Specialized Water Sports Insurance From Prime Insurance Company
Water sports are exciting—but they come with unique risks that many standard carriers won’t underwrite. That’s where Prime Insurance Company steps in. As a program administrator offering access to multiple carriers, Prime delivers specialized, non-admitted coverage solutions for a wide range of water sports-related businesses and individuals across the U.S.
Whether your client owns a watercraft rental business, operates a parasailing tour operation, or participates in high-risk activities like hydro flying, Prime can create a custom insurance solution tailored to their operations and risk profile.
Ideal Accounts and Appetite
This program is designed for individuals and companies involved in recreational and commercial water sports. Prime welcomes both standard and hard-to-place risks, including accounts that may have prior claims or higher-than-average exposures. Common classes include:
- Jet ski and personal watercraft rentals
- Boating and fishing tour operators
- Parasailing and wakeboarding businesses
- Kayak, canoe, and paddleboard rentals
- Water skiing and tubing operators
- Hydro flight and flyboarding activities
- Water sports equipment rental and sales
If you have a client with a new operation or one that has been declined elsewhere due to the nature of their water-based activities, this program may be an excellent fit.
Coverage Highlights and Advantages
Prime Insurance Company takes a hands-on underwriting approach, allowing for flexible, tailored policies that meet the specific needs of each insured. Coverage features may include:
- General liability tailored to water sports operations
- Property coverage for equipment and facilities
- Participant accident and medical coverage
- Coverage for watercraft and rental operations
- Defense against liability claims from injuries or accidents
Prime’s all-in-one policy design helps reduce gaps in coverage and streamline the insurance process for complex and high-risk accounts.
Underwriting Notes
Each application is individually underwritten, taking into account the applicant’s experience, safety protocols, and prior loss history. Prime specializes in accounts that may fall outside the appetite of standard markets, including those with past claims or high perceived risk. There is no stated minimum premium, allowing flexibility depending on the scope of operations and risk exposure.
Territories and Availability
This program is available in all 50 states plus Washington, DC. Whether your client is operating on the Gulf Coast, the Great Lakes, or a mountain lake in the Rockies, Prime has the ability to tailor coverage to meet local and regional needs.
Why Work With Prime Insurance Company?
As a trusted program administrator, Prime Insurance Company brings deep expertise in high-risk and specialty markets. Agents benefit from:
- Access to multiple non-admitted carriers
- Custom underwriting for complex risks
- Nationwide availability
- Responsive service and flexible policy design
By partnering with Prime, you can place difficult-to-insure water sports accounts with confidence, knowing your clients are getting the coverage they truly need.