https://completemarkets.com/company/primeis/Real-Estate-Agents/
Real Estate Agents face a wide range of professional liability risks—regardless of experience or how diligent they are in serving their clients. From errors in property listings to disputes over disclosures and contracts, the potential for claims is ever-present. That’s why it’s essential for agents and brokers to help their real estate clients secure comprehensive coverage designed for their unique exposures.
Real Estate Agent Insurance Solutions From Prime Insurance Company
With more than 30 years of underwriting experience, Prime Insurance Company offers tailored liability insurance solutions for real estate professionals. Our program is specifically designed to address the risks faced by both individual agents and firms working in real estate sales, appraisals, and auctions. We understand that real estate professionals often prioritize client needs over their own risk management, so we help you deliver peace of mind with flexible, responsive coverage options.
Ideal Accounts and Target Classes
This program is ideal for a wide range of real estate professionals, including:
Independent Real Estate Agents
Real Estate Firms
Appraisal Firms
Auctioneers
Independent Brokers
If you have clients who are launching new real estate ventures or expanding into high-risk property types, Prime can often offer options where others decline. For example, you might have a client who’s a sole proprietor real estate agent handling both residential and commercial listings—this type of account is a strong fit for our program.
Coverage Highlights and Advantages
Professional liability tailored to real estate professionals
Legal defense and indemnity coverage for covered claims
No minimum premium requirements
Coverage available for both admitted and non-admitted markets
Fast turnaround—quotes typically within 48 hours; same-day quotes available upon request
In the event of a claim, Prime Insurance Company will be the trusted partner you and your client need, providing legal defense and covering damages up to the policy limit.
Underwriting Notes and Submission Requirements
We do not have a minimum premium requirement, giving you the flexibility to place accounts of all sizes. However, we require complete and accurate submission documentation before binding coverage. This ensures we can offer the best possible terms and pricing for your client’s risk profile.
Territories and Availability
This Real Estate Agents program is available in all 50 states and Washington, D.C., 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?
As a carrier with deep expertise in niche liability markets, Prime Insurance Company offers flexible underwriting, responsive turnaround times, and a broad appetite for real estate-related risks. Whether you're working with a startup real estate firm or a seasoned independent agent, we can help you deliver custom insurance solutions that protect your clients and strengthen your relationships.
Partner with Prime to access a reliable, experienced market that understands the unique challenges of insuring real estate professionals.
Frequently Asked Questions
What types of accounts are a good fit for this Real Estate Agents program?This program is ideal for independent real estate agents, real estate firms, appraisal firms, auctioneers, and independent brokers across both residential and commercial sectors.
Is there a minimum premium required to bind coverage?No, Prime Insurance Company does not require a minimum premium. However, all required documents must be submitted before coverage can be bound.
How quickly can I get a quote for my client?Quotes are typically provided within 48 hours. Expedited, same-day quotes are available upon request for urgent submissions.
Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C.
What makes Prime Insurance Company a strong partner for real estate risks?With over 30 years of underwriting experience, Prime offers flexible, customized solutions and a strong legal defense capability for real estate professionals facing liability claims.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/primeis/Commercial-Trucking-Insurance
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.
https://completemarkets.com/company/usg/Commercial-Storage-Tanks-Program/
...ships
Commercial/Industrial Facilities
Convenience Stores
Garages/...MA Policy
Inception: FL 2010)
Tanks up to 30 Years Old Commercial Use Only, No
Personal Tanks
Older Tanks May Be Considered with Additional
...
https://completemarkets.com/company/primeis/Water-Sports-Insurance/
...erty coverage for equipment and facilities
Participant accident and medical ...
https://completemarkets.com/company/primeis/Repossession-Towing-Insurance/
... Towing operators with impound or storage lots
Firms handling high-value o...
https://completemarkets.com/company/primeis/Golf-Cart-Insurance/
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.
https://completemarkets.com/company/primeis/Winter-Activity-Insurance/
Tis the Season!
