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We are a unique insurance company. The ‘prime’ reason for our success is our unique partnership approach to agents, insureds and markets. We partner with agents and brokers and provide custom underwriting expertise and offer innovative solutions when other carriers decline coverage. We do not interfere with your current markets. We have the in house expertise and staffing to respond quickly with expertise and accurate quotes. We adapt constantly to the needs of insureds, and provide them with top-notch service with support, claims management. We have a proven track record of fighting frivolous litigation, something you do not see many of our competitors do. Hard to place risks, creative underwriting and superior customer service combined with our many markets and our stellar track record make Prime Insurance a logical choice for all agents and brokers. As an agent/broker - If you care about providing quality products and services to your clients, then you should partner with Prime.

Commercial trucking is changing rapidly—labor shortages, emerging autonomous-driving technologies, and increasingly severe weather are reshaping risk profiles. At the same time, many large carriers are reducing capacity in the commercial auto space, leaving agents with fewer options for hard-to-place trucking risks. Overview Prime Insurance Company brings nearly 30 years of focused experience in commercial trucking insurance. Our Commercial Trucking Insurance program is designed for agents who need flexible, underwriting-driven solutions for fleets and independent operators alike. We underwrite tougher risks others may decline and work with agents to structure coverages that match a client’s actual operations. Ideal Accounts and Appetite Our appetite covers a broad cross-section of commercial auto classes. We write single-vehicle operators up to large fleets and are particularly effective for accounts that have trouble finding coverage in the standard market. Target classes include: Long-haul trucking Business commercial auto (company fleets and delivery vehicles) Taxi cabs and rideshare vehicles School and airport buses Black car and limousine services Auto fleets and new-venture operators We also consider non-traditional operations, distressed risks, and accounts with prior losses or limited operating history. If a client was declined elsewhere because of their operating history, new DOT number, or unique vehicle use, bring the account to us for review. Coverage Highlights and Advantages Prime offers a broad suite of coverages that can be combined to meet your client’s exposures. Available options include: Auto Liability Auto Physical Damage Motor Truck Cargo Drive Away Coverage Terminal Operations Hired & Non-Owned Auto (HNOA) Commercial Truck Coverage New Operators Coverage Excess Liability Coverage This flexibility helps agents put together compliant programs that address liability, physical damage, cargo exposure, and operations at terminals or yards. Underwriting Notes and Minimum Premiums We evaluate risks on an individual basis and are open to new ventures and accounts with prior claims. Underwriting focuses on the nature of operations, driver hiring and safety programs, maintenance practices, and loss history. Minimum premiums vary by class and state; our underwriting team will work with you to align coverage and budget. Territories and Availability Prime’s Commercial Trucking Insurance program is available in nearly every U.S. state. Currently offered in: 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 Some coverages may be available on an admitted basis in select states. Why Work With Prime Insurance Company? Prime is a carrier that focuses on underwriting solutions for commercial auto risks that are outside the standard appetite. Our strengths for agents include: A specialty focus on trucking and commercial auto with nearly three decades of experience Willingness to consider new ventures, higher-risk operations, and accounts with prior losses Responsive underwriting and quick turnarounds to help close placements Flexible coverage packages that can be tailored to each client’s fleet and exposures Example scenarios that fit our program: You have a small fleet of long-haul trucks with a recent loss history and a new DOT number—Prime will review the overall risk and consider tailored terms. A client operates a mixed-use fleet (shuttles, delivery vans, and a few limousines) and needs a single program to cover liability, physical damage, and hired/non-owned exposures—our package options can be combined to fit. To discuss a specific account or learn more about Prime’s Commercial Trucking Insurance program, visit our company profile or go directly to our program page. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong fit for long-haul trucking, taxi and rideshare services, airport and school buses, black car and limousine services, and other commercial auto operations—including new ventures and hard-to-place risks. Is this program available for new trucking businesses?Yes. We offer coverage for new operators and new ventures, including those with limited operating history or prior claims. Can I offer coverage for hired or non-owned vehicles?Yes. Hired & Non-Owned Auto coverage is available as part of our program options. Which states are eligible for this program?The program is available in most U.S. states (see the territories list above). Some coverages may be offered on an admitted basis depending on the state and risk. Does Prime Insurance Company write excess coverage for trucking risks?Yes. Excess liability is available and can be added where appropriate for the account. Need help placing an account? Connect with a market specialist.

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We are a unique insurance company. The ‘prime’ reason for our success is our unique partnership approach to agents, insureds and markets. We partner with agents and brokers and provide custom underwriting expertise and offer innovative solutions when other carriers decline coverage. We do not interfere with your current markets. We have the in house expertise and staffing to respond quickly with expertise and accurate quotes. We adapt constantly to the needs of insureds, and provide them with top-notch service with support, claims management. We have a proven track record of fighting frivolous litigation, something you do not see many of our competitors do. Hard to place risks, creative underwriting and superior customer service combined with our many markets and our stellar track record make Prime Insurance a logical choice for all agents and brokers. As an agent/broker - If you care about providing quality products and services to your clients, then you should partner with Prime.

We are a unique insurance company. The ‘prime’ reason for our success is our unique partnership approach to agents, insureds and markets. We partner with agents and brokers and provide custom underwriting expertise and offer innovative solutions when other carriers decline coverage. We do not interfere with your current markets. We have the in house expertise and staffing to respond quickly with expertise and accurate quotes. We adapt constantly to the needs of insureds, and provide them with top-notch service with support, claims management. We have a proven track record of fighting frivolous litigation, something you do not see many of our competitors do. Hard to place risks, creative underwriting and superior customer service combined with our many markets and our stellar track record make Prime Insurance a logical choice for all agents and brokers. As an agent/broker - If you care about providing quality products and services to your clients, then you should partner with Prime.

We are a unique insurance company. The ‘prime’ reason for our success is our unique partnership approach to agents, insureds and markets. We partner with agents and brokers and provide custom underwriting expertise and offer innovative solutions when other carriers decline coverage. We do not interfere with your current markets. We have the in house expertise and staffing to respond quickly with expertise and accurate quotes. We adapt constantly to the needs of insureds, and provide them with top-notch service with support, claims management. We have a proven track record of fighting frivolous litigation, something you do not see many of our competitors do. Hard to place risks, creative underwriting and superior customer service combined with our many markets and our stellar track record make Prime Insurance a logical choice for all agents and brokers. As an agent/broker - If you care about providing quality products and services to your clients, then you should partner with Prime.

We are a unique insurance company. The ‘prime’ reason for our success is our unique partnership approach to agents, insureds and markets. We partner with agents and brokers and provide custom underwriting expertise and offer innovative solutions when other carriers decline coverage. We do not interfere with your current markets. We have the in house expertise and staffing to respond quickly with expertise and accurate quotes. We adapt constantly to the needs of insureds, and provide them with top-notch service with support, claims management. We have a proven track record of fighting frivolous litigation, something you do not see many of our competitors do. Hard to place risks, creative underwriting and superior customer service combined with our many markets and our stellar track record make Prime Insurance a logical choice for all agents and brokers. As an agent/broker - If you care about providing quality products and services to your clients, then you should partner with Prime.