Norman-Spencer

Since 1988, we have dedicated ourselves to developing and administering exclusive and proprietary insurance programs, bringing over three decades of specialized experience to the property and casualty insurance sector. Our team operates as a nationally acclaimed program administrator and wholesale brokerage, servicing more than 3,000 independent agents with industry-tailored coverage and competitive pricing. We possess deep expertise across construction, real estate, transportation, and select specialty lines, allowing us to address the unique needs of individual risk businesses with precision. Our professional standards are defined by our access to both the Admitted and Non-Admitted marketplaces as a licensed E&S broker in all states. We bring the core disciplines of claims, underwriting, risk control, and enabling technology directly to our insureds and brokers as a cohesive team.

By facilitating the continuous interchange of information between claims, underwriting, and loss control teams, we actively work to reduce claim frequency, severity, and unnecessary legal costs. Our problem-solving capabilities are rooted in our adaptability, enabling us to work quickly and provide the best combination of price and coverage. We are deeply committed to client satisfaction, consistently demonstrating a culture of caring while educating clients on the value of safety and its impact on their employees. Our commitment to maintaining underwriting discipline ensures program and carrier consistency for every partner we serve. Ultimately, we measure our success by the improved loss ratios and profitability of the clients who trust us with their coverage needs.