Towing

Norman-Spencer offers a specialized insurance program for operators engaged in the Towing or Recovery of wrecked, disabled or abandoned vehicles. Our Team is widely recognized within the towing industry for having the knowledge, experience and reputation that has earned them the trust of some of the most successful towing agencies in the country.
The current list of available states includes

  • Alabama
  • Kentucky
  • New York
  • Vermont
  • Delaware
  • Maryland
  • Ohio
  • Virginia
  • Florida
  • Michigan
  • Pennsylvania
  • West Virginia
  • Georgia
  • Mississippi
  • Rhode Island
  • Wisconsin
  • Illinois
  • New Hampshire
  • South Carolina
  • Indiana
  • New Jersey
  • Tennessee

We are currently working with our carrier to identify additional states where the program will be offered in the future.

Eligible Classes

The following is a list of our most successful classes:
  • Towing with or without storage lots
  • Towing for hire
  • Towing with incidental auto repair
  • Incidental voluntary repossession
  • Towing for auto auctions
  • Towing with incidental snow removal
  • Towing with body shop operations

If you are not sure the account you want us to consider is eligble, Sharen Dunn will be glad to review it with you. She can be reached by email at SharenDunn@Norman-Spencer.com or her direct line is 336.842.8457.

Coverage & Limits

  • Auto Liability: $1,000,000 CSL
  • General Liability: $1,000,000 Occurrence / $3,000,000 Aggregate
  • On Hook: $1,000,000 with contract / $500,000 without contract
  • Cargo Legal Liability: $1,000,000 with contract / $500,000 without contract
  • Garage Keepers Liability: $1,000,000 with contract / $500,000 without contract
  • Auto Physical Damage: Actual Cash Value

Underwriting Requirements

Why Norman-Spencer

There is our experience, our reputation in the industry and our people which gained us recognition as one of the Top Program Administrators in the country in 2016 by Business Insurance America Magazine.But, what really makes us different is our culture. We have built our culture on caring about the things that are important to us, you, your clients, the industries we serve and our communities. This year, we have raised over $200,000 in donations for our Non-Profit Foundation, NS Cares. The funds were used to supply 147,000 meals to Foodbanks around the country. Our people have also volunteered over 1,000 hours of their to local community programs in support of causes that are important to them. As an organization we partnered with the relief group Out Reach to package 51,000 meals that were part of the meals that were donated to the Foodbanks.

We have passion for caring that drives us to be the best that we can be. Let us care about you.