Specialty Programs

Norman-Spencer is a leading program provider. We are able to provide you specialized programs for Hired & Non-Owned Auto, Real Estate E & O and Lawyers E & O because our carriers trust us and our in house underwriting staff to maintain stable and profitable programs. We continue to add new programs in areas where we see a special niche.

Proprietary Programs

hired & non-owned auto

Hired & Non-Owned Auto

Designed to provide coverage for pizza and fast food delivery operations, route based couriers, contractors and home health care organizations.
Real Estate

Real Estate E&O

One of the most comprehensive errors and omissions real estate liability programs available in the market.
lawyers

Lawyers E&O

Professional liability coverage against errors and omissions for Lawyers and Law Firms.
collectibles

Collectibles

Coverage designed specifically for Collectors and Dealers.
vacant-buildings

Vacant Buildings

Coverage for buildings that are vacant, undergoing renovation or under construction.