Overview of the Program From Norman-Spencer
Norman-Spencer Agency, Inc. offers a specialized insurance solution for the concrete industry through its Pumpro & Ready Mix Insurance Program. This comprehensive program is designed to meet the evolving needs of ready mix and concrete pumping operations. With over 30 years of industry development, concrete pumping has become the preferred method for high-volume concrete placement, and Norman-Spencer ensures your clients have the right protection in place.
Ideal Accounts and Appetite
This program is ideal for businesses involved in concrete delivery, ready mix operations, and concrete pumping. Whether your client runs a small regional fleet or a large-scale operation servicing commercial construction projects, Norman-Spencer’s solution can help protect against the unique risks they face.
You might have a client operating a fleet of ready mix trucks across multiple job sites, or a concrete pumper who needs coverage beyond their primary limits—this program addresses those exposures.
Coverage Highlights and Advantages
Norman-Spencer offers a full range of coverages tailored to the concrete industry, including:
- Excess Liability and Umbrella Coverage
- General Liability and Auto Liability
- Workers’ Compensation
- Property and Inland Marine
- Contractor’s Equipment and Leased/Rented Equipment
- Business Income and Building Coverage
Additional advantages include:
- A.M. Best "A" Rated Carriers
- Industry-specific loss control resources
- Local claims service for faster response
- Quick quote turnaround
Underwriting Notes and Minimum Premiums
The program is accessible through multiple carriers, offering broad market access for agents and brokers. While minimum premiums vary, Norman-Spencer’s underwriting team works closely with producers to evaluate each account on its individual merits. Submissions should include details on fleet size, operations, prior loss history, and desired limits for excess or umbrella coverage.
Territories and Availability
This program is available nationwide, including all 50 states and Washington, DC. Agents can confidently place ready mix and concrete pumping accounts regardless of location—Norman-Spencer has the reach and carrier relationships to support your business coast to coast.
Why Work With Norman-Spencer?
Norman-Spencer brings deep expertise in construction-related risks, especially in the concrete and equipment-heavy sectors. Their industry-specific programs are backed by strong carrier relationships, competitive pricing, and responsive service. As an agent, you gain access to a dedicated underwriting team that understands the operational challenges and insurance needs of your concrete-industry clients.
To explore all available insurance programs, visit www.norman-spencer.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for ready mix concrete suppliers, concrete pumpers, and related contractors who need tailored insurance including excess liability coverage.
Is the program available in all states?
Yes, Norman-Spencer’s Concrete Ready Mix Excess Insurance program is available in all 50 states and Washington, DC.
What lines of coverage are included?
The program includes general liability, auto, property, inland marine, workers’ compensation, umbrella, and excess liability, among others.
What makes Norman-Spencer different from other program providers?
Norman-Spencer offers industry-specific underwriting, A-rated carriers, fast quote turnaround, and local claims service—all tailored to the concrete industry.
How quickly can I get a quote?
Norman-Spencer is known for quick quote turnaround, especially when complete underwriting information is provided upfront.
Need help placing an account? Connect with a market specialist.