Overview — Winter Activity Insurance from Prime Insurance Company
Sleigh rides, ice skating, tree lighting ceremonies, and festive markets bring joy to communities each winter—but they also create seasonal exposures that many business owners overlook. Crowds, icy surfaces, temporary equipment, and event-related operations can quickly result in accidents and liability claims. Prime Insurance Company offers customizable Winter Activity Insurance designed specifically to help agents place and protect seasonal operations.
Our program provides core liability and property protections for operators of seasonal events and attractions. It’s built to make placement easier for accounts that may have complex histories or elevated risk profiles, while still offering flexible limits and coverages to match an insured’s needs.
Who We Help
Christmas markets and holiday pop-ups
Sleigh ride operators and traveling attractions
Holiday festivals, tree lighting ceremonies, and ice skating events
Christmas tree lots and seasonal retail lots
Other winter-themed special events and attractions
And more seasonal operations
Whether your client runs a community tree lighting or operates a traveling sleigh ride business, Prime’s program can be tailored to address the typical winter exposures—from slips and falls on icy walkways to equipment-related injuries and temporary structures.
Coverage Highlights
General Liability
Hired and Non-Owned Auto Liability
Commercial Auto Insurance *Not available in NY
Inland Marine (equipment and mobile property)
Commercial Property Insurance for seasonal assets
Bodily Injury coverage tied to event operations
Coverages can be combined or modified to reflect the scale and duration of the operation, seasonal staffing, and whether the event uses rented or owned equipment.
Example Fit
You might have a client who operates a seasonal Christmas tree lot that hires temporary staff for a few months a year. They need affordable liability protection and coverage for high foot traffic, icy walkways, and onsite equipment. Prime’s Winter Activity Insurance can be customized to meet those needs—even for accounts with a prior claim or unique exposure.
Underwriting Notes
We consider risks with prior losses and nonstandard histories.
Admitted and non-admitted placements are available; the option depends on the risk profile and state filing requirements.
High-risk locations, including coastal or high-traffic urban sites, can be considered with appropriate terms.
Commercial Auto is available in most states; New York is excluded for Commercial Auto on this program.
If you have an account with unusual operations or prior claims, bring the submission — Prime’s underwriting team has experience with hard-to-place seasonal risks and will work with you to find workable terms.
Territories and Availability
This Winter Activity Insurance program is available in all 50 states and Washington, D.C., with admitted and non-admitted options depending on state requirements and the nature of the risk.
Why Work With Prime Insurance Company?
Prime Insurance Company brings focused underwriting for niche and seasonal risks. Our strengths for agents include:
Flexible underwriting for accounts with prior losses or unusual exposures
Fast quote turnaround and responsive market support
Coverage availability across all states, including high-risk or coastal areas
Ability to combine liability, auto, inland marine, and property coverages for seasonal operations
No matter the winter activity or the account history—Prime is here to help you protect your clients and keep the seasonal cheer going.
Frequently Asked Questions
What types of accounts are a good fit for this program?We specialize in seasonal winter operations such as Christmas tree lots, sleigh rides, ice skating events, holiday festivals, and similar attractions that draw public foot traffic and have event-related exposures.
Can you write risks with prior claims or losses?Yes. Prime Insurance Company considers accounts with prior claims or difficult histories and offers flexible underwriting for hard-to-place risks.
Is Commercial Auto coverage available nationwide?Commercial Auto coverage is available in most states, but not in New York. Contact us for state-specific availability and options.
Do you offer admitted or non-admitted coverage?We offer both admitted and non-admitted coverage depending on the risk characteristics and state filing requirements.
