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.

Transportation

Collateral Recovery

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

Crane

First Fleet

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

vacant-buildings

Vacant Buildings

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

Readymix

ReadyMixpro

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

Specialty Haulers

Specialty Haulers

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

Real Estate

Real Estate E&O

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

collectibles

Collectibles

Coverage designed specifically for Collectors and Dealers.

Crane

Crane & Boom Trucks

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

Transportation

Towing

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

Transportation

Automobile Transporters

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

contractors

Contractor Tools & Equipment

Contractors Tools and Equipment Coverage for Artisan and Trade Contractors.

Boat & Yacht

Boat & Yacht Insurance

Specialized provider of recreational boat and yacht insurance for the boating enthusiast.

Marine

Recreational Marine

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

pumpro

Pumpro

#1 choice of concrete pumping companies nationwide and the only property & casualty insurance program endorsed by the ACPA.

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