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Overview of the Program From Northern States Agency Northern States Agency, Inc. (NSA), a trusted Managing General Agency and Excess & Surplus Lines Broker, has been serving independent insurance agents since 1953. Located in St. Paul, Minnesota, NSA brings over 70 years of underwriting experience and market knowledge to help agents place standard and hard-to-place commercial risks. Whether you’re looking for traditional coverage or need options for unique exposures, NSA offers broad access to various carriers and a deep understanding of E&S markets. Ideal Accounts and Appetite NSA specializes in hard-to-place and unusual risks that may not qualify for standard markets. Their underwriting appetite includes a wide range of commercial operations, with particular strength in: Commercial Auto Fleets (10+ power units) Garage and Auto Dealer Operations Trucking and Transport Risks Businesses with Excess Auto Liability Needs Contractors and Small Manufacturers Professional Services with E&O or D&O Exposures For example, you might have a client with a regional delivery fleet or an auto service operation with unique liability exposures. NSA can provide tailored solutions for these accounts, even when standard carriers decline. Coverage Highlights and Advantages NSA offers access to a wide array of commercial coverages through both admitted and non-admitted markets, depending on the risk and state. Available coverages include: Commercial Auto Insurance Garage and Auto Dealer Liability Excess Auto and General Liability General Liability and Umbrella/Excess Liability Directors & Officers (D&O) Liability Employment Practices Liability Insurance (EPLI) Miscellaneous Professional Liability Errors & Omissions (E&O) Property and Inland Marine NSA leverages relationships with numerous carriers to help you secure the right coverage at competitive terms for your clients' specific needs. Underwriting Notes and Minimum Premiums NSA evaluates each submission on its own merits, focusing on the risk’s operational details and loss history. While minimum premiums vary by carrier and line of coverage, the program is well-suited for mid-sized and larger accounts, particularly those requiring fleet or excess liability solutions. Submissions with complete information and clear risk narratives will receive the most responsive service. Territories and Availability NSA works with thousands of independent agents across the upper Midwest, offering access to this program in: Minnesota Wisconsin Iowa South Dakota North Dakota Nebraska Michigan Illinois Nationwide availability is also offered for certain classes, including auto fleets with 10 or more power units and excess auto/general liability placements. Why Work With Northern States Agency? With decades of experience and a regional focus, NSA is a valuable partner for agents seeking reliable underwriting support and market access. Their team understands the complexities of E&S placements and is committed to providing timely responses, flexible solutions, and a collaborative approach. If you’re looking to grow your commercial book with hard-to-place or specialty risks, NSA can help you deliver results for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial auto fleets, garage and dealer operations, risks needing excess liability, and professional service firms with E&O or D&O exposures. Which states is this program available in?This program is available in Minnesota, Wisconsin, Iowa, South Dakota, North Dakota, Nebraska, Michigan, and Illinois. Select coverages are also accessible nationwide. Can NSA place hard-to-insure or non-standard risks?Yes, NSA specializes in hard-to-place and non-standard commercial risks, especially those that fall outside of standard carrier appetite. What minimum premium should I expect?Minimum premiums vary by risk and carrier, but this program is best suited for mid-sized to larger accounts, especially those with fleet or excess liability needs. What carriers does NSA work with?NSA works with a variety of admitted and non-admitted carriers, allowing them to tailor coverage solutions to the specific needs of your clients. 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.

...on-fleet) Motorcycle, RV, and snowmobile repair and service Valet services...Damage for scheduled service units Dealers Physical Damage — non-reporting o...

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