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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. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include watercraft rental businesses, parasailing operators, jet ski and wakeboard instructors, and other water sports-related operations—even those with prior claims or high-risk activities. Is prior loss history a dealbreaker?No. Prime specializes in underwriting tough risks, including accounts with prior claims or coverage lapses. Each submission is evaluated individually. What coverages are typically included?Policies can include general liability, property coverage, participant accident, and watercraft liability depending on the insured’s specific operations. Is this program available in all states?Yes, this water sports insurance program is available in all 50 states and Washington, DC. Do you offer coverage for hydro flying or flyboarding?Yes. Prime considers many high-risk water sports activities, including hydro flying, flyboarding, and similar operations. Need help placing an account? Connect with a market specialist.

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Designed for outfitter and guide operations with gross receipts under $750,000; retail cannot exceed 80% of the total receipts, and owned lodging cannot exceed 50% of total receipts. The insured must have been in business for at least one year or three years of equivalent experience to be eligible. For operations with more complex coverage needs, please see our Outfitters and Guides Large Operations program or contact K&K at 800-440-5580 to speak with an underwriter. - Minimum premium: $1,050. Eligible Operations for Outfitters and Guides Limited Operations Insurance: - Backpacking - Bicycle rental (no stand-alone - Owned lodges and cabins (must be 50% or less of operations) total revenues) - Bicycling tours (guided, less - Paddlefit than 50 miles) - Paddling schools - Campgrounds (must be 50% or - Paddling less of total revenues) - Paddleboarding (including - Camping stand-up) - Cross-country skiing (must be - Retail sales (must be 80% or less 20% or less of total revenues) of total revenues) - Eco tours - Shoreline sailing (less than 1 mile - Fishing (guided or from shore and must be 10% or non-guided) less of total revenue) - Hiking (guided) - Hunting (guided) - Skimboarding - Snorkeling (must be 10% or - Kayak, canoe, raft, tube, paddle, less of total revenues) and surfboard rental - Snowshoeing - Operations - Class I, II, III - Surfing rivers, flatwater - Windsurfing - Livery, shuttle, or transport services for the organization's operations Coverages Available & Program Highlights: General Liability - General Aggregate Limit $5,000,000 - Personal & Advertising Injury - Damage to Premises Rented to You - Medical Payments EXCLUDED - Products-Completed Operations Aggregate Limit - Each Occurrence Limit up to $3,000,000 Equipment and Contents - $250-$1,000 deductible (depends on limits) - General Liability coverage must be purchased in conjunction with - Equipment and Contents - All items must be insured to 100% replacement cost value - No single item valued over $5,000 individually Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

As an insurance agent or broker working with outdoor adventure businesses, you understand the importance of protecting clients operating in high-risk environments. Prime Insurance Company offers a comprehensive, non-admitted program tailored specifically for outfitters, guides, and instructors. Whether your client leads fishing expeditions, zip line tours, or snowmobile trips, this program is designed to help safeguard their operations against liability and financial loss. This program is built for professionals who lead others into nature’s wildest terrain—where accidents can happen, even with the most experienced staff and safety protocols. Through Prime’s all-in-one approach, insureds benefit from direct access to underwriting, risk management, and claims handling, ensuring a responsive and customized experience for each operation. Ideal Accounts and Risk Classes: ATVs and UTVs Bicycle Tours and Rentals Camping, Hiking, and Rock Climbing Guides Guest Ranches and Equine-Based Activities Hunting and Fishing Outfitters River Rafting and Kayaking Tours Zip Line and Ropes Courses Jet Ski, Boating, and Other Water Sports Winter Activities (e.g., snowmobiling, skiing) Youth-at-Risk Programs And many more outdoor adventure operations Coverage Highlights and Benefits: Customized policies based on client operations and risk profile Direct access to underwriting without extra layers Risk management support tailored to outdoor exposures Claims handled in-house for faster resolution All-in-one policy structure for broader protection Underwriting Considerations: Each submission is underwritten individually, with a strong emphasis on safety protocols, guide/instructor experience, and operational details. While no minimum premium is listed, this non-admitted program is designed for businesses that understand the importance of specialized coverage and risk management. Territorial Availability: Available in all 50 states and Washington, DC, including high-outdoor-activity states like CO, MT, UT, CA, AK, and WY. This wide availability supports agents working with clients across multiple regions or with multi-state operations. Why Work With Prime Insurance Company: Prime Insurance Company is a Managing General Agency with deep expertise in high-risk and specialty markets. Their hands-on underwriting, in-house claims handling, and flexible approach to unique outdoor exposures make them an ideal partner for agents serving outfitters, adventure companies, and youth-focused programs. You can count on Prime for creative, responsive solutions where standard markets may fall short. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients involved in outdoor adventure activities such as guided hunting trips, whitewater rafting, ATV tours, zip lines, and youth camps with high-risk exposures. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, DC, making it a strong option for agents with multi-state clients or operations. What makes Prime’s program different from standard markets?Prime offers a custom underwriting approach, all-in-one policy structure, and in-house claims management, making it well-suited for complex or non-standard risks. Can I access underwriters directly for this program?Yes. Prime provides direct access to underwriters, allowing agents to discuss risks and tailor coverage more efficiently. Are there specific safety or experience requirements?Yes, underwriting considers the experience of guides/instructors, safety protocols, and operational details when evaluating each submission. Need help placing an account? Connect with a market specialist.