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Insurance for Boat Owners, Renters, and Rental Businesses Prime Insurance Company offers a comprehensive Boat Insurance program tailored for hard-to-place risks and specialty exposures that traditional carriers may decline. Whether your client owns a personal vessel, rents boats for leisure, or operates a boat rental business, this program provides flexible, non-admitted solutions designed to meet unique coverage needs. This program is especially valuable for accounts with prior claims, unusual watercraft types, or high liability exposure. Prime is known for insuring risks that fall outside the box, and their underwriting approach is responsive and solution-oriented. If standard markets have turned your client away, Prime may be the answer. Ideal Accounts and Target Classes You can place a wide range of personal and commercial boat risks through this program, including: Speedboats, pontoon boats, fishing boats, houseboats, yachts, banana boats, and tiki boats Kayaks, canoes, and paddle boats Jet skis, hydroflying equipment, and personal watercraft Rental boats and rental personal watercraft This program is ideal for clients who operate rental fleets, provide guided water tours, or own high-performance or custom-built vessels. You might have a client running a seasonal tiki boat cruise business or a property owner offering paddleboat rentals at a lake resort—these are the kinds of risks Prime is equipped to underwrite. Coverage Highlights and Advantages Prime Insurance Company offers flexible and customizable boat insurance coverage, including: Liability coverage for bodily injury, property damage, and third-party claims Specialty liability for rental operations and business exposures Hull and physical damage coverage Coverage available even if declined by prior carriers Options for high-risk or prior-loss accounts With over 12 million registered personal watercraft in the U.S., boating accidents are common and often result in costly litigation. This program helps protect your clients from financial harm caused by injury claims, property damage, and legal expenses. Underwriting Notes As a non-admitted program, this offering allows for more flexibility and customization than admitted markets. Prime evaluates each risk individually and can often provide terms where others cannot. There is no published minimum premium, but submissions should be complete and include details on the type of vessel, usage, prior losses, and any business operations involved. Available States The Boat Insurance program is available in nearly all U.S. states, including but not limited to: CA, FL, TX, NY, and WA. Full availability includes 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. Why Work With Prime Insurance Company? Prime Insurance Company is a trusted Managing General Agency with a reputation for insuring unique and hard-to-place risks. Agents benefit from in-house underwriting, fast turnaround times, and a willingness to find solutions for non-standard exposures. If your client has been denied coverage elsewhere or needs tailored liability protection for boat-related risks, Prime’s program gives you a viable path forward. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for personal and commercial boat owners, rental operations, water tour companies, and clients with non-standard or high-risk watercraft. Can Prime offer coverage if my client has been declined elsewhere?Yes. Prime specializes in risks that traditional carriers often decline, including accounts with prior losses or unusual exposures. Is this program available for boat rental businesses?Yes. The program includes liability and property coverage options for rental boats and personal watercraft businesses. What types of watercraft are eligible?Eligible watercraft include speedboats, yachts, pontoon boats, jet skis, kayaks, canoes, paddle boats, tiki boats, and more. In which states is this program available?The program is available in most U.S. states, including CA, FL, TX, NY, and many others. Check with Prime for full state availability. Need help placing an account? Connect with a market specialist.

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Specialty Insurance Online (SIO) is a trusted partner for independent insurance agents looking to place niche personal lines business. As part of Mexico Insurance Online Professionals, we focus exclusively on specialty risks—allowing us to deliver expert-level support, top-tier carriers, and tailored coverage that meets the unique needs of your clients. We are not a generalist MGA; instead, we bring deep expertise in specific personal lines segments, helping you avoid the E&O risk of endorsing standard home or auto policies for specialty exposures. Ideal Accounts and Appetite We specialize in helping agents place business for clients with unique vehicles, travel needs, or non-standard living situations. Our program is a great fit for: Owners of Recreational Vehicles (RVs) and Travel Trailers Clients needing Companion Auto policies Manufactured or Mobile Homeowners Motorcycle and ATV riders Watercraft and Jet Ski owners Commercial Auto risks (available in TX, CA, and GA) Mexico Auto and Travel Insurance clients Mexican nationals traveling to the U.S. by car (Texas agents only) International travelers needing evacuation or health coverage Whether you're working with a snowbird, a cross-border traveler, or a client with a passion for the outdoors, SIO offers dedicated solutions that standard markets often can’t support. Coverage Highlights and Advantages Our platform provides access to competitively priced specialty personal lines products backed by carriers like American Modern and National Interstate Insurance Company, all rated A- or better by A.M. Best. Key advantages of working with SIO: Standalone policies to properly protect specialty risks—no risky endorsements Online quoting and policy issuance tools designed for agent ease-of-use Broad coverage options and continually updated product offerings Expert support from a Managing General Agency with deep niche knowledge Click here to view our full product list. Underwriting Notes and Minimum Premiums Our underwriting approach is flexible yet thorough. Each product line has its own underwriting criteria, and we work closely with our agency partners to ensure proper fit. Minimum premiums vary by product and state. We encourage agents to contact us directly to discuss specific account scenarios. Territories and Availability SIO products are available to agents in all 50 states and the District of Columbia. However, some lines have geographic restrictions: Commercial Auto is only available to agents in Texas, California, and Georgia Mexico Auto/Travel Insurance into the U.S. is available for Texas agents only We support both admitted and non-admitted placements, depending on the product and jurisdiction. Why Work With Specialty Insurance Online? Agents choose SIO because we understand your challenges and prioritize your success. Our streamlined systems, responsive service, and deep product knowledge help you win and retain specialty personal lines business. Whether you're new to this space or an experienced producer, we make it easy to expand your offerings and meet your clients’ specialized coverage needs. We’ve issued hundreds of thousands of insurance certificates through our online platform, and our agent partners appreciate the time savings, product breadth, and expert support we provide. To learn more, visit www.specialtyinsonline.com or reach out to our team today. Frequently Asked Questions What types of accounts are a good fit for this program?We are ideal for clients with specialty personal lines needs such as RVs, mobile homes, motorcycles, watercraft, or cross-border travel. We also support agents placing Mexico auto and travel risks. Is this program available nationwide?Yes, most of our products are available in all 50 states and D.C., though some lines like Commercial Auto and Mexico Travel Insurance have state-specific availability. Do I need separate policies for each specialty risk?Yes, we offer standalone specialty policies to ensure proper coverage and avoid the E&O risks of adding endorsements to standard policies. Which carriers back this program?Our products are underwritten by top-rated carriers such as American Modern and National Interstate Insurance Company, all rated A- or better by A.M. Best. How do I get started placing business with SIO?You can begin by visiting our website or contacting our team to learn more about our products, quoting tools, and appointment process. Need help placing an account? Connect with a market specialist.

