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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.

... Towing operators with impound or storage lots Firms handling high-value o...

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

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.

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.

Comprehensive Snow Plow Insurance Solutions from Prime Insurance Company Snow plowing operations carry elevated and specific risks: heavy equipment working on public roads and private property, variable weather and surface conditions, and intensive seasonal schedules. Prime Insurance Company offers a Snow Plow Insurance program designed for snow removal contractors, landscaping firms that provide winter services, municipal subcontractors, and fleet operators with plow-equipped vehicles. Our goal is to give agents a dependable market for hard-to-place winter service risks. Demand for snow removal, salting, and deicing services has grown across the U.S., and many standard carriers either exclude this work or price it out of range. Prime focuses on these niche exposures and provides flexible, all-in-one solutions that balance protection with competitive pricing. Ideal Accounts and Appetite This program is a strong fit for: Commercial and residential snow removal contractors Municipal plow operators and subcontractors Landscaping companies that add seasonal snow services Small to mid-size fleet operators with snow plow attachments We underwrite a wide range of accounts — from single-truck operations to multi-vehicle fleets. Prime will also consider submissions with prior claims or challenging loss histories; each account is evaluated on its own merits. Coverage Highlights and Advantages Prime’s Snow Plow Insurance program offers broad coverages tailored to the exposures of winter service businesses, including: General Liability Property Damage Bodily Injury Personal Injury Policies are customized to match operations, routes, and contract obligations. We work with agents to identify gaps — for example, operations that require higher limits for municipal contracts or additional protections for subcontracted work. Underwriting Notes and Minimum Premiums Prime accepts submissions regardless of prior claims; high-frequency or severe losses do not automatically eliminate an account. Underwriting focuses on operational controls, training, maintenance practices, and contract wording. Common items that can improve placement prospects include driver hiring standards, vehicle maintenance logs, clear route plans, and written subcontractor agreements. Minimum premiums vary by state, exposure, and coverages requested. For specific quote guidelines and minimum premium information, please contact Prime’s underwriting team. Territories and Availability This program is available in most U.S. states, including high-snowfall regions. Available 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, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted Status: Most Available States Why Work With Prime Insurance Company? As a wholesale broker with a strong appetite for specialty and hard-to-place risks, Prime Insurance Company provides: Customized coverage for seasonal and year-round snow plow operations A willingness to underwrite accounts with prior claims or nonstandard operations Direct access to underwriting for fast, practical quote responses Ongoing support through binding and policy servicing Example accounts that typically place well here: a landscaping contractor that switches to snow removal in winter and needs short-term added liability protection; or a municipal subcontractor with multiple plow-equipped trucks seeking higher limits and flexible terms. In both cases, Prime works with agents to structure coverages that match contract requirements and operational realities. Visit our Prime Insurance Company profile to learn more, or go directly to the Snow Plow Insurance program page to get started. Frequently Asked Questions What types of accounts are a good fit for this Snow Plow Insurance program?Prime is a good market for snow removal companies, landscaping businesses that offer winter services, municipal contractors, and operators with single trucks or fleets. We underwrite both new ventures and established firms. Can you write accounts with prior claims or loss history?Yes. Prime specializes in tougher risks and will consider accounts with previous claims. Each submission is reviewed on its own merits, and we work with agents to find practical solutions. Do you offer coverage in states with high snowfall?Yes. The program is available in most U.S. states, including high-snowfall regions such as the Northeast, Midwest, and Mountain states. See the full state list above. What coverages are included in the Snow Plow Insurance program?Standard offerings include General Liability, Property Damage, Bodily Injury, and Personal Injury. Policies are tailored to the insured’s operations and contract needs. Is there a minimum premium requirement?Minimum premiums vary by state, exposure, and coverage. Contact Prime’s underwriting team for specific minimums and quote guidelines. Need help placing an account? Connect with a market specialist.

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.