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...r businesses that operate concrete pumps — boom pumps, line pumps, and trailer-mounted units. Typical e... using boom, line, or trailer-mounted pumps — are a strong fit when equipment ...

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

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.

...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...

...ence stores C-stores with fuel pumps Locations with liquor sales U... convenience stores, stores with fuel pumps, and locations with liquor or toba...

Maritime Program Group (MPG) offers a specialized Boat Rental Insurance program for independent agents and brokers placing recreational rental risks. Through a strategic partnership with Markel American and in-house underwriting authority, MPG delivers faster quote turnaround and customized coverage solutions for the unique exposures of boat, PWC, and paddle craft rental operations. Ideal Accounts and Appetite MPG’s Boat Rental Insurance program targets a broad range of recreational watercraft rental businesses. Eligible classes include: Stand-Up Paddle Boards Sailboats Canoes and Kayaks Pedal Boats and Water Bikes Personal Watercraft (PWCs) Runabouts and Ski Boats Powerboats and Houseboats This program is a strong fit for businesses that rent to the public for short-term recreational use on lakes, rivers, and coastal waters. Whether your client operates a marina with a PWC fleet, a seasonal kayak concession, or a houseboat rental operation, MPG can help you structure coverage to match the operational profile. Coverage Highlights and Advantages MPG’s Boat Rental Insurance includes core coverages designed for rental operations’ property and liability exposures: Hull and trailer coverage Liability limits up to $1,000,000 Premises liability Optional water sport liability coverage Direct bill with flexible billing options Low minimum premium The program addresses both physical damage to watercraft and the liability risks that arise when equipment is rented to the public. Optional water-sport liability can be added when clients offer higher-risk activities. Underwriting Notes and Minimum Premiums MPG underwrites this program with delegated, in-house authority, which supports quick quoting and responsive policy handling. Minimum premiums vary by class and fleet size. Preferred risks typically have well-maintained equipment, documented safety procedures, use of rental agreements and waivers, and basic operator screening or instruction. Territories and Availability This program is available in all 50 states and the District of Columbia. MPG can underwrite accounts located on coastal waters, inland lakes and rivers, and seasonal vacation destinations, adapting terms to local operating conditions. Why Work With Maritime Program Group? As a specialty Managing General Agency focused on marine risks, Maritime Program Group combines deep sector experience with access to a financially strong carrier, Markel American. The in-house underwriting model means faster response times, tailored terms, and a partner that understands the day-to-day risks of rental operations. MPG offers agents straightforward placement options and support for quote submission and policy servicing. For more information on our Boat Rental Insurance contact us today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for recreational boat rental businesses, including operations renting paddle boards, kayaks, jet skis, powerboats, and houseboats. Which states is this program available in?Boat Rental Insurance from Maritime Program Group is available in all 50 states and Washington, DC. What are the liability limits offered?The program offers liability limits up to $1,000,000, with additional options depending on underwriting. Is water sport liability coverage included?Yes, water sport liability coverage is available as an optional add-on to meet the specific needs of rental operations. Does the program offer direct billing?Yes, direct billing with flexible payment options is available for added convenience. Need help placing an account? Connect with a market specialist.

...vironmental controls Mechanical: pumps, turbines, blowers, engines, gear set...

Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.