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

...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 ...

Commercial trucking is changing rapidly—labor shortages, emerging autonomous-driving technologies, and increasingly severe weather are reshaping risk profiles. At the same time, many large carriers are reducing capacity in the commercial auto space, leaving agents with fewer options for hard-to-place trucking risks. Overview Prime Insurance Company brings nearly 30 years of focused experience in commercial trucking insurance. Our Commercial Trucking Insurance program is designed for agents who need flexible, underwriting-driven solutions for fleets and independent operators alike. We underwrite tougher risks others may decline and work with agents to structure coverages that match a client’s actual operations. Ideal Accounts and Appetite Our appetite covers a broad cross-section of commercial auto classes. We write single-vehicle operators up to large fleets and are particularly effective for accounts that have trouble finding coverage in the standard market. Target classes include: Long-haul trucking Business commercial auto (company fleets and delivery vehicles) Taxi cabs and rideshare vehicles School and airport buses Black car and limousine services Auto fleets and new-venture operators We also consider non-traditional operations, distressed risks, and accounts with prior losses or limited operating history. If a client was declined elsewhere because of their operating history, new DOT number, or unique vehicle use, bring the account to us for review. Coverage Highlights and Advantages Prime offers a broad suite of coverages that can be combined to meet your client’s exposures. Available options include: Auto Liability Auto Physical Damage Motor Truck Cargo Drive Away Coverage Terminal Operations Hired & Non-Owned Auto (HNOA) Commercial Truck Coverage New Operators Coverage Excess Liability Coverage This flexibility helps agents put together compliant programs that address liability, physical damage, cargo exposure, and operations at terminals or yards. Underwriting Notes and Minimum Premiums We evaluate risks on an individual basis and are open to new ventures and accounts with prior claims. Underwriting focuses on the nature of operations, driver hiring and safety programs, maintenance practices, and loss history. Minimum premiums vary by class and state; our underwriting team will work with you to align coverage and budget. Territories and Availability Prime’s Commercial Trucking Insurance program is available in nearly every U.S. state. Currently offered in: 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Some coverages may be available on an admitted basis in select states. Why Work With Prime Insurance Company? Prime is a carrier that focuses on underwriting solutions for commercial auto risks that are outside the standard appetite. Our strengths for agents include: A specialty focus on trucking and commercial auto with nearly three decades of experience Willingness to consider new ventures, higher-risk operations, and accounts with prior losses Responsive underwriting and quick turnarounds to help close placements Flexible coverage packages that can be tailored to each client’s fleet and exposures Example scenarios that fit our program: You have a small fleet of long-haul trucks with a recent loss history and a new DOT number—Prime will review the overall risk and consider tailored terms. A client operates a mixed-use fleet (shuttles, delivery vans, and a few limousines) and needs a single program to cover liability, physical damage, and hired/non-owned exposures—our package options can be combined to fit. To discuss a specific account or learn more about Prime’s Commercial Trucking Insurance program, visit our company profile or go directly to our program page. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong fit for long-haul trucking, taxi and rideshare services, airport and school buses, black car and limousine services, and other commercial auto operations—including new ventures and hard-to-place risks. Is this program available for new trucking businesses?Yes. We offer coverage for new operators and new ventures, including those with limited operating history or prior claims. Can I offer coverage for hired or non-owned vehicles?Yes. Hired & Non-Owned Auto coverage is available as part of our program options. Which states are eligible for this program?The program is available in most U.S. states (see the territories list above). Some coverages may be offered on an admitted basis depending on the state and risk. Does Prime Insurance Company write excess coverage for trucking risks?Yes. Excess liability is available and can be added where appropriate for the account. Need help placing an account? Connect with a market specialist.

