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Prime Insurance Company
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Prime Insurance Company
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Nursing Home Facilities

Customized Insurance Solutions for Nursing Home Facilities


At XINSURANCE, powered by Evolution Insurance Brokers, we understand the unique risks and regulatory challenges faced by nursing home facilities. Our tailored insurance program—offered by Prime Insurance Company—is designed to help agents and brokers secure comprehensive, flexible coverage for clients in the long-term care and senior living sectors. With 24/7 claims support and a client-first underwriting approach, we’re here to be your strategic partner in protecting healthcare operations of all sizes.

Ideal Accounts and Appetite

We specialize in hard-to-place or non-standard risks, including facilities with prior claims, high liability exposures, or unique operations. The Nursing Home Facilities program is ideal for: • Skilled nursing facilities
• Long-term care operations
• Assisted living with complex care needs
• Facilities hosting special events or providing transportation
 You might have a client who operates multiple locations or offers specialized memory care services—this program can help address their evolving exposure needs.

Coverage Highlights and Advantages

This program offers broad, customizable coverage options. Whether your client is a single-location facility or a multi-state operator, you’ll have access to flexible terms and limits.

Coverages Can Include: • Special Events
• Commercial General Liability
• Property Coverage
• Commercial Auto (available in most states) *Not available in NY
• Individual Liability
• Alleged Sexual Abuse
• Alleged Molestation Liability
• Alleged Assault and Battery Liability
• Professional Liability
• Directors and Officers Liability

Program Highlights:

• Premium Financing
• Flexible limits, premiums, and coverage customization
• Risk Management Support
• All-in-One Policy Solutions
• Direct Market Access
• Responsive Underwriting
• 24/7 Claims Reporting and Support

Underwriting Notes and Minimum Premiums

Our underwriting team focuses on identifying coverage gaps, exclusions, and tailoring solutions to fit each client’s specific operations. While there is no set minimum premium listed, pricing is assessed based on risk characteristics, size, and coverage needs. Accounts of any size are welcome for review.

Territories and Availability

The Nursing Home Facilities program is available in all 50 states and Washington, D.C., except for specific limitations on auto coverage in New York. As a non-admitted solution through an excess and surplus lines broker, this program is ideal for clients who may not qualify for standard markets.

Why Work With Prime Insurance Company and XINSURANCE

Prime Insurance Company, through its XINSURANCE platform, offers a high-touch, flexible approach to non-admitted risks. With direct access to underwriters, in-house claims expertise, and a willingness to write tough or unique accounts, you gain a reliable partner when placing difficult healthcare facility risks. Whether you’re working with a new venture, a facility with a claims history, or a client needing specialized coverages, this program offers the tools you need to succeed.

*Please Note: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah. This insurance product is offered by an unlicensed surplus lines insurer. The licensed brokers for EIB are: Rick J. Lindsey (except in CA) (NPN 91653) & Mike Fennell (Only CA) (NPN 1435429)

Frequently Asked Questions

What types of accounts are a good fit for this Nursing Home Facilities program?

This program is ideal for skilled nursing facilities, long-term care operations, and assisted living centers—especially those with higher risks, prior claims, or unique service offerings.

Can I customize coverage options for my client?

Yes, coverage, limits, and premiums can all be tailored to meet your client’s specific needs. The program is designed for flexibility.

Is this program available in all states?

Yes, it is available in all 50 states plus D.C., although commercial auto coverage is not available in New York.

What makes this program different from standard admitted markets?

This is a non-admitted solution through an excess and surplus lines broker, allowing more flexibility in underwriting and broader coverage options for hard-to-place risks.

How do I get started with a quote?

You can contact the underwriting team directly through the company profile or storefront page to request a free, customized quote.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A Excellent AM Best
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

One South Dearborn, Suite 800
Chicago, IL 60603
312-884-5813
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Prime Insurance Company has other insurance programs like Artisan Contractors.