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Prime Insurance Company is a trusted carrier for specialty liability insurance, offering a tailored Repossession-Towing Insurance program designed specifically for towing and repossession operations. With over 30 years of experience in this niche, Prime helps insurance agents place complex or hard-to-insure risks with confidence. Repossession and towing businesses face unique risks that go well beyond standard auto or liability coverage. From damage during vehicle transport to property loss and employee-related liabilities, these operations require specialized underwriting. Prime’s underwriting team understands the nuances of the industry and can identify coverage gaps that often go unnoticed. Ideal Accounts and Appetite This program is built for a wide range of towing and repossession companies, including: Auto repossession agents and firms Towing operators with impound or storage lots Firms handling high-value or specialty vehicles Operations with guard dogs or on-site security personnel You might have a client who runs a 24/7 towing operation with multiple impound lots, or a repossession company that transports vehicles across state lines—both are strong fits for this program. Coverage Highlights and Advantages Prime provides broad and flexible coverage options, designed to manage the full range of exposures in repossession and towing operations. Available coverages include: • Primary Liability • Garage Keeper’s Legal Liability • Wrongful Repossession • Transportation Risk • Liability for Watchdogs Additional risks addressed may include: On-hook towing liability Assault and battery coverage Employee and security personnel liability Firearms and personal property liability Underwriting Notes and Minimum Premiums Prime specializes in hard-to-place and high-risk accounts, often stepping in when higher limits or custom solutions are needed. Minimum premiums vary by account, and coverage is available on a non-admitted basis in many states. Territories and Availability The Repossession-Towing Insurance program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. Some admitted options may be available depending on the state and account. Please contact Prime for specific state availability. Why Work With Prime Insurance Company? Prime Insurance Company brings deep expertise, flexible underwriting, and a commitment to filling coverage gaps that others overlook. They are a reliable partner for agents seeking protection for complex towing and repossession risks. Whether you're placing a new venture, a distressed risk, or a seasoned operation requiring higher limits, Prime has the tools and experience to help you deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for towing companies, vehicle repossession firms, and operations with impound lots, guard dogs, or security personnel. Can Prime write hard-to-place or high-risk towing businesses?Yes, Prime specializes in hard-to-place risks and offers flexible underwriting solutions for unique or high-exposure operations. What coverages are included in the Repossession-Towing Insurance program?Key coverages include Primary Liability, Garage Keeper’s Legal Liability, Wrongful Repossession, Transportation Risk, and Liability for Watchdogs. Is this program available in all states?No, availability varies by state. Prime offers this program in most U.S. states, but agents should confirm state eligibility before quoting. Does Prime offer admitted coverage?Some admitted options are available depending on the state. Most coverage is written on a non-admitted basis. Need help placing an account? Connect with a market specialist.

Repossession Insurance Program Offered by Amwins Underwriting Overview Trinity Underwriting Managers, part of the Amwins Underwriting division, has specialized in underwriting repossession contractors for more than 15 years. The Repossession insurance program is offered through a select group of retail brokers; additional program details are available on Amwins’ site: Repossession insurance program. What this program does for your clients This program is designed for repossession contractors who work closely with financial institutions (banks, credit unions and other reputable lenders). Coverage is tailored to the operational exposures of repossession work — auto liability, physical damage while on-hook or in transit, garagekeepers, and wrongful repo/drive-away exposures — and can be combined with excess limits where needed. Ideal Accounts and Appetite Established repossession contractors with an underwriting history and documented procedures. Firms that regularly handle repossessions for banks, credit unions or large finance companies. Operations that use tow trucks, transport vehicles and secure storage facilities (garagekeepers exposure). Accounts generally outside the program: New ventures without operating history. Pawn shops or businesses whose primary operation is retail pawn rather than repossession contracting. Coverage Highlights and Advantages Auto liability specific to repossession operations. General liability packaged with other coverages (no monoline GL). Physical damage coverage for towed and transported vehicles. On-hook/cargo coverage while vehicles are in transit. Garagekeepers — available as legal liability or direct primary. Wrongful repossession and drive-away coverage options. Excess limits available to respond to larger exposures. Underwriting Notes and Minimum Premiums Underwriting focuses on operating history, claims experience, driver controls, vehicle maintenance, and contracts with lenders. The program does not typically accept monoline general liability submissions. Minimum premiums and final terms vary by state, account size and loss history. Territories and Availability The program is available in the following states: AL, AZ, AR, CA, CO, DE, GA, MD, MS, NJ, OH, OR, PA, TX, VA, WA. Please note: this program is offered through Amwins’ managing underwriter structure and is typically placed on a non-admitted/surplus lines basis where applicable. Example Accounts That Fit You might have a 10-truck repossession company that works under contract for regional banks, with established driver screening and vehicle maintenance records — this program is a good fit. Or a mid-size contractor that provides secured storage (garagekeepers) for repossessed vehicles and needs combined auto, physical damage and wrongful repo coverage with excess limits. Why Work with Amwins Underwriting on Repossession Business Trinity Underwriting Managers brings deep, niche expertise in repossession exposures backed by Amwins’ broader underwriting and distribution capabilities. The program pairs specialized underwriting appetite with flexible coverage forms designed for the unique risks of repossession contractors. Interested in learning more? Please visit our website: Repossession insurance program. *No monoline GL Frequently Asked Questions What types of accounts are a good fit for the Amwins Repossession Contractors program?Established repossession contractors that work for banks, credit unions or other reputable lenders, with documented operating procedures, driver screening and maintenance programs are the primary target. Which coverages are included or available in the program?The program offers auto liability, general liability (no monoline GL), physical damage, on-hook/cargo, garagekeepers (legal liability or direct primary), wrongful repo/drive-away coverage, and excess limits. Are new ventures eligible?New ventures are typically outside this program’s appetite. Underwriting emphasizes operating history and loss experience, so established operations are preferred. What states is the program available in?The program is available in AL, AZ, AR, CA, CO, DE, GA, MD, MS, NJ, OH, OR, PA, TX, VA and WA. How are minimum premiums and terms determined?Minimum premiums and policy terms vary by state, account size and exposure. Underwriting reviews operations, claims history and controls to determine final pricing and structure. Need help placing an account? Connect with a market specialist.