Norman-Spencer is committed to the
recreational marine industry.

Norman-Spencer Insurance

Norman-Spencer's marine insurance services division has provided insurance risk solutions and guidance to boat owners and boating retailers for over 30 years. Along with access to the nation's top marine insurers, this division also offers exclusive watercraft and marine business insurance programs that are specifically tailored to meet the needs of today's recreational boating community.

Who is Norman-Spencer?

Norman-Spencer is a nationally acclaimed provider of quality watercraft insurance. Its Marine Insurance division is comprised of boaters like you, who are staunch supporters of the recreational marine industry. The company's exclusive insurance programs have partnered with watercraft safety associations for over 30 years to insure their members and improve boating safety.

The AquaPac program was among the first in the industry to provide stand-alone, higher limit, full coverage policies to everyday boaters. Norman-Spencer understood that watercraft insurance should be something more than an afterthought endorsement to a homeowner's policy. Over 30 years later, and the AquaPac program continues to thrive, insuring tens of thousands of boaters across the country. With the release of the TradeWinds yacht insurance program, the company now has a home for practically all boaters, from personal watercraft to mega-yachts.

Along with tailored marine insurance, Norman-Spencer is also a strong advocate for efforts to keep boating safe, fun and accessible. Several members of their team sit on the boards of the largest marine retail groups; they attend and speak at legislative functions across the country that support boating and marina rights, and partner with associations like ours. They are also endorsed by the largest marine retail associations in the country, and work with them to keep builders, dealers and marinas open and thriving. Norman-Spencer is not only endorsed as their insurance partner, but also their partner in the drive to keep family boating thriving.

How Does Norman-Spencer Benefit a Boater Rewards Member?

Along with the exclusive coverages offered by the AquaPac and TradeWinds programs, Norman-Spencer also provides exclusive insurance discounts for Boater Rewards members. Their team of knowledgeable marine insurance professionals will help you navigate through the sometimes murky waters of marine insurance to get the coverage you need. Every carrier is different, and some may not understand the needs of a today’s boaters.

Free, No Obligation Insurance Review and Quote: Norman-Spencer will review your current coverage and provide you with a competitive quote.

Objective Personal Service, Not Pressure: Insurance is an important financial decision. You'll get sound coverage advice from a knowledgeable Norman-Spencer marine insurance professional.

Get The Policy You Need: No one wants to pay extra for unnecessary coverages, or leave themselves unprotected just to save money. Norman-Spencer’s Aqua Pac and TradeWinds programs have tailored coverages built for the specific needs of boaters.

Right Price, Right Coverage: Norman-Spencer’s exclusive programs and experience in the industry enable them to give you the policy you need at the right price. Get the best value for your dollar while protecting your boat.

Fast Facts: AquaPac and TradeWinds Programs

  • Boater Rewards exclusive member discounts
  • Very flexible survey requirements for yachts
  • No surveys for boats under 27'
  • Consequential Damage Coverage included
  • Towing/Emergency Service is on and OFF the water
  • Disappearing Deductible included for most boats
  • No deductible for a covered Total Loss
  • Latent/Hidden defects are covered
  • Generous base limits for Towing, Personal Effects, Medical Payments
  • Maximum limits of Pollution Coverage provided
  • No mandatory winter lay-up requirements
  • No policy exclusions for marina's waivers of subrogation
  • Annual coverage for captain/crew
  • Defense Cost Coverage outside of normal liability limit
  • Wreck Removal up to full liability limit
  • Coverage provided for damage to a rented marina slip
  • Discounts for safety equipment, experience, safety courses

Interested in Norman-Spencer Insurance?

Call 800.252.9597 for a free no obligation quote or visit

Interested in becoming a Boater Rewards Member?

Join Boater Rewards Today!