Norman Spencer

At NormanSpencer.com, we are dedicated to providing thoughtful, affordable, and essential insurance solutions and programs with strong insurance company partners and national trade associations. Our team is committed to understanding the unique needs of each client, providing personalized service and tailored insurance options.

Business Insurance

As a trusted resource for competitive and tailored insurance, we offer a range of business insurance policies designed to protect against various risks. Our business insurance policies include:

• Commercial General Liability: Providing coverage for office risks, including property, and varying in cost depending on size, property, limits, and deductibles.
• Auto Liability: Covering auto property and risks, with options for hired and non-owner automobile coverage.
• Umbrella Liability: Offering additional coverage over primary packages of general liability and automobile liability at a lesser cost.
• Workers' Compensation: Providing coverage for employees, with varying rates dependent on payroll and state-specific requirements.
• Employment Practices Liability: Protecting businesses from claims related to employment-related issues such as discrimination, harassment, and wrongful termination.

Professional Liability

Our Professional Liability policies are designed to address specific risks and provide peace of mind for professionals. These policies are also known as Errors & Omissions (E&O) insurance and protect against damages arising from actual or alleged errors or omissions. Key considerations include:

• Coverage limits: Ensuring coverage limits are sufficient to meet unique professional needs.
• Exclusions: Carefully reviewing exclusions to ensure coverage for unexpected events.
• Retroactive date: Ensuring the retroactive date is honored to maintain continuous coverage.
• Claims-made policies: Understanding the implications of claims-made policies and the importance of timely reporting.

Insurance Programs

Our team studies industry needs, identifying carriers and products best suited to meet those needs, resulting in successful and long-lasting programs. Some of our programs include:

• AllPro Insurance Program
• FCIA Insurance Program
• HAZMATPro Insurance Program
• NRCA PROOF Professional Liability Insurance Program
• SafetyPro Insurance Program
• SFPE Insurance Program
• TaxPro Insurance Program
• TMAPro Insurance Program

At NormanSpencer.com, we strive to provide exceptional service, tailored insurance options, and a commitment to understanding each client's unique needs. We look forward to being your trusted insurance partner.