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Prime Insurance Company
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Prime Insurance Company
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Snowmobile Insurance

Snowmobiles offer exhilarating outdoor experiences, but they also come with serious risks—including accidents, injuries, and liability claims. Whether your client operates a snowmobile rental business, leads guided tours, or teaches snowmobile operation, ensuring they have the right insurance protection is essential. Prime Insurance Company, through XINSURANCE, provides a flexible and customized Snowmobile Insurance program designed to address the unique liabilities associated with snowmobile operations. This program is available on a non-admitted basis in all 50 states plus DC, giving you wide-reaching market access with underwriting flexibility.

Ideal Accounts and Appetite

This program is tailored for both individual operators and commercial snowmobile businesses, including: • Snowmobile rental companies
• Guided snowmobile tour providers
• Snowmobile instructors and trainers
• Outdoor adventure operators that include snowmobiles in their offerings
• Seasonal businesses operating in winter resort areas If you have a client who offers snowmobile rentals at a ski resort or runs backcountry snowmobile tours, this program is built to help you place that business—even if the risk is viewed as challenging due to prior losses or complex exposures.

Coverage Highlights and Advantages

XINSURANCE specializes in high-risk and hard-to-place accounts. The Snowmobile Insurance program includes a range of coverages that can be tailored to your client’s needs: • Excess Medical
• Professional Liability
• Inland Marine
• Physical Damage
• Commercial General Liability
• Alleged Assault and Battery Liability
• Alleged Sexual Abuse and Molestation Liability
• Premises Liability Coverage is available regardless of claims history or business size. Each policy is custom-built to match the specific exposures and operations of your client.

Underwriting Notes

This is a non-admitted program written through Evolution Insurance Brokers, LC (EIB), operating under the XINSURANCE brand. There is no standard minimum premium listed, allowing underwriting flexibility based on risk size, operations, and claims history. Policies are crafted after a thorough review of the insured’s operations, making this program ideal for unique, non-standard, or high-risk accounts that may not fit traditional markets.

Territories and Availability

Prime Insurance Company offers this program nationwide, including all 50 states and Washington, DC. Whether your client operates in snowy mountain regions, rural backcountry, or seasonal resort towns, this program is accessible and adaptable to varying geographic needs.

Why Work With Prime Insurance Company?

XINSURANCE, powered by Prime Insurance Company, has deep experience insuring high-risk recreational and outdoor activities. Their hands-on underwriting approach allows for customized solutions where others may decline coverage. You'll benefit from: • Broad underwriting appetite
• Customized, scenario-based coverage
• Ability to write accounts with prior losses
• Access to specialty liability coverages not typically available in standard markets If you're struggling to place snowmobile-related risks or need a partner who can handle tough accounts, Prime Insurance Company delivers solutions that go beyond standard offerings.

We are here to help all snowmobile operations and can answer any questions you and your client may have. Reach out to us today!

DISCLAIMER: 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 (NPN 5464658). The licensed brokers for EIB are: Rick J. Lindsey (all states except CA) (NPN 91653) & Mike Fennell (only CA) (NPN 1435429).

Frequently Asked Questions

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

This program is ideal for snowmobile rental operators, guided tour providers, instructors, and other commercial snowmobile businesses—especially those considered high-risk or hard-to-place.

Can I place accounts with prior claims or losses?

Yes. Prime Insurance Company reviews each submission individually and is willing to consider accounts with prior loss history, provided there is a clear understanding of the operations and risk management practices.

Is this program available in all states?

Yes. The Snowmobile Insurance program is available on a non-admitted basis in all 50 states and Washington, DC.

What coverages are available under this program?

Available coverages include General Liability, Physical Damage, Inland Marine, Professional Liability, Excess Medical, Alleged Assault and Battery, Alleged Sexual Abuse and Molestation, and more.

How are premiums determined?

Premiums are based on a variety of factors including business size, operations, safety protocols, and claims history. Submissions are reviewed individually to determine appropriate pricing.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • 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.