Not all commercial auto insurance markets are created equal. With rising rates and shrinking availability in high-risk metro areas and certain states, placing reliable, competitively priced coverage can be difficult—even for experienced agents. At Prime Insurance Company, we understand the challenges agents face when placing Commercial Auto Insurance, and we offer flexible solutions designed for today’s shifting exposures.
Commercial Auto Insurance Solutions from Prime Insurance Company
Commercial operations that depend on vehicles—delivery services, medical transport, passenger carriers and fleet businesses—face significant liability and physical-damage exposures. From driver conduct to third-party liability, these risks are especially acute in rural and highway environments, which account for a large share of commercial-vehicle accidents.
Prime Insurance Company provides tailored excess & surplus options and non-standard solutions to help agents place hard-to-place and specialty commercial auto risks. Whether the account is a new venture or an established fleet, our team works with you to structure coverage that matches the client’s operations and loss profile.
Ideal Accounts and Target Classes
We have a broad appetite for commercial auto risks, including but not limited to:
If your client’s class of business is not listed, contact our underwriters—our team regularly evaluates a wide range of vehicle-based operations.
Coverage Highlights and Advantages
Our Commercial Auto Insurance program offers a range of coverages that can be tailored to your client’s needs:
We help agents close common gaps—such as exposure from inexperienced drivers, hired/non-owned use, and limits erosion from large liability losses—by providing flexible forms and placement options in the excess & surplus market.
Underwriting Considerations
Prime Insurance Company specializes in excess & surplus placement and non-standard commercial auto risks. Underwriting is case-by-case: we consider accounts with limited driving histories, mixed-use fleets, and accounts with prior losses that may not fit the standard market. We do not write personal auto policies.
Please note that primary commercial auto coverage is not available in every state; availability depends on jurisdiction and the specific risk. Reach out to our underwriting team with complete account details for prompt eligibility review.
Territories and Availability
Prime Insurance Company offers Commercial Auto Insurance on an excess & surplus basis and is available in the following states:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Contact us to confirm eligibility and specific form availability in your client’s state.
Why Work With Prime Insurance Company?
As an experienced excess & surplus lines broker, Prime Insurance Company combines underwriting flexibility with responsive service to place complex commercial auto accounts. We focus on hard-to-place and specialty risks and work closely with agents to evaluate exposures and structure tailored policies.
Typical situations where our program adds value:
Our team is available to review submissions, suggest form and limit options, and help you navigate placement on an E&S basis.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is suited to commercial operations that rely on vehicles—delivery services, medical transport, taxis, limousines, buses, and other fleet operations. We also consider new ventures and accounts that may not qualify for standard markets.
Do you offer coverage for new drivers or operators?
Yes. We offer New Operators Coverage and will evaluate accounts with limited driving history depending on the overall risk, vehicle types, and operations.
Is personal auto coverage available through this program?
No. This program is strictly for commercial auto risks; we do not write personal auto policies.
Which states do you offer primary commercial auto insurance in?
Primary commercial auto coverage is not available in every state. Availability varies by jurisdiction—please contact us to confirm whether we can write primary coverage in your client’s location.
What makes Prime Insurance Company different from other markets?
We concentrate on hard-to-place and specialty commercial auto risks, offering underwriting flexibility, customized forms, and an underwriting team experienced with non-standard and E&S placements.
Need help placing an account? Connect with a market specialist.