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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 off...

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

...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 ...

Real Estate Agents face a wide range of professional liability risks—regardless of experience or how diligent they are in serving their clients. From errors in property listings to disputes over disclosures and contracts, the potential for claims is ever-present. That’s why it’s essential for agents and brokers to help their real estate clients secure comprehensive coverage designed for their unique exposures. Real Estate Agent Insurance Solutions From Prime Insurance Company With more than 30 years of underwriting experience, Prime Insurance Company offers tailored liability insurance solutions for real estate professionals. Our program is specifically designed to address the risks faced by both individual agents and firms working in real estate sales, appraisals, and auctions. We understand that real estate professionals often prioritize client needs over their own risk management, so we help you deliver peace of mind with flexible, responsive coverage options. Ideal Accounts and Target Classes This program is ideal for a wide range of real estate professionals, including: Independent Real Estate Agents Real Estate Firms Appraisal Firms Auctioneers Independent Brokers If you have clients who are launching new real estate ventures or expanding into high-risk property types, Prime can often offer options where others decline. For example, you might have a client who’s a sole proprietor real estate agent handling both residential and commercial listings—this type of account is a strong fit for our program. Coverage Highlights and Advantages Professional liability tailored to real estate professionals Legal defense and indemnity coverage for covered claims No minimum premium requirements Coverage available for both admitted and non-admitted markets Fast turnaround—quotes typically within 48 hours; same-day quotes available upon request In the event of a claim, Prime Insurance Company will be the trusted partner you and your client need, providing legal defense and covering damages up to the policy limit. Underwriting Notes and Submission Requirements We do not have a minimum premium requirement, giving you the flexibility to place accounts of all sizes. However, we require complete and accurate submission documentation before binding coverage. This ensures we can offer the best possible terms and pricing for your client’s risk profile. Territories and Availability This Real Estate Agents program is available in all 50 states and Washington, D.C., including 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, and WY. Why Work With Prime Insurance Company? As a carrier with deep expertise in niche liability markets, Prime Insurance Company offers flexible underwriting, responsive turnaround times, and a broad appetite for real estate-related risks. Whether you're working with a startup real estate firm or a seasoned independent agent, we can help you deliver custom insurance solutions that protect your clients and strengthen your relationships. Partner with Prime to access a reliable, experienced market that understands the unique challenges of insuring real estate professionals. Frequently Asked Questions What types of accounts are a good fit for this Real Estate Agents program?This program is ideal for independent real estate agents, real estate firms, appraisal firms, auctioneers, and independent brokers across both residential and commercial sectors. Is there a minimum premium required to bind coverage?No, Prime Insurance Company does not require a minimum premium. However, all required documents must be submitted before coverage can be bound. How quickly can I get a quote for my client?Quotes are typically provided within 48 hours. Expedited, same-day quotes are available upon request for urgent submissions. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What makes Prime Insurance Company a strong partner for real estate risks?With over 30 years of underwriting experience, Prime offers flexible, customized solutions and a strong legal defense capability for real estate professionals facing liability claims. Need help placing an account? Connect with a market specialist.

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.

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.

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

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.

As an artisan contractor, you’re looked to as an expert in the field! Artisan Contractors face a wide range of risks depending on the trade and scope of work. From electrical hazards and roofing falls to property damage and payment disputes, the right insurance coverage is essential to protect both the contractor and their business. With over 150,000 Americans seeking medical treatment each year due to roofing-related accidents alone, the need for specialized liability coverage is more urgent than ever. Lawsuits involving artisan contractors are becoming increasingly common. Unlike traditional employees, artisan contractors often operate independently, and their employers are typically not held vicariously liable for their actions. This makes it critical for contractors to carry their own insurance—and for agents to place them with a carrier that understands their unique exposures. That’s where Prime Insurance Company comes in. We offer a comprehensive specialty liability solution tailored to the needs of artisan contractors. Our all-in-one approach provides agents direct access to experienced underwriters, claims professionals, and risk managers to help craft the most appropriate coverage for each insured. Ideal Accounts and Trades We Cover We work with a wide variety of artisan contractors, including but not limited to: • Plumbers • Electricians • Carpenters • Roofers • Masons • Landscapers • Drywall Installers • Paving Contractors • And many more Whether your client is a solo contractor or manages a small crew, we can help design a policy to meet the unique exposures of their trade. Coverage Highlights and Advantages Key coverages available include: • General Liability • Builders Risk • Commercial Auto *Not available in NY • Heavy Equipment • Coverage in all 50 states *Please note: Workers' compensation is not offered as part of this program. We specialize in hard-to-place risks and unique exposures. Whether the insured has a complex loss history or operates in a high-risk trade, our team will work with you to find solutions. Underwriting Approach Our underwriting team evaluates each risk on its own merits. No two artisan contractors are the same, and neither are our policies. We’re flexible, solution-focused, and committed to helping agents find placement for clients who may not fit the standard market. Territories and Availability This program is available in all 50 states, including 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, and WY. Why Work With Prime Insurance Company? Prime Insurance Company is a direct carrier with a strong track record of supporting artisan contractors and the agents who serve them. We offer: Custom coverage for high-risk and unique contractor classes Direct access to underwriting, claims, and risk management teams Non-admitted solutions available in all 50 states Responsive service and quick turnaround on submissions Whether your client is a first-time contractor or a veteran with a challenging risk profile, Prime Insurance Company has the tools and experience to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors such as roofers, electricians, plumbers, landscapers, and similar trades, especially those with challenging risk profiles or unique operations. Is coverage available nationwide?Yes, the Artisan Contractors program is available in all 50 states. Commercial Auto coverage is offered in most states but is not available in New York. Does this program include workers’ compensation coverage?No, workers' compensation coverage is not included or offered through this program. Can I place business for contractors with prior claims or losses?Yes, Prime Insurance Company considers accounts with prior loss history and works with agents to find solutions for harder-to-place risks. What types of vehicles can be covered under the Commercial Auto option?The Commercial Auto coverage can include vehicles used for business operations, but availability and eligibility depend on the state and the specific risk. Note that this option is not available in NY. 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.