Overview of the Program From Norman-Spencer Agency
The Norman-Spencer Agency's Crane & Rigging Insurance Program is specifically designed for the crane and construction services sector. Offered in partnership with JC Stevens Insurance, a division of Norman-Spencer, this program provides specialized coverage for crane operators, equipment rental businesses, and steel erection and millwright contractors. Whether your clients operate with or without operators, this program includes comprehensive coverage for mobile equipment, "on-hook" exposures, and over-the-road risks.
Ideal Accounts and Appetite
Norman-Spencer targets a range of crane and rigging operations including:
- Crane operators and crane rental companies
- Steel erection contractors
- Millwrights
- Heavy equipment and waste haulers
- Contractors with tower cranes, boom trucks, or well drilling rigs
- Loggers, builder’s risk exposures, and those requiring motor truck cargo
If you have clients working in construction with specialized lifting or hauling needs, this program is a strong fit.
Coverage Highlights and Advantages
The program offers a wide range of coverages:
- General Liability – Includes on-hook coverage, man-basket liability, and per project aggregates. Auto filings and separate auto policies available.
- Inland Marine – Covers physical damage to boom trucks and equipment, including overload and boom collapse. Riggers liability, bailees coverage, and leased/rented equipment are included.
- Enhancement Coverages – Automatically includes tools, rental reimbursement, crane attachments, substitute equipment, and newly acquired items.
- Umbrella & Excess – Up to $5M in limits available.
- Blanket additional insured, waiver of subrogation, and primary non-contributory wording included.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $5,000 for general liability and $1,000 for inland marine. Submissions should include:
- Markel Supplemental and Acord forms
- Experience forms and MVRs for all drivers/operators
- Equipment details: year, make, model, and value
- 3–5 year loss runs and applicable contracts/work tickets
Applications and supplemental forms are available via JC Stevens Insurance and can be submitted by fax or email.
Territories and Availability
This program is available nationwide, including all 50 states and Washington, D.C. Norman-Spencer places business through all available markets (admitted and non-admitted), allowing flexibility to fit complex risks.
Why Work With Norman-Spencer on This Business
Norman-Spencer has over 15 years of experience in the crane and rigging insurance niche. Their team works directly with retail agents and goes the extra mile to get hard-to-place risks written. With in-house underwriting authority and access to multiple carriers, they can quote, bind, and issue policies the same day, streamlining the process for you and your clients.
We can quote, bind and issue policies SAME DAY!
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include crane operators, steel erection contractors, millwrights, and equipment rental businesses in the construction sector.
What coverages are included in the Crane & Rigging Insurance Program?
The program includes general liability, inland marine, auto, umbrella, and enhancement coverages like riggers liability, on-hook, and boom collapse.
What are the submission requirements?
Required documents include Acord forms, Markel Supplemental, experience forms, MVRs, loss runs, and detailed equipment lists.
Is this program available in my state?
Yes, the program is available in all U.S. states and Washington, D.C.
Can policies be issued quickly?
Yes, Norman-Spencer can quote, bind, and issue policies the same day, depending on the completeness of the submission.
Need help placing an account? Connect with a market specialist.