CIS - Construction Insurance Solutions

EASY & FAST Insurance Solution for Underground Utility Contractors
General Liability & Umbrella Insurance

Insurance for Trade Contractors
Available Insurance Coverages: General Liability – Umbrella/Excess

visit www.norman-spencer.com to view ALL our insurance programs

At Norman-Spencer Agency, we are continually working on new and exciting facilities to better help you serve your customers and beat the competition. The U.S. underground utility industry segment of the heavy construction industry is composed of about 11,000 firms. The vast majority are small, privately held companies. The industry employs about 200,000 people. Larger contractors may be involved in a variety of ancillary operations such as street and road construction, irrigation and drainage system construction, and septic tank installation or repair. Construction Insurance Solutions (CIS) is a program designed for a variety of residential and commercial artisan-type contractors, operating in states noted for Construction Defect litigation. Underwritten by a national Non-admitted XV+ carrier, the program lead lines are General Liability and Excess Liability, with property and auto also available. Program features include open distribution and availability in selected states.

• A+ rated Carrier
• Available in All States, Except HI
• Illinois, New York referral basis only
• $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

• Blanket Additional Insured, full products available
• Per Job Aggregate
• Blanket Waiver of Rights
• Employers Benefits Liability
• Labor Reimbursement
• Limited Worksite Pollution Liability Umbrella
• Up to $25,000,000 available – submit for a quote

• ACORD Applications
• Supplemental Application signed by Insured and Agent
• Loss Runs - 3-5 years currently valued and details of losses over $10,000
• 2-Year Job List
• Expiring declarations page and rating worksheet

• Concrete Contractors
• Drill Contractors
• Electrical Contractors
• Fire Suppression (Sprinkler) Contractors
• HVAC & Plumbing Contractors
• Land Improvement Contractors
• Landscape Contractors
• Pool Contractors
• Roofing Contractors
• Street, Road & Bridge Contractors

Pumpro – Concrete Pumpers

Crane Operations

Environmental Consultants

Hired & Non-Owned

Lawyers

Ready Mix Pro

Real Estate E&O

Marina & Boat Dealers

Sand & Gravel

Schools

Steel Erectors