Since 1988,

Norman-Spencer has been developing and administering exclusive and proprietary industry specific insurance programs. We are a nationally acclaimed provider of property and casualty insurance services, that focuses on construction, real estate, transportation and select specialty lines.

Norman-Spencer operates as a program administrator and wholesale brokerage servicing over 3,000 independent agents. We pride ourselves in delivering tailored coverage, competitive pricing, specialized claims and risk management services to business owners while maintaining the underwriting discipline for program and carrier consistency.

As a wholesaler, Norman-Spencer relies on its relationships with core markets to solve the unique needs of individual risk business. While Norman-Spencer is a licensed E&S broker in all states, our differentiation lies in our access to both the Admitted and Non-Admitted marketplaces. We are adaptive and work quickly to provide our agents with the best combination of price and coverage to meet the needs of their insureds.

The NS Advantage

We bring the core disciplines of claims, underwriting, risk control, and enabling technology directly to our Insureds & Brokers as a cohesive team working collaboratively to achieve better outcomes.

We facilitate the continuous interchange of information and data between the claims, underwriting and loss control teams looking for key indicators that will:

Demonstrate unparalleled service and value to our clients

Reduce claim frequency, severity and unnecessary legal (ALAE) costs

Improve all of our clients loss ratios and profitability as much as possible

Educate clients on the value of safety and its impact on their employees

Consistently demonstrate a culture of caring in everything we do