Proprietary Programs

collectibles

Collectibles

Coverage designed specifically for Collectors and Dealers.

Marine

Recreational Marine

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

Transportation

Automobile Transporters

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

Boat & Yacht

Boat & Yacht Insurance

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

Crane

First Fleet

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

Transportation

Towing

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

Real Estate

Real Estate E&O

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

Crane

Crane & Boom Trucks

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

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.

contractors

Contractor Tools & Equipment

Contractors Tools and Equipment Coverage for Artisan and Trade Contractors.

Transportation

Collateral Recovery

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

Specialty Haulers

Specialty Haulers

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

Readymix

ReadyMixpro

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

pumpro

Pumpro

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

vacant-buildings

Vacant Buildings

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

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