Which states is this program available in?This Winter Activity Insurance program is available in all 50 states and Washington, D.C.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/primeis/Golf-Cart-Insurance
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.
https://completemarkets.com/company/primeis/Bounce-House-Insurance/
Bounce Houses are Fun—But They Need Serious Insurance
Bounce houses and inflatable attractions are popular at parties, fairs, festivals, and community events. With that popularity comes real liability exposure. From minor sprains to more serious injuries and property damage, inflatable operations face a wide range of risks. If your client rents inflatables or runs an event rental business, they need tailored protection—and Prime Insurance Company’s Bounce House Insurance program is built specifically for that market.
Industry Risk Snapshot:
• Between 2008 and 2013, the U.S. Consumer Product Safety Commission reported 82,203 injuries related to inflatable bounce houses
• 90% of injuries were tied to moon bounces
• Two-thirds of injuries involved arms and legs; the rest affected the head and face
• 9 out of 10 injuries involved children under the age of 14
Program Overview from Prime Insurance Company
Prime Insurance Company is a nationwide, non-admitted carrier that underwrites commercial liability for inflatable rental businesses. The program is designed to help agents place accounts that are difficult for standard markets—whether the client is a new operator, seasonal business, or has prior claims. Underwriting is flexible and focused on assessing the full risk profile so you can secure coverage terms that match the operation and equipment exposures.
Ideal Accounts and Appetite
This program is a strong fit for:
• Bounce house rental businesses
• Event rental companies that include inflatables
• Operators of inflatable obstacle courses, mechanical bulls, and interactive games
• Seasonal, part-time, or start-up operators
• Accounts with prior losses, unusual equipment, or other non-standard exposures
You might have a client who runs a party rental company with bounce houses, inflatable water slides, and a mechanical bull. Even with a history of claims or unusual equipment, Prime can often offer solutions through flexible underwriting and specialty liability expertise.
Coverage Highlights and Advantages
Prime’s Bounce House Insurance program provides liability protections tailored to inflatables and event rentals, including:
• Commercial General Liability—language adapted for inflatable exposures
• Coverage for party and event rental equipment and operations
• Options for mechanical inflatables (bulls), water slides, boxing/wrestling rings, and similar interactive attractions
• Flexible underwriting to address unique or high-risk equipment and operations
• Ability to consider accounts with prior claims or otherwise substandard histories
This program is supported by XINSURANCE, powered by Evolution Insurance Brokers, LC (EIB), providing specialty liability placement support for agents.
Underwriting Notes and Minimum Premiums
Prime evaluates each account on its merits, focusing on safety practices, equipment condition, hours of operation, staffing/supervision, and loss history. There is no publicly listed standard minimum premium — contact Prime’s underwriting team or the XINSURANCE platform for an underwriting review and premium guidance based on the specific risk.
Territories and Availability
Coverage is available nationwide in all 50 states and Washington, D.C. As a non-admitted program, Prime offers agents flexibility to place business that may not qualify for admitted or standard markets.
Why Work With Prime Insurance Company?
Prime specializes in high-risk and niche liability markets. For agents, that means:
• A market that accepts tougher-to-place inflatable and event rental risks
• Underwriting that looks beyond a simple declination and seeks workable solutions
• Nationwide access via a non-admitted platform to broaden placement options
• Backing and placement support from XINSURANCE/Evolution Insurance Brokers for specialty liability accounts
Prime also maintains industry connections—such as membership in the International Association of Amusement Parks and Attractions (IAAPA)—that reflect its focus on this niche.
Frequently Asked Questions
What types of accounts are a good fit for this program?Event rental companies that offer inflatable bounce houses, slides, obstacle courses, or mechanical rides are ideal. Accounts with prior claims or unique equipment are also considered.
Can I place business in all states?Yes, the program is available in all 50 states and Washington, D.C. as a non-admitted offering.
Does this program cover mechanical inflatables like bulls or boxing rings?Yes, Prime offers liability coverage for a wide range of inflatables, including mechanical bulls, wrestling/boxing rings, and similar equipment.
Is prior claims history a disqualifier?No. Prime specializes in tough-to-place accounts and can often work with clients who have substandard claims histories.
