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Comprehensive Snow Plow Insurance Solutions from Prime Insurance Company Snow plowing operations carry elevated and ...e. What coverages are included in the Snow Plow Insurance program?Standard offering...

Snow Plowing Coverage Excel Insurance Ser...it a completed ACORD application, the Snow Plowing Supplement, three years of loss ...

...hauls debris, fells trees, removes snow, or performs emergency cleanup, this p...torm cleanup are ideal candidates. Is snow and ice removal covered?Yes. Snow and ice removal—by hand, plow, or mobile equipment—is included. Snow removal exposure is rated based on ...

...n expert in the field! Artisan Contractors face a wide range of risks dependi... program. Can I place business for contractors with prior claims or losses?Yes...

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.

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.

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.

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.

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.

Bounce Houses are Fun—But They Need Serious Insurance Bounce houses and inflatable attractions are popular at parties, fairs, festivals, and community events. With that popularity comes real liability exposure. From minor sprains to more serious injuries and property damage, inflatable operations face a wide range of risks. If your client rents inflatables or runs an event rental business, they need tailored protection—and Prime Insurance Company’s Bounce House Insurance program is built specifically for that market. Industry Risk Snapshot: • Between 2008 and 2013, the U.S. Consumer Product Safety Commission reported 82,203 injuries related to inflatable bounce houses • 90% of injuries were tied to moon bounces • Two-thirds of injuries involved arms and legs; the rest affected the head and face • 9 out of 10 injuries involved children under the age of 14 Program Overview from Prime Insurance Company Prime Insurance Company is a nationwide, non-admitted carrier that underwrites commercial liability for inflatable rental businesses. The program is designed to help agents place accounts that are difficult for standard markets—whether the client is a new operator, seasonal business, or has prior claims. Underwriting is flexible and focused on assessing the full risk profile so you can secure coverage terms that match the operation and equipment exposures. Ideal Accounts and Appetite This program is a strong fit for: • Bounce house rental businesses • Event rental companies that include inflatables • Operators of inflatable obstacle courses, mechanical bulls, and interactive games • Seasonal, part-time, or start-up operators • Accounts with prior losses, unusual equipment, or other non-standard exposures You might have a client who runs a party rental company with bounce houses, inflatable water slides, and a mechanical bull. Even with a history of claims or unusual equipment, Prime can often offer solutions through flexible underwriting and specialty liability expertise. Coverage Highlights and Advantages Prime’s Bounce House Insurance program provides liability protections tailored to inflatables and event rentals, including: • Commercial General Liability—language adapted for inflatable exposures • Coverage for party and event rental equipment and operations • Options for mechanical inflatables (bulls), water slides, boxing/wrestling rings, and similar interactive attractions • Flexible underwriting to address unique or high-risk equipment and operations • Ability to consider accounts with prior claims or otherwise substandard histories This program is supported by XINSURANCE, powered by Evolution Insurance Brokers, LC (EIB), providing specialty liability placement support for agents. Underwriting Notes and Minimum Premiums Prime evaluates each account on its merits, focusing on safety practices, equipment condition, hours of operation, staffing/supervision, and loss history. There is no publicly listed standard minimum premium — contact Prime’s underwriting team or the XINSURANCE platform for an underwriting review and premium guidance based on the specific risk. Territories and Availability Coverage is available nationwide in all 50 states and Washington, D.C. As a non-admitted program, Prime offers agents flexibility to place business that may not qualify for admitted or standard markets. Why Work With Prime Insurance Company? Prime specializes in high-risk and niche liability markets. For agents, that means: • A market that accepts tougher-to-place inflatable and event rental risks • Underwriting that looks beyond a simple declination and seeks workable solutions • Nationwide access via a non-admitted platform to broaden placement options • Backing and placement support from XINSURANCE/Evolution Insurance Brokers for specialty liability accounts Prime also maintains industry connections—such as membership in the International Association of Amusement Parks and Attractions (IAAPA)—that reflect its focus on this niche. Frequently Asked Questions What types of accounts are a good fit for this program?Event rental companies that offer inflatable bounce houses, slides, obstacle courses, or mechanical rides are ideal. Accounts with prior claims or unique equipment are also considered. Can I place business in all states?Yes, the program is available in all 50 states and Washington, D.C. as a non-admitted offering. Does this program cover mechanical inflatables like bulls or boxing rings?Yes, Prime offers liability coverage for a wide range of inflatables, including mechanical bulls, wrestling/boxing rings, and similar equipment. Is prior claims history a disqualifier?No. Prime specializes in tough-to-place accounts and can often work with clients who have substandard claims histories. Who is the carrier for this program?The program is offered by Prime Insurance Company and powered by Evolution Insurance Brokers (EIB) under the XINSURANCE brand. Need help placing an account? Connect with a market specialist.