Our Products

Homeowner Wrap

Specialty à la Carte Homeowners Coverages™

Specialty à la Carte Homeowners Coverages™ policy includes options for coverages to supplement the any Florida homeowners or dwelling policy. You may select one or multiple coverages which will be packaged on one policy. Coverage options include:

  • Scheduled Personal Articles Floater
  • 1-4 Family Dwelling Liability, Individually Owned
  • 1-4 Family Dwelling Liability, Trust/LLC/Corp. Owned
  • Excess Personal Liability
  • Animal Liability
  • Home Business Insurance Coverage
  • Increased Cov C (Theft) Special Limits of Liability (Unscheduled)
  • Loss Assessment Coverage
  • Pool Enclosures & Other Structures (x-wind)
  • Personal Injury Liability
  • Incidental Farming Liability
  • Credit Card/EFT Card/Forgery/Counterfeit Money Coverage
  • Fungi, Wet or Dry Rot, or Bacteria Property Coverage
  • Water Backup and Sump Discharge/Overflow
* Subject to policy terms, definitions, conditions, limitations and exclusions.
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Personal Umbrella

PERSONAL UMBRELLA

CIU is pleased to now offer a Personal Umbrella Policy. Our Primary Umbrella is designed for both the preferred and non-standard market.

  • Personal Umbrella Liability attaching at $100,000 where Citizens Property Insurance Corporation is the underlying carrier
  • Demotech “A” or A.M. Best B+ V or better carriers are considered for underlying coverage
  • Provide limits up to $5,000,000 with an additional $5M available as referral for underwriting approval
  • A.M. Best rated insurer
* Subject to policy terms, definitions, conditions, limitations and exclusions.
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Small Business Solutions

SMALL BUSINESS SOLUTION PRODUCTS

Our Small Business Solutions commercial links provide access to more than 30 real-time quote products for small business risks.

* Subject to policy terms, definitions, conditions, limitations and exclusions.
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HISCOX

HISCOX

This product covers third-party claims arising from bodily injury, as well as the associated medical bills. It also covers liability claims linked to damage of a third party’s property and more. Business Equipment covers all your customer's business furniture and equipment at up to five different office locations which includes accidental damage as standard. We also provide the following optional coverages:

  • Office insurance
  • Hired or non-owned vehicle liability insurance
  • Electronic data loss upgrade
  • Commercial crime insurance upgrade
  • Available in all states except: AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY
BOP

BUSINESS OWNERS PROGRAM

Universal North America BOP is now available for our CIU Solutions customers. We have fully automated this product for Real-Time rate indications and underwriting stops for your convenience.

  • This product is designed for small businesses and retail stores with hundreds of available classes
  • All construction definitions are considered, including frame. Even age of the building is not required if you are writing contents only and the limit is $250,000 or less
* Subject to policy terms, definitions, conditions, limitations and exclusions.
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Neptune Flood

Neptune Private Flood for Residential, Commercial or RCBAP

Neptune Flood Insurance is backed by some of the largest insurance markets in the world. They are significant players in the U.S. market and are rated “A” (Excellent) or better by A.M. Best. With this financial stability, Neptune feels confident in waterproofing people’s lives day in and day out with high limits and additional coverages.

  • Available in 48 states including DC states (except Alaska and Kentucky)
* Subject to policy terms, definitions, conditions, limitations and exclusions.
USLI Personal Lines

USLI Personal Lines

  • 1-4 Family Dwellings Liability (Personal)
  • Comprehensive Personal Liability
  • Condo/Renters
  • Excess Comprehensive Personal Liability
  • Excess Personal Umbrella
  • Home Based Business
  • Personal Umbrella
  • Vacant Land (Personal)
* Subject to policy terms, definitions, conditions, limitations and exclusions.
Logo © Coastal Insurance Underwriters - In California: Norman-Spencer Insurance Agency, LLC License #0B64551 No claim to any government works or material copyrighted by third parties. Nothing on this website constitutes an offer, inducement, or contract of insurance. Financial strength and size ratings can change and should be reevaluated before coverage is bound. This material is intended for licensed insurance agency use only. This is not intended for business owner or insured use. If you are not a licensed agent please disregard this communication. Norman-Spencer Insurance Agency supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.