Norman-Spencer

Land Improvement

Land Improvement Contractors Insurance Program

The Norman-Spencer Land Improvement Contractors Insurance Program covers a segment of the heavy construction industry consisting of many diverse operations. Many land improvement contractors are former farmers who may still farm on a part-time basis. Many are relatively small contractors with very expensive equipment. Many contractors are located in remote areas, and are primarily engaged in irrigation, drainage system construction, excavation, and terracing of land. Any construction which involves the movement and improvement of land may be performed by a land improvement contractor.

• A.M. Best "A+" Rated Carrier
• Available in All States

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

• Blanket Additional Insured, full products available
• Per Job Aggregate
• Blanket Waiver of Rights
• Employers Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability

Submission Requirements

• ACORD Applications
• Supplemental Application signed by Insured and Agent
• Loss Runs – 3-5 years currently valued and details of losses over $10,000