Search CompleteMarkets

... and diesel distributors Liquid propane (LP) dealers Home heating fuel pro... carrier backs this program?The Fuel Dealers/Haulers program is backed by an A...

... and diesel distributors Liquid propane (LP) dealers Home heating fuel pro... carrier backs this program?The Fuel Dealers/Haulers program is backed by an A...

Insurance coverage for Underground Storage Tanks is becoming increasingly difficult to secure, especially as many carriers are choosing not to renew policies due to the age and condition of tanks. Under federal requirements, owners and operators of underground and aboveground storage tanks must demonstrate financial responsibility for corrective actions and third-party liability resulting from accidental releases. This includes bodily injury and property damage claims caused by leaks or spills. Comprehensive Coverage From Prime Insurance Company Prime Insurance Company offers a flexible and robust pollution liability solution for a wide range of tank exposures. Whether your insured operates a gas station, municipal fueling site, or agricultural facility, this program is designed to help you place hard-to-insure accounts with confidence. Ideal Accounts and Target Classes Prime is actively seeking risks across a variety of industries that own or operate aboveground or underground storage tanks. Target classes include: • Gas stations • Airports (aboveground or underground storage tanks) • Trucking companies (with their own gas or diesel tanks) • Governmental entities (municipalities, cities, or towns with fueling operations) • Agricultural risks (farms with on-site fuel tanks) • Heating oil distributors (with aboveground or underground tanks) This program is ideal for insureds who need coverage to meet federal or state financial responsibility requirements, or who are facing non-renewals due to tank age. Coverage Highlights and Features Prime’s policy offers broad protection for pollution-related exposures, including: • Sudden and accidental release coverage • Non-sudden accidental release coverage • Self-Insured Retention (SIR) options for third-party bodily injury/property damage—minimum $10K • Bodily injury/property damage deductible applies to state-mandated corrective action • Occurrence form available *Please note: This coverage excludes prior, existing, or ongoing leakage or contamination. Coverage is suspended during tank modifications, repairs, or replacement. All tanks must comply with state and federal regulations regarding filling and maintenance. Underwriting Notes Prime underwrites each submission individually, offering a flexible and responsive approach to tank-related risks. While there is no stated minimum premium, the SIR and deductible structures are designed to address high-risk exposures with competitive terms. Available Nationwide This program is available in all 50 states plus Washington, DC. Whether your client is in a rural agricultural area or a densely populated urban market, Prime can help you find a solution. Why Work With Prime Insurance Company? As a specialty carrier, Prime Insurance Company has the experience and flexibility to handle complex environmental and pollution-related risks. Their responsive underwriting, broad appetite, and willingness to look at challenging risks make them a strong partner in this difficult class of business. You’ll benefit from direct access to underwriters and a streamlined quoting process—often with same-day turnaround. You might have a client who owns a chain of gas stations and recently lost coverage due to aging tanks. Or a municipality that operates several fueling stations for its service vehicles. Prime can help you place these accounts when others won’t. To get started, visit Prime Insurance Company's CompleteMarkets profile or request a quote directly through the Underground Storage Tanks program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for gas stations, airports, trucking companies, municipalities, farms, 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 contamination and must meet regulatory compliance. Is coverage available in my state?Yes, this program is available in all 50 states and Washington, DC. Does the policy include coverage for both sudden and gradual pollution events?Yes, coverage is available for both sudden and non-sudden accidental releases, subject to terms and underwriting approval. How quickly can I get a quote?Prime offers same-day quoting in many cases. Submit a complete application and necessary tank information to expedite the process. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a tailored Lawyers Professional Liability Insurance program that goes beyond a one-size-fits-all approach. Our high-touch underwriting model is designed to understand the unique risk profile of each law firm—whether large or small, general practice or specialized. We take the time to evaluate how your clients manage risk and operate their practice, helping you place the right coverage for their specific needs. Overview of the Program From ProSight Specialty Insurance With deep expertise in professional liability and a focus on the legal sector, ProSight provides both Primary and Excess Lawyers Professional Liability Insurance. Our solutions are available for a broad range of law firms, including those considered hard to place. Whether your client is a new solo practitioner or a multi-state firm with complex exposures, we can help you find the right protection. Ideal Accounts and Appetite We’re looking for law firms that demonstrate proactive risk management, regardless of size or area of practice. Our appetite includes: Small to mid-sized law firms with 1–50 attorneys Firms specializing in real estate, family law, personal injury, corporate law, or general practice Firms with prior claims history that have improved their risk management strategies You might have a client who is expanding into higher-risk practice areas or a firm that was previously non-renewed due to claims—this program could be a fit. Coverage Highlights and Advantages Primary and Excess coverage available Capacity up to $10 million for qualified risks Admitted and non-admitted options to meet varying state requirements and risk profiles Solutions for standard and hard-to-place risks Our underwriting team evaluates each submission on its own merits, allowing for flexibility and creativity in structuring coverage