CIS (Construction Insurance Solutions)

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Street, Road & Bridge Contractors Program

The Norman-Spencer CIS Street, Road & Bridge Contractors Insurance Program was designed for transportation contractors engaged in three primary categories of heavy construction work:

  1. Site Preparation (grading of land)
  2. Street/road paving/resurfacing
  3. Construction of various types of "bridge" or elevated highway structures

In many cases, the transportation builder acts as the prime contractor. Federal specifications require the prime contractor to personally perform at least 51% of the total job.

Transportation contractors are of various sizes from a few personnel to hundreds of employees. A medium-sized transportation contractor will generate $8,000,000 in annual contract revenue (including work subcontracted to others), and will employ about 20 field workers. Account premiums can range from $25,000 to $300,000 and higher.

Many street and road contractors operate batch plants. The plants are either batch-type or continuous mix. These are fully automated remote-controlled hot-mix plants. This makes the production of asphalt capital-intensive. There are approximately 4,300 asphalt producers countrywide.

  • A.M. Best "A+" Rated Carriers
  • Available in All States, Except HI
  • Illinois, New York referral basis only

General Liability

  • $1,000,000 Per Occurrence
  • $2,000,000 Aggregate
  • $1,000,000 Products Aggregate
  • $50,000 Fire Damage Legal Liability
  • $5,000 Medical Expense
  • $2,500 Minimum Property Damage Deductible, Per Occurrence

Special Extensions Available

  • Blanket Additional Insured. Full Products Available.
  • Per Job Aggregate
  • Blanket Waiver of Rights
  • Employers Benefits Liability
  • Labor Reimbursement
  • Limited Worksite Pollution Liability

Umbrella

Up to $25,000,000 Available. Submit for Quote.

Submission Requirements

  • ACORD Applications
  • Supplemental Application signed by Insured and Agent
  • Loss Runs – 3 to 5 years currently valued and details of losses over $10,000
  • 2 Year Job List
  • ExpiriNg Declarations Page and Rating Worksheet

Broker Kit

For more information on this program please contact:

Greg Rose at GregRose@norman-spencer.com, or 937.432.1637.