Who is the carrier for this program?The program is offered by Prime Insurance Company and powered by Evolution Insurance Brokers (EIB) under the XINSURANCE brand.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/primeis/Cannabis-Dispensary-Insurance/
If your clients operate cannabis dispensaries—whether they grow, sell, or distribute medical and/or recreational cannabis—making sure they have the right insurance protections is essential. With high customer volume, cash handling, and increased regulatory scrutiny, dispensaries face a wide range of exposures. Prime Insurance Company offers a tailored Cannabis Dispensary Insurance program designed to address the specific risks of this evolving industry.
Overview of the Program From Prime Insurance Company
Prime Insurance Company focuses on specialty and hard-to-place risks. The Cannabis Dispensary Insurance program is underwritten on a case-by-case basis with flexible terms and no minimum premium requirement. That approach lets Prime tailor coverage for start-ups, established retailers, multi-location operations, and businesses that add new services such as delivery or armed security.
Ideal Accounts and Appetite
This program is a fit for a broad range of cannabis-related operations, including:
Retail cannabis dispensaries (medical and/or recreational)
Storefront operations and delivery services
Licensed growers and distributors who sell direct to consumers
Multi-location businesses seeking consolidated or coordinated coverage
Prime welcomes accounts with complex risk profiles, including prior claims, high customer counts, or enhanced security needs. Accounts outside appetite typically include unlicensed operations or businesses that engage in federally prohibited activities beyond state-legal cannabis commerce.
Coverage Highlights and Advantages
Prime’s program offers a comprehensive suite of coverages designed for dispensary exposures. Available coverages include:
• Assault and Battery
• Excess Coverage
• General Liability
• Personal Injury Coverage
• Product Liability
• Property Liability
• Business Auto *Not available in NY
• Security Personnel
• Cargo Insurance
• Business Interruption
• Special Events
• Errors and Omissions
• Firearms, Concealed Carry Liability
Note: Some coverages (for example commercial auto or admitted paper) are not available in every state. Prime will review each submission to determine eligible coverages and placement options.
Underwriting Notes and Minimum Premiums
There are no required minimum premiums for this program; Prime evaluates each risk on its own merits. Underwriting focuses on compliance (licensing and state regulations), security protocols, inventory controls, cash handling procedures, product labeling/packaging, and loss history. Providing clear documentation of licensing, security plans, and loss prevention measures helps speed binding and obtain the most favorable terms.
Territories and Availability
This program is available in most U.S. states. Prime can write accounts across a wide footprint, 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, WY. Availability of admitted vs. non-admitted paper varies by state and coverage line.
Why Work With Prime Insurance Company on Cannabis Dispensary Risks
Prime brings underwriting expertise in specialty and emerging markets, with a hands-on review process and the flexibility to consider non-standard risks. Turnaround tends to be fast when submissions include complete licensing and security details. Prime is a good option when you need an insurer willing to evaluate accounts with prior losses, higher customer throughput, or added services like delivery and on-site security.
Example accounts you can place with this program: a retail dispensary that recently added delivery and needs product liability plus hired-security liability; or a multi-location operator seeking combined general liability and property coverage across several state-licensed stores.
Frequently Asked Questions
What types of accounts are a good fit for this program?Licensed cannabis dispensaries, growers and distributors—both storefronts and delivery operations—are primary targets. Multi-location and higher-volume retailers are also considered.
Is there a minimum premium required to bind coverage?No. Prime does not impose a minimum premium, allowing you to place small and mid-sized operations as well as larger accounts.
Are accounts with prior losses or claims eligible?Yes. Prime reviews accounts individually and is open to placement for risks with prior claims, subject to underwriting review and loss-control measures.
Is commercial auto coverage available in all states?No. Business auto availability varies by state and coverage type; Prime will confirm eligibility during underwriting.
Can this program cover armed security or firearms liability?Yes. Coverage options include firearms and concealed carry liability where appropriate and where permitted by state regulations.
Need help placing an account? Connect with a market specialist.