that fits. Underwriting Notes We do not take a cookie-cutter approach. Each submission is carefully reviewed by experienced underwriters who understand the legal profession and the nuances that come with it. Strong documentation of firm procedures, internal controls, and claims history can help improve the outcome. Territories and Availability Our Lawyers Professional Liability Insurance program is available in most states across the U.S., including but not limited to CA, FL, NY, TX, IL, and GA. We can write both admitted and non-admitted business in many jurisdictions, depending on the firm profile and risk characteristics. Why Work With ProSight As a carrier with deep specialization in professional liability, ProSight brings a unique combination of underwriting expertise, flexibility, and commitment to service. We partner closely with agents and brokers to craft solutions that align with your clients’ evolving needs. If you're looking for a more thoughtful and responsive underwriting experience, ProSight is ready to help. Frequently Asked Questions What types of law firms are a good fit for this program?We target small to mid-sized law firms, including those in general practice, real estate, family law, personal injury, and other common areas. Firms with strong risk management practices are a great fit. Can you write coverage for firms with prior claims?Yes, we consider firms with a claims history—especially those that have taken steps to improve their internal controls and risk management procedures. Do you offer both admitted and non-admitted options?Yes, we provide both admitted and non-admitted coverage depending on the jurisdiction and the risk profile of the firm. Is this program available nationwide?Our program is available in most U.S. states. Please reach out to confirm availability in your client's specific location. What are your coverage limits?We can offer limits up to $10 million for qualified risks, with both Primary and Excess coverage options available. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a dedicated Fire Suppression General Liability Insurance program tailored for small to mid-sized fire sprinkler and suppression contractors. The program is designed for firms that perform installation, testing, service, and repair of fire suppression systems — including fire alarms — and that keep most fieldwork in-house. It is particularly well suited for experienced contractors with disciplined operations and less than 25% of total work subcontracted. Ideal Accounts and Appetite This program targets established contractors in the fire protection sector. Typical accounts include: Commercial fire sprinkler system installers and service contractors Companies that perform system testing, inspections, and maintenance Alarm installation and repair providers tied to suppression systems Best-fit accounts manage most field operations directly and demonstrate a track record of quality work and safety controls. Accounts with heavy subcontracting (over ~25%), primarily residential exposure, or limited experience are less likely to qualify. Coverage Highlights and Advantages ProSight’s Fire Suppression General Liability program combines industry-specific coverage features with a rating approach that reflects operational exposure. Key highlights include: Proprietary payroll-based rating structure that aligns premium to field exposure Professional Liability (Errors & Omissions) extension for covered operations $1 million per occurrence limit (primary) $2 million General Aggregate and $2 million Products & Completed Operations Non-admitted umbrella available up to $5 million where applicable Underwriting Notes This is a non-admitted program underwritten by ProSight Specialty Insurance. There is no published minimum premium, but submissions should represent quality risks with clear safety programs, documented experience, and reasonable loss histories. Expect careful review of subcontracting practices; firms that control most field labor in-house are preferred. Residential-only contractors, high subcontracting ratios, or accounts with recurring unresolved losses are typically declined. Territories and Availability ProSight offers this coverage in most states. The program is available in 49 states plus Washington, DC; confirm eligibility for the specific state before submitting. Why Work With ProSight on Fire Suppression Business? ProSight brings focused underwriting for specialized liability programs and a practical understanding of fire protection exposures. Their payroll-based rating helps align price with actual field exposure, and the included E&O extension addresses design, specification, and other professional exposure that often accompanies suppression work. For brokers and agents, ProSight is a reliable market for technically proficient clients who need tailored liability limits and industry-aware underwriting. Example placements you might consider submitting: a mid-sized commercial sprinkler contractor that installs and services systems for office and retail properties while keeping installation crews on payroll; or a service-focused firm that performs routine inspection and testing for multi-tenant commercial buildings and maintains written inspection protocols and training records. To review ProSight Specialty Insurance’s broader capabilities and other programs, visit their CompleteMarkets company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized commercial fire sprinkler and suppression contractors with less than 25% subcontracted work and demonstrated experience in installation, testing, and servicing of suppression systems. Is this program available on an admitted basis?No. This offering is a non-admitted program underwritten by ProSight Specialty Insurance. What coverage limits are offered?Primary limits include $1 million per occurrence with $2 million General Aggregate and $2 million Products & Completed Operations. Non-admitted umbrella options are available up to $5 million where allowed. Does the program include Errors and Omissions coverage?Yes. A Professional Liability (E&O) extension is included for covered operations related to fire suppression and alarm work. In which states is the program available?The program is available in 49 states and Washington, DC. Confirm state eligibility before submitting a risk. Need help placing an account? Connect with a market specialist.