ISR is one of the oldest and largest marine insurance brokerage firms in the United States. At International Special Risks we focus exclusively on marine insurance and provide retail agents and brokers with access to top-rated carriers in both the U.S. and London markets. Our team of experienced marine insurance professionals makes it easier for you to place and service marine accounts, no matter how specialized the exposure. We are the specialists in Marine Insurance! Overview of the Program from International Special Risks Whether your client operates a marina, builds vessels, or transports cargo across international waters, ISR is a wholesale partner that helps you place and market marine business. We offer tailored solutions across hull & machinery, marine liability (including marina operators' legal liability), cargo, P&I exposures, and other marine-specific coverages. ISR handles the marketing and placement work, so you can focus on growing and retaining your marine accounts—even if marine insurance isn’t your specialty. We also offer dedicated in-house marine claims support to help expedite resolution and get your clients back to business quickly. Our combination of specialist underwriting relationships and claims expertise is designed to reduce friction on complex marine losses. Ideal Accounts and Appetite ISR works with a broad range of marine-related risks, including: • Marine Contractors • Diving Contractors • Ferries • Boat Builders • Gaming Vessels • Stevedores • Shipyards • Marinas • Excursion Vessels • Dredging Contractors • High-Valued Yachts • Marine Product Manufacturers • Port Authorities • Cargo Vessels • Marine Terminals • Yacht Clubs • Exporters/Importers • Barge and Tug Operators • Boat Dealers • Oceanographic Vessels • Six-Pack Vessels ISR can place small, family-owned marinas through large commercial shipyards and international cargo operators. Typical fits include accounts with clear marine operations, documented maintenance programs, and commercial or recreational vessels scheduled on the program. Less-standard or highly unusual exposures should be discussed up front — we’ll advise whether they fit our appetite or require a special market approach. Examples you might submit: A regional ferry operator with multiple vessels seeking liability and hull coverage for scheduled passenger runs. A waterfront boatyard that needs marina operators' legal liability, property, and pollution liability coverage for repair and storage operations. Coverage Highlights and Advantages Through ISR, you gain access to A.M. Best–rated carriers in both the U.S. and London markets. Key advantages include: Comprehensive marine programs tailored to class of business and risk profile Custom wordings available for hull & machinery, P&I, cargo, marina operators' liability, and pollution exposures Competitive pricing from admitted and non-admitted markets, when appropriate Efficient, experienced in-house marine claims handling and support Dedicated marketing and placement service to save you time We understand the unique loss exposures in marine operations — from shoreline pollution to vessel damage and cargo claims — and structure placements to address those specific risks. Underwriting Notes and Minimum Premiums ISR’s underwriting process is designed for fast turnaround while ensuring appropriate carrier placement. We work with both admitted and non-admitted markets, depending on state regulations and the nature of the risk. Minimum premiums and retentions vary by class and carrier; contact ISR for guidance on expected minimums and the most efficient placement strategy for your submission. Territories and Availability Our marine insurance solutions are available across most U.S. states, including coastal and inland markets. Coverage is available in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability and admitted status may vary by state and coverage line. Why Work With International Special Risks? ISR is a dedicated marine specialist with decades of market presence and established carrier relationships. Our exclusive focus on marine business gives you access to markets and wordings that generalist wholesalers may not offer. We combine underwriting expertise, tailored placement strategies, and in-house claims service to help you place and retain marine accounts with confidence. If you're ready to place a marine account or want a quick review of a submission, contact us today. One of our specialists will respond within one business day. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in a wide range of marine-related businesses, including marinas, shipyards, diving contractors, ferry operators, and cargo vessel owners. Do you work with admitted or non-admitted carriers?We offer access to both admitted and non-admitted markets. Placement depends on the state, client needs, and the specific class of marine risk. Can you help with claims handling?Yes. ISR provides dedicated in-house marine claims specialists who work to manage and expedite claims for your clients. What is the turnaround time for quotes?We strive for fast responses. In most cases we reply within one business day, though complex accounts may require additional information or time. Is this program available in my state?Our marine solutions are available in nearly all U.S. states, including coastal and inland regions. Contact ISR to confirm availability and admitted status for your specific state. Need help placing an account? Connect with a market specialist.