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...tions with owned or leased mixers, pumps, and specialized equipment Accounts..., and contractors who operate mixers, pumps, and related equipment in the conc...

...specially those using boom or line pumps, this program offers tailored coverag...all and large, operating boom or line pumps. Multi-state operators and ACPA me...

...pumping contractors (boom and line pumps) Ready-mix concrete delivery servic...ses, and operators using boom or line pumps for commercial or residential proj...

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.

Concrete Industry Insurance: Ready Mix Property Insurance NORMAN-SPENCER AGENCY – Pumpro & Ready Mix Insurance Program Overview of the Program From Norman-Spencer Agency Norman-Spencer Agency, Inc. offers a comprehensive insurance solution tailored specifically for the concrete industry, including ready mix operations and concrete pumping businesses. With over three decades of experience and a deep understanding of the unique risks in this niche, their Pumpro & Ready Mix Insurance Program is designed to protect your clients’ assets, equipment, and operations. Ideal Accounts and Appetite This program is a strong fit for businesses involved in: Ready mix concrete delivery Concrete pumping services Contractors using concrete placement equipment Firms with leased or owned mobile machinery and jobsite tools Whether your client operates a regional concrete pumping service or a fleet of ready mix trucks, this program is designed to address the risks they face daily—like equipment breakdowns, property loss, and jobsite liability. Coverage Highlights and Advantages The Pumpro & Ready Mix Insurance Program offers a wide range of coverages designed to safeguard every part of your client’s operation: Auto Liability & Physical Damage General Liability Property Coverage – Building & Contents Business Income Protection Contractor’s Equipment and Tools Leased/Rented Equipment Inland Marine Workers’ Compensation Umbrella & Excess Liability Rental Reimbursement Key program features include: A.M. Best “A” Rated Carrier Industry-specific loss control Nationwide availability Local claims service Quick quote turnaround Underwriting Notes and Minimum Premiums Norman-Spencer works with a variety of markets, allowing for underwriting flexibility across small to mid-sized operations. While specific minimum premiums may vary, they offer competitive pricing across all available markets. Submissions are reviewed promptly to ensure fast turnaround times for agents and brokers. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Agents across the U.S. can confidently place concrete industry accounts with Norman-Spencer regardless of location. Why Work With Norman-Spencer? Norman-Spencer Agency is a proven leader in industry-specific insurance solutions, offering specialized programs for concrete, construction, environmental, marine, and more. Their dedicated team understands the challenges of your clients’ industries and supports brokers with strong carrier relationships, custom coverage options, and responsive service. Visit www.norman-spencer.com to explore all available programs, or view more concrete-specific solutions through the links below. INDUSTRY-SPECIFIC INSURANCE PROGRAMS Pumpro – Concrete Pumpers Crane Operations Environmental Consultants Hired & Non-Owned Lawyers Ready Mix Pro Real Estate E&O Marina & Boat Dealers Sand & Gravel Schools Steel Erectors Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for ready mix concrete companies, concrete pumping operations, and contractors with heavy equipment and jobsite exposure. Is the program available nationwide?Yes, the program is available in all 50 states and Washington, D.C. What lines of coverage are included?Coverages include general liability, auto, property, contractor’s equipment, inland marine, workers’ compensation, excess liability, and more. How quickly can I get a quote?Norman-Spencer offers quick quote turnaround, depending on submission completeness and account complexity. Do you work with admitted or non-admitted carriers?The program accesses all available markets and works with multiple carriers to find the best fit for each account. Need help placing an account? Connect with a market specialist.

...locations with or without gasoline pumps, stores selling alcohol, and business...is program cover stores with gasoline pumps and food service?Yes, the program includes coverage for canopy and pumps, as well as options for food spoil...

...stalls and repairs compressors and pumps at a chemical processing facility und...ess piping, turbine work, compressors/pumps, millwrights and boiler services w...

...s, pavers, excavator, compressors, pumps and numerous other items of a mobile ...

Working with concrete carries distinct hazards — from slips, falls, and heavy equipment incidents to exposure to flying debris and repetitive-strain injuries. That combination of frequency and severity makes Workers Compensation essential for protecting your clients’ employees and the financial stability of their businesses. Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters. The program is underwritten for concrete contractors and related high-hazard trades, and is structured to help brokers place difficult or unusual accounts confidently — including new ventures, multi-state operations, and distressed or hard-to-place risks. Ideal Accounts and Appetite: Experience MOD of 1.30 or greater High-hazard operations and tough-to-place classes Blue, gray, and white collar labor mixes Businesses participating in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies No prior coverage or new ventures are welcome Multi-state operations — a specialty area Complex or hard-to-place Workers Compensation risks If you represent a concrete contractor who has struggled to obtain coverage because of loss history, multi-state exposure, or operational complexity, this program is designed to provide underwriting flexibility and market access. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions to help you meet deadlines Access to a panel of "A" rated carriers (varies by state) Standalone Workers Compensation placement — no bundled products required Multiple plan options: guaranteed cost, dividend, and retro programs High-deductible programs available to manage premium cost Custom account handling and tailored service for complex placements Integrated Workers Comp solutions to streamline quoting and binding These features are intended to give agents tools to place higher-risk concrete contractors while offering flexible program design to meet insureds’ operational needs. Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large or catastrophic losses Supplemental questionnaire specific to operations and exposures Minimum premium starts at $10,000. Providing complete loss histories and the supplemental questionnaire up front helps Novatae Risk Group assess difficult accounts more quickly and produce competitive responses. Available States and Market Positioning: This program is offered in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Novatae places business across admitted and non-admitted markets; carrier availability varies by state. Why Work With Novatae Risk Group? As a managing general underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction sector expertise with broad market access. Agents benefit from responsive underwriting, tailored program structures, and specialty placement capabilities for complex or challenged Workers Compensation risks. Novatae’s team focuses on practical solutions that help agents bind business quickly while addressing the specific exposures of concrete contractors — from field crews and finishers to multi-state contractors with diverse payroll mixes. Contact us at 800-758-8113 to speak with a broker about placing your Concrete Contractors Workers Compensation accounts. Need a Concrete Contractors Workers Compensation Insurance Quote? Send an email to [email protected] with your submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Concrete contractors with high-hazard operations, elevated Experience MODs (around 1.30+), multi-state payrolls, or a history of lapses, cancellations, or difficult loss experience. Can you place new ventures or accounts with no prior coverage?Yes. New ventures and accounts without prior Workers Compensation history are eligible and considered by the program. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, the supplemental questionnaire, and details on any large losses to accelerate underwriting review. Are multi-state operations accepted?Yes. Multi-state exposures are a specialty for Novatae — the program handles payroll spread across multiple jurisdictions and will match accounts to appropriate carriers by state. What is the minimum premium for this Workers Comp program?The program’s minimum premium starts at $10,000, though final pricing depends on the account profile and state(s) of exposure. Need help placing an account? Connect with a market specialist.

... multi-location operation with gas pumps and food service, SIU can help you se...ur client owns a rural store with gas pumps or a city location with prepared f...