As an independent agent serving fitness professionals, you understand the unique risks your clients face. Whether they’re leading a bootcamp, teaching yoga, or offering personal training sessions, fitness instructors work closely with clients in physically demanding environments—where the potential for injury, liability claims, and property damage is high. That’s where Prime Insurance Company steps in. Our Fitness Instructors Insurance program is designed to provide robust liability protection across a wide range of fitness disciplines. With coverage available in all 50 states and Washington, DC, this program is an ideal solution for agents looking to place business for independent instructors, small fitness studios, or mobile trainers. Ideal Accounts and Target Classes This program is suitable for individual fitness instructors or small training businesses operating across a variety of disciplines. Whether your client teaches in-person, virtually, or at multiple locations, Prime Insurance Company helps safeguard them from common legal exposures. Target Classes Include: Cardio Kickboxing Personal Training Pilates Tai Chi Yoga Zumba Acro Dance Fitness Bootcamp Spinning Aerobics Aquatic Exercise Tumbling +Many More Even when instructors follow proper safety guidelines and training protocols, they can still be held liable when something goes wrong. Statistics show that over 970,000 fitness-related injuries were treated in U.S. hospitals between 1990 and 2007. Don’t let your clients go unprotected. Coverage Highlights and Advantages The program offers tailored coverage designed specifically for the fitness industry. Whether your client is working one-on-one or leading group sessions, Prime Insurance Company provides critical protection against the most common exposures. Coverages Offered: Legal Liability Professional Liability Medical Expense Bodily Injury Property Damage Personal Injuries Abuse, Molestation, and Sexual Misconduct This makes the program especially attractive for instructors working with minors, seniors, or vulnerable populations, where allegations of misconduct can carry severe consequences—even if unfounded. Underwriting and Program Notes Prime Insurance Company offers flexible options for fitness professionals of all experience levels. Whether you’re working with a new instructor launching their first business or a seasoned trainer expanding into new markets, our underwriters can assess and respond quickly to submissions. Coverage is available in all 50 states and Washington, DC. Submissions are reviewed on a case-by-case basis, and Prime aims to provide fast turnarounds and competitive solutions for both standard and higher-risk classes. Why Work With Prime Insurance Company As a direct carrier, Prime Insurance Company has the authority and flexibility to tailor coverage to fit your client’s individual needs. We specialize in niche liability markets and provide an all-in-one insurance solution for fitness professionals. Agents benefit from responsive underwriting, broad appetite, and the ability to place both straightforward and challenging risks under one roof. If you have a client who runs a community Zumba class, operates a mobile personal training business, or teaches aquatic fitness at a local gym, Prime Insurance Company can help you deliver the coverage they need—with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent fitness instructors, personal trainers, and small group class leaders across a wide range of disciplines, including yoga, Pilates, bootcamps, and more. Is coverage available nationwide?Yes, the Fitness Instructors Insurance program is available in all 50 states and Washington, DC. What are the key coverages included?The program includes legal liability, professional liability, medical expense, bodily injury, property damage, personal injury, and abuse/molestation coverage. Can I place business for instructors who work virtually or at multiple locations?Yes, Prime Insurance Company can accommodate fitness professionals who offer services online or across various locations. How quickly can I get a quote?Prime Insurance Company offers a streamlined submission process for fast quotes. Reach out to their underwriting team to get started. Need help placing an account? Connect with a market specialist.

Wind Happens Don't Get Caught Without the Right Coverage Excel Insurance Services, Inc. — Specialists in Coastal Wind Coverage Excel Insurance Services, Inc. provides tailored placement solutions for wind-exposed coastal properties through our New Jersey Coastal Property Insurance (2) program. Built for both commercial and personal lines, this program gives agents and brokers flexible, competitive options for clients located in wind-prone coastal areas where admitted markets may decline. Ideal Accounts and Target Risks This program targets properties in coastal New Jersey and nearby states where wind exposure has made coverage hard to secure. We are especially competitive for the following classes: Condominium associations Apartment buildings Hotels and motels Boardwalk retail stores and restaurants Vacant properties Builder’s risk Typical scenarios include a small apartment complex near the Jersey Shore or a boardwalk restaurant declined by admitted carriers due to high wind exposure — accounts this program is structured to handle. Coverage Highlights and Features Monoline wind coverage available Low or no wind deductible options Wind deductible buy-back available Package policies with equipment breakdown available Solutions for both commercial and personal lines Whether you need full property coverage or wind-only protection to complement an existing policy, Excel Insurance Services can structure competitive solutions to address wind risk and policy gaps. Underwriting Notes and Minimum Premiums We place business on a non-admitted (E&S) basis with access to multiple excess & surplus markets, allowing us to take on risks standard carriers often decline. Minimum premiums begin at $500. For efficient review, submissions should include complete property details such as exact location, construction type, occupancy, roof age and condition, mitigation features, and any recent loss history. States and Availability This program is available in the following states: New Jersey New York Pennsylvania Delaware South Carolina We focus on coastal counties and wind-exposed zones where admitted options are limited or unavailable. Why Work With Excel Insurance Services? As a Managing General Agency and E&S broker, Excel Insurance Services combines coastal property expertise with fast, practical underwriting. We understand the nuances of wind-exposed properties and partner with a variety of carriers to find appropriate capacity and creative solutions when others say no. Our team moves quickly to help you close difficult accounts and protect your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits coastal commercial and residential properties such as condo associations, apartment buildings, hotels, restaurants, vacant properties, and builder’s risk projects that are difficult to insure because of wind exposure. Can I get wind-only coverage through this program?Yes. We offer monoline wind coverage and wind deductible buy-back options that can complement existing property policies. Is this program available for personal lines as well?Yes. Depending on property type and location, we can consider both commercial and personal lines placements within this program. What is the minimum premium for this program?Minimum premiums start at $500, though final premium depends on the risk characteristics and coverages selected. Which states is this program available in?The program is available in New Jersey, New York, Pennsylvania, Delaware, and South Carolina, with emphasis on coastal and wind-exposed zones. 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.

... with motorcycles, ATVs, jet skis, snowmobiles and similar exposures Account...

Snowmobiles offer exhilarating outdoor expe...gram available in all states?Yes. The Snowmobile Insurance program is availabl...

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.

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.