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Insurance coverage for Underground Storage Tanks is becoming increasi... and heating oil distributors with underground or aboveground storage tanks. Can older tanks still qualify for coverage?Yes, Prime considers older tanks, even when other carriers are non-renewing due to age. However, tanks must not have existing leakage or ...

Insurance coverage for Underground Storage Tanks is becoming increasi... and heating oil distributors with underground or aboveground storage tanks. Can older tanks still qualify for coverage?Yes, Prime considers older tanks, even when other carriers are non-renewing due to age. However, tanks must not have existing leakage or ...

Insurance for Aviation Pilots, Training Facilities, Aircraf...ns for student pilots and training facilities, including instructor liability ...

...p. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational In... Commercial Use Only, No Personal Tanks

As an independent agent serving fitness professionals, you understand the unique risks your clients face. Whether they’re leading a bootcamp, teaching yoga, or offering personal training sessions, fitness instructors work closely with clients in physically demanding environments—where the potential for injury, liability claims, and property damage is high. That’s where Prime Insurance Company steps in. Our Fitness Instructors Insurance program is designed to provide robust liability protection across a wide range of fitness disciplines. With coverage available in all 50 states and Washington, DC, this program is an ideal solution for agents looking to place business for independent instructors, small fitness studios, or mobile trainers. Ideal Accounts and Target Classes This program is suitable for individual fitness instructors or small training businesses operating across a variety of disciplines. Whether your client teaches in-person, virtually, or at multiple locations, Prime Insurance Company helps safeguard them from common legal exposures. Target Classes Include: Cardio Kickboxing Personal Training Pilates Tai Chi Yoga Zumba Acro Dance Fitness Bootcamp Spinning Aerobics Aquatic Exercise Tumbling +Many More Even when instructors follow proper safety guidelines and training protocols, they can still be held liable when something goes wrong. Statistics show that over 970,000 fitness-related injuries were treated in U.S. hospitals between 1990 and 2007. Don’t let your clients go unprotected. Coverage Highlights and Advantages The program offers tailored coverage designed specifically for the fitness industry. Whether your client is working one-on-one or leading group sessions, Prime Insurance Company provides critical protection against the most common exposures. Coverages Offered: Legal Liability Professional Liability Medical Expense Bodily Injury Property Damage Personal Injuries Abuse, Molestation, and Sexual Misconduct This makes the program especially attractive for instructors working with minors, seniors, or vulnerable populations, where allegations of misconduct can carry severe consequences—even if unfounded. Underwriting and Program Notes Prime Insurance Company offers flexible options for fitness professionals of all experience levels. Whether you’re working with a new instructor launching their first business or a seasoned trainer expanding into new markets, our underwriters can assess and respond quickly to submissions. Coverage is available in all 50 states and Washington, DC. Submissions are reviewed on a case-by-case basis, and Prime aims to provide fast turnarounds and competitive solutions for both standard and higher-risk classes. Why Work With Prime Insurance Company As a direct carrier, Prime Insurance Company has the authority and flexibility to tailor coverage to fit your client’s individual needs. We specialize in niche liability markets and provide an all-in-one insurance solution for fitness professionals. Agents benefit from responsive underwriting, broad appetite, and the ability to place both straightforward and challenging risks under one roof. If you have a client who runs a community Zumba class, operates a mobile personal training business, or teaches aquatic fitness at a local gym, Prime Insurance Company can help you deliver the coverage they need—with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent fitness instructors, personal trainers, and small group class leaders across a wide range of disciplines, including yoga, Pilates, bootcamps, and more. Is coverage available nationwide?Yes, the Fitness Instructors Insurance program is available in all 50 states and Washington, DC. What are the key coverages included?The program includes legal liability, professional liability, medical expense, bodily injury, property damage, personal injury, and abuse/molestation coverage. Can I place business for instructors who work virtually or at multiple locations?Yes, Prime Insurance Company can accommodate fitness professionals who offer services online or across various locations. How quickly can I get a quote?Prime Insurance Company offers a streamlined submission process for fast quotes. Reach out to their underwriting team to get started. Need help placing an account? Connect with a market specialist.

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.

...tions such as: Airports and aviation fueling facilities Auto dealerships and fleet oper...et underwriting criteria. However, underground tanks older than 30 years and aboveground tanks larger than 49,999 gallons are res...

As an artisan contractor, you’re looked to as an expert in the field! Artisan Contractors face a wide range of risks depending on the trade and scope of work. From electrical hazards and roofing falls to property damage and payment disputes, the right insurance coverage is essential to protect both the contractor and their business. With over 150,000 Americans seeking medical treatment each year due to roofing-related accidents alone, the need for specialized liability coverage is more urgent than ever. Lawsuits involving artisan contractors are becoming increasingly common. Unlike traditional employees, artisan contractors often operate independently, and their employers are typically not held vicariously liable for their actions. This makes it critical for contractors to carry their own insurance—and for agents to place them with a carrier that understands their unique exposures. That’s where Prime Insurance Company comes in. We offer a comprehensive specialty liability solution tailored to the needs of artisan contractors. Our all-in-one approach provides agents direct access to experienced underwriters, claims professionals, and risk managers to help craft the most appropriate coverage for each insured. Ideal Accounts and Trades We Cover We work with a wide variety of artisan contractors, including but not limited to: • Plumbers • Electricians • Carpenters • Roofers • Masons • Landscapers • Drywall Installers • Paving Contractors • And many more Whether your client is a solo contractor or manages a small crew, we can help design a policy to meet the unique exposures of their trade. Coverage Highlights and Advantages Key coverages available include: • General Liability • Builders Risk • Commercial Auto *Not available in NY • Heavy Equipment • Coverage in all 50 states *Please note: Workers' compensation is not offered as part of this program. We specialize in hard-to-place risks and unique exposures. Whether the insured has a complex loss history or operates in a high-risk trade, our team will work with you to find solutions. Underwriting Approach Our underwriting team evaluates each risk on its own merits. No two artisan contractors are the same, and neither are our policies. We’re flexible, solution-focused, and committed to helping agents find placement for clients who may not fit the standard market. Territories and Availability This program is available in all 50 states, including 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, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Prime Insurance Company? Prime Insurance Company is a direct carrier with a strong track record of supporting artisan contractors and the agents who serve them. We offer: Custom coverage for high-risk and unique contractor classes Direct access to underwriting, claims, and risk management teams Non-admitted solutions available in all 50 states Responsive service and quick turnaround on submissions Whether your client is a first-time contractor or a veteran with a challenging risk profile, Prime Insurance Company has the tools and experience to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors such as roofers, electricians, plumbers, landscapers, and similar trades, especially those with challenging risk profiles or unique operations. Is coverage available nationwide?Yes, the Artisan Contractors program is available in all 50 states. Commercial Auto coverage is offered in most states but is not available in New York. Does this program include workers’ compensation coverage?No, workers' compensation coverage is not included or offered through this program. Can I place business for contractors with prior claims or losses?Yes, Prime Insurance Company considers accounts with prior loss history and works with agents to find solutions for harder-to-place risks. What types of vehicles can be covered under the Commercial Auto option?The Commercial Auto coverage can include vehicles used for business operations, but availability and eligibility depend on the state and the specific risk. Note that this option is not available in NY. Need help placing an account? Connect with a market specialist.

...erty coverage for equipment and facilities Participant accident and medical ...

Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.