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...places a specialized On Land Boat Storage Insurance program for commercial storage yards, repair shops, dealerships, an...rogram available in?The On Land Boat Storage Insurance program is available in...

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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.

Snowmobiles offer exhilarating outdoor experiences, but they also come with serious risks—including accidents, injuries, and liability claims. Whether your client operates a snowmobile rental business, leads guided tours, or teaches snowmobile operation, ensuring they have the right insurance protection is essential. Prime Insurance Company, through XINSURANCE, provides a flexible and customized Snowmobile Insurance program designed to address the unique liabilities associated with snowmobile operations. This program is available on a non-admitted basis in all 50 states plus DC, giving you wide-reaching market access with underwriting flexibility. Ideal Accounts and Appetite This program is tailored for both individual operators and commercial snowmobile businesses, including: • Snowmobile rental companies • Guided snowmobile tour providers • Snowmobile instructors and trainers • Outdoor adventure operators that include snowmobiles in their offerings • Seasonal businesses operating in winter resort areas If you have a client who offers snowmobile rentals at a ski resort or runs backcountry snowmobile tours, this program is built to help you place that business—even if the risk is viewed as challenging due to prior losses or complex exposures. Coverage Highlights and Advantages XINSURANCE specializes in high-risk and hard-to-place accounts. The Snowmobile Insurance program includes a range of coverages that can be tailored to your client’s needs: • Excess Medical • Professional Liability • Inland Marine • Physical Damage • Commercial General Liability • Alleged Assault and Battery Liability • Alleged Sexual Abuse and Molestation Liability • Premises Liability Coverage is available regardless of claims history or business size. Each policy is custom-built to match the specific exposures and operations of your client. Underwriting Notes This is a non-admitted program written through Evolution Insurance Brokers, LC (EIB), operating under the XINSURANCE brand. There is no standard minimum premium listed, allowing underwriting flexibility based on risk size, operations, and claims history. Policies are crafted after a thorough review of the insured’s operations, making this program ideal for unique, non-standard, or high-risk accounts that may not fit traditional markets. Territories and Availability Prime Insurance Company offers this program nationwide, including all 50 states and Washington, DC. Whether your client operates in snowy mountain regions, rural backcountry, or seasonal resort towns, this program is accessible and adaptable to varying geographic needs. Why Work With Prime Insurance Company? XINSURANCE, powered by Prime Insurance Company, has deep experience insuring high-risk recreational and outdoor activities. Their hands-on underwriting approach allows for customized solutions where others may decline coverage. You'll benefit from: • Broad underwriting appetite • Customized, scenario-based coverage • Ability to write accounts with prior losses • Access to specialty liability coverages not typically available in standard markets If you're struggling to place snowmobile-related risks or need a partner who can handle tough accounts, Prime Insurance Company delivers solutions that go beyond standard offerings. We are here to help all snowmobile operations and can answer any questions you and your client may have. Reach out to us today! DISCLAIMER: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah (NPN 5464658). The licensed brokers for EIB are: Rick J. Lindsey (all states except CA) (NPN 91653) & Mike Fennell (only CA) (NPN 1435429). Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for snowmobile rental operators, guided tour providers, instructors, and other commercial snowmobile businesses—especially those considered high-risk or hard-to-place. Can I place accounts with prior claims or losses?Yes. Prime Insurance Company reviews each submission individually and is willing to consider accounts with prior loss history, provided there is a clear understanding of the operations and risk management practices. Is this program available in all states?Yes. The Snowmobile Insurance program is available on a non-admitted basis in all 50 states and Washington, DC. What coverages are available under this program?Available coverages include General Liability, Physical Damage, Inland Marine, Professional Liability, Excess Medical, Alleged Assault and Battery, Alleged Sexual Abuse and Molestation, and more. How are premiums determined?Premiums are based on a variety of factors including business size, operations, safety protocols, and claims history. Submissions are reviewed individually to determine appropriate pricing. Need help placing an account? Connect with a market specialist.

... Towing operators with impound or storage lots Firms handling high-value o...

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.

...ited repair benches and overnight storage Coverage highlights and availa...

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.