Norman-Spencer and N-S Cares is committed to giving back to our communities and protecting those who help serve others to improve our communities.  Our Non-Profit & Human Services Program donates 50% of its divisional profits to deserving Non-Profit organizations.  The type of risks that fall into our Non-Profit program range from Food Distribution, Thrift Stores, Housing & Shelters to Health & Fitness clubs.

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The Non-Profit Division of Norman-Spencer provides superior insurance protection to those who have committed their time to serving others and improving their local communities. Honoring its commitment to our communities and caring, Norman-Spencer donates 50% of its divisional profits from these programs to deserving non-profit organizations.


  • AM Best “A” Rated Carriers
  • Available in most states
  • Social Service Broadening Endorsements
  • Abuse or Molestation Coverage
  • Preferred Organizations:
    • Food Distributors & Thrift Stores
    • Housing & Shelters
    • Recreation Gyms & Fitness
    • Schools
    • Religious Institutions
    • Substance Abuse Services
    • Social Clubs & Community Services

Lines of Coverage

  • Property
  • General Liability
  • Professional Liability
  • Abuse & Molestation
  • Auto
  • Crime
  • Cyber

Trust Norman-Spencer to have your back. Give us a call at (800) 543-3248 to learn more about application requirements and submission requirements.