote turnaround Underwriting Notes and Minimum Premiums The program is accessible through multiple carriers, offering broad market access for agents and brokers. While minimum premiums vary, Norman-Spencer’s underwriting team works closely with producers to evaluate each account on its individual merits. Submissions should include details on fleet size, operations, prior loss history, and desired limits for excess or umbrella coverage. Territories and Availability This program is available nationwide, including all 50 states and Washington, DC. Agents can confidently place ready mix and concrete pumping accounts regardless of location—Norman-Spencer has the reach and carrier relationships to support your business coast to coast. Why Work With Norman-Spencer? Norman-Spencer brings deep expertise in construction-related risks, especially in the concrete and equipment-heavy sectors. Their industry-specific programs are backed by strong carrier relationships, competitive pricing, and responsive service. As an agent, you gain access to a dedicated underwriting team that understands the operational challenges and insurance needs of your concrete-industry clients. To explore all available insurance programs, visit www.norman-spencer.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for ready mix concrete suppliers, concrete pumpers, and related contractors who need tailored insurance including excess liability coverage. Is the program available in all states?Yes, Norman-Spencer’s Concrete Ready Mix Excess Insurance program is available in all 50 states and Washington, DC. What lines of coverage are included?The program includes general liability, auto, property, inland marine, workers’ compensation, umbrella, and excess liability, among others. What makes Norman-Spencer different from other program providers?Norman-Spencer offers industry-specific underwriting, A-rated carriers, fast quote turnaround, and local claims service—all tailored to the concrete industry. How quickly can I get a quote?Norman-Spencer is known for quick quote turnaround, especially when complete underwriting information is provided upfront. Need help placing an account? Connect with a market specialist.

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