Overview of the Program From Norman-Spencer
Norman-Spencer Agency, Inc. offers a comprehensive Auto Insurance program designed to meet the diverse needs of your clients. Whether you’re placing coverage for individual commercial vehicles or fleets, our broad market access and dedicated underwriting team make it easy for you to find the right fit. With a national footprint and deep knowledge of specialized industries, we help agents deliver tailored solutions that address today’s auto-related exposures.
Ideal Accounts and Appetite
We work with a wide range of commercial auto risks across multiple industries. Ideal accounts include:
- Contractors with owned and operated fleets
- Delivery services, including food, courier, and medical supply
- Home healthcare providers using employee vehicles (Hired & Non-Owned)
- Specialty vehicles such as boom trucks and concrete pumpers
- Environmental services and consultants with mobile crews
You might have a client with a small fleet of vehicles used for local deliveries or a construction firm needing insurance for heavy equipment transport. We have options for both and more.
Coverage Highlights and Advantages
Norman-Spencer’s Auto Insurance solutions are part of a broader suite of commercial coverages, including General Liability, Property, Inland Marine, Workers Compensation, Umbrella, and Excess. This allows you to offer complete protection packages under one roof.
Our program is built for flexibility and supported by multiple carriers to accommodate a wide range of underwriting scenarios. Specialty divisions—such as Sunderland Insurance for Hired & Non-Owned Auto and JC Stevens for crane and pumper vehicles—bring additional expertise to niche markets.
Underwriting Notes and Minimum Premiums
We partner closely with agents and carriers to identify needs and build custom solutions. While minimum premiums may vary by risk and carrier, our broad market access allows us to find competitive options across the spectrum.
Norman-Spencer underwriters are responsive, collaborative, and committed to helping you win and retain business.
Territories and Availability
Our Auto Insurance offerings are available nationwide, including all 50 states and Washington, DC. Whether your client is operating in a single state or across multiple regions, Norman-Spencer has the reach and resources to support your placement.
Why Work With Norman-Spencer
Norman-Spencer is more than just a market—we are your partner in building long-term client relationships. Our approach is centered on collaboration, innovation, and doing what it takes to help you succeed. With multiple divisions and specialized programs, we bring insight and capacity to even the most complex auto risks.
Visit www.norman-spencer.com to learn more, or explore our specialty divisions:
CONTACT US TODAY!
PH 866-930-5570
FX 937-432-1635
*Terms and coverages subject to change without notice.
Frequently Asked Questions
What types of accounts are a good fit for this Auto Insurance program?
We are ideal for contractors, delivery services, healthcare providers using employee vehicles, and specialty risks like boom trucks, concrete pumpers, and environmental service fleets.
Is this Auto Insurance program available in all states?
Yes, our program is available in all 50 states and Washington, DC.
Does Norman-Spencer offer solutions for Hired & Non-Owned Auto risks?
Yes, through Sunderland Insurance, a division of Norman-Spencer, we specialize in Hired & Non-Owned Auto coverage for food delivery, couriers, and home healthcare services.
Can I bundle Auto coverage with other lines?
Absolutely. We offer a full suite of coverages including General Liability, Property, Inland Marine, Workers Compensation, and more to build comprehensive packages for your clients.
What makes Norman-Spencer different from other MGAs?
Our collaborative approach, deep industry knowledge, access to multiple carriers, and niche divisions allow us to craft tailored solutions and support agents throughout the placement process.
Need help placing an account? Connect with a market specialist.