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Snowmobiles offer exhilarating outdoor experie...r adventure operators that include snowmobiles in their offerings • Seasonal...

...for RVs, motorcycles, ATVs, and snowmobiles to ensure proper underwriting and ...

As an insurance agent or broker working with outdoor adventure businesses, you understand the importance of protecting clients operating in high-risk environments. Prime Insurance Company offers a comprehensive, non-admitted program tailored specifically for outfitters, guides, and instructors. Whether your client leads fishing expeditions, zip line tours, or snowmobile trips, this program is designed to help safeguard their operations against liability and financial loss. This program is built for professionals who lead others into nature’s wildest terrain—where accidents can happen, even with the most experienced staff and safety protocols. Through Prime’s all-in-one approach, insureds benefit from direct access to underwriting, risk management, and claims handling, ensuring a responsive and customized experience for each operation. Ideal Accounts and Risk Classes: ATVs and UTVs Bicycle Tours and Rentals Camping, Hiking, and Rock Climbing Guides Guest Ranches and Equine-Based Activities Hunting and Fishing Outfitters River Rafting and Kayaking Tours Zip Line and Ropes Courses Jet Ski, Boating, and Other Water Sports Winter Activities (e.g., snowmobiling, skiing) Youth-at-Risk Programs And many more outdoor adventure operations Coverage Highlights and Benefits: Customized policies based on client operations and risk profile Direct access to underwriting without extra layers Risk management support tailored to outdoor exposures Claims handled in-house for faster resolution All-in-one policy structure for broader protection Underwriting Considerations: Each submission is underwritten individually, with a strong emphasis on safety protocols, guide/instructor experience, and operational details. While no minimum premium is listed, this non-admitted program is designed for businesses that understand the importance of specialized coverage and risk management. Territorial Availability: Available in all 50 states and Washington, DC, including high-outdoor-activity states like CO, MT, UT, CA, AK, and WY. This wide availability supports agents working with clients across multiple regions or with multi-state operations. Why Work With Prime Insurance Company: Prime Insurance Company is a Managing General Agency with deep expertise in high-risk and specialty markets. Their hands-on underwriting, in-house claims handling, and flexible approach to unique outdoor exposures make them an ideal partner for agents serving outfitters, adventure companies, and youth-focused programs. You can count on Prime for creative, responsive solutions where standard markets may fall short. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients involved in outdoor adventure activities such as guided hunting trips, whitewater rafting, ATV tours, zip lines, and youth camps with high-risk exposures. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, DC, making it a strong option for agents with multi-state clients or operations. What makes Prime’s program different from standard markets?Prime offers a custom underwriting approach, all-in-one policy structure, and in-house claims management, making it well-suited for complex or non-standard risks. Can I access underwriters directly for this program?Yes. Prime provides direct access to underwriters, allowing agents to discuss risks and tailor coverage more efficiently. Are there specific safety or experience requirements?Yes, underwriting considers the experience of guides/instructors, safety protocols, and operational details when evaluating each submission. Need help placing an account? Connect with a market specialist.

...shed repair shop expanding into snowmobiles, Colonial General has the tools an...oters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate bu...

...s, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with tee...

...s, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with tee...

...cept ATVs, motorcycles, mopeds, snowmobiles (underlying auto limits 250/500/10...posures: boats, ATVs, motorcycles, snowmobiles and in-home business operations...

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.

...cludes all-terrain vehicles and snowmobiles where applicable. Relocation a...