...tion systems Small to mid-sized propane distributors (subject to program gui...ies, water and sewerage systems, and propane distributors that meet program sa...

ProSight Specialty Insurance offers a robust Excess Workers’ Compensation Insurance Program designed for qualified self-insured entities across a variety of sectors. This is a national admitted program available exclusively through ProSight’s trusted MGA partner, Midlands Management Corporation. If you're an agent or broker seeking a reliable market for self-insured clients in need of excess workers’ comp protection, this program is built to deliver comprehensive coverage solutions. Ideal Accounts and Appetite This program is specifically tailored for: Heterogeneous groups or associations Stand-alone individual self-insured entities Public entities, such as municipalities and school districts All insureds must be certified by their state of domicile to self-insure. The program is ideal for organizations with strong loss control practices and the financial capacity to absorb a self-insured retention (SIR). Coverage Highlights and Advantages Terrorism coverage included SIRs as low as $300,000 Aggregate/Stop Loss protection available Corridor and Inner Aggregate deductibles Employer’s Liability Coverage up to $5 million Out-of-State Coverage for multi-jurisdictional risks Communicable Disease Coverage up to $50 million USL&H coverage up to statutory limits Ability to work with Third-Party Administrators (TPAs) and self-administered programs Optional package coverage including Auto Liability, General Liability, Property, and Umbrella Underwriting Notes and Program Limits Specific Excess: Up to statutory limits Employer’s Liability: Up to $5 million Communicable Disease: Up to $50 million USL&H: Up to statutory limits All coverage is written on an admitted basis in most available states. Territories and Availability This Excess Workers’ Compensation program is available in most states, including but not limited to: CA, TX, FL, NY, IL, and PA. A full list includes over 45 states and the District of Columbia. Please contact Midlands Management Corporation to confirm specific state availability. Why Work With ProSight Specialty Insurance ProSight Specialty Insurance brings a deep understanding of complex self-insured workers’ compensation needs. By partnering with Midlands Management Corporation, ProSight delivers a streamlined distribution model, experienced underwriting, and access to flexible, high-limit coverage designed for public and private entities. Whether your client is a large municipality, a manufacturing association, or an individual employer with a strong risk profile, this program offers the tools and support you need to protect their workforce and financial stability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for qualified self-insured public entities, individual employers, and industry associations with strong risk control practices. Is this program available nationwide?The program is available in most states, including CA, TX, FL, NY, and many others. Always confirm with Midlands Management Corporation for specific state eligibility. What are the minimum self-insured retentions (SIRs) required?SIRs start as low as $300,000, depending on account size, industry, and risk profile. Can this program accommodate multi-state exposures?Yes, the program includes Out-of-State Coverage and can accommodate employers operating in multiple jurisdictions. Does the program allow the use of TPAs or self-administration?Yes, the program supports clients working with Third-Party Administrators or managing claims in-house. Need help placing an account? Connect with a market specialist.

Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs. At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment. Program Highlights Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage. Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators. Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses. Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations. Streamlined submission and underwriting workflow for faster decisions on standard placements. Coverage Limits and Features ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include: Health Care Professional Act: $1M each act / $3M aggregate General Aggregate: $3M; Each Occurrence: $3M Personal Injury / Advertising Injury: $1M Employee Benefits Liability: $1M each act / $1M aggregate Sexual Misconduct coverage: $1M each act / $1M aggregate Hired / Non-Owned Auto: $1M CSL Damage to Premises Rented to You: $50,000; Medical Expense: $5,000 Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable) Ideal Accounts and Appetite ProSight’s Skilled Nursing Insurance program is aimed at: Standalone nursing homes and skilled nursing facilities Assisted living and memory care communities Small to mid-sized owner/operators and managed portfolios with stable operations Accounts willing to engage with loss prevention services and implement non-clinical risk improvements Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services. Underwriting Notes ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state. Territories & Availability Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission. Why Place Skilled Nursing Business with ProSight Specialty Insurance As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations. Example placement scenarios: You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting. A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible. To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources. Frequently Asked Questions What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited. Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding. What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility. What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects. Need help placing an account? Connect with a market specialist.