Proprietary Programs

hired & non-owned auto

Hired & Non-Owned Auto

Designed to provide coverage for pizza and fast food delivery operations, route based couriers, contractors and home health care organizations.

Specialty Haulers

Specialty Haulers

All general and specific commodity type haulers including flatbed, automobile haulers and other tough to place risks.


Automobile Transporters

Coverage for transporters hauling passenger auto and light trucks for dealers, auctions, relocation and private purchases.


Vacant Buildings

Coverage for buildings that are vacant, undergoing renovation or under construction.


First Fleet

Mono line auto program specifically designed to provide commercial auto coverage to contractors.

Nonprofit Division

Non-Profit Division

The Non-Profit Division of Norman­-Spencer provides superior insurance protection to those who have committed their time to serving others.



Coverage designed specifically for Collectors and Dealers.


Crane & Boom Trucks

Specialize in writing crane coverage with or without operators that include "on-hook" and over the road coverage.


Collateral Recovery

Coverage provides protection for your owned equipment, your operation and your customers’ collateral.


Recreational Marine

Coverage for marinas, boat dealers / repairers, shipyards and much more.



Designed for companies that manufacture and transport ready mix concrete to construction job sites.



Insurance for stand-alone towing operators, towing operators with garages, and towing operators with a city or association contract.


Contractor Tools & Equipment

Contractors Tools and Equipment Coverage for Artisan and Trade Contractors.

Boat & Yacht

Watercraft Insurance

Recreational boat and yacht insurance for the boating enthusiast.

Professional Liability

Professional Liability

The Professional Liability Division of Norman-Spencer is built to deliver competitive solutions for all Professional Liability risks.

Real Estate

Real Estate E&O

One of the most comprehensive errors and omissions real estate liability programs available in the market.



Offering the knowledge and experience necessary to service the concrete pumping industry.

Norman-Spencer Agency, Inc is a nationally acclaimed provider of property and casualty insurance services.