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Tis the Season! Overview — Winter Activity Insurance from Prime Insurance Company Sleigh rides, ice skating, tree lighting ceremonies, and festive markets bring joy to communities each winter—but they also create seasonal exposures that many business owners overlook. Crowds, icy surfaces, temporary equipment, and event-related operations can quickly result in accidents and liability claims. Prime Insurance Company offers customizable Winter Activity Insurance designed specifically to help agents place and protect seasonal operations. Our program provides core liability and property protections for operators of seasonal events and attractions. It’s built to make placement easier for accounts that may have complex histories or elevated risk profiles, while still offering flexible limits and coverages to match an insured’s needs. Who We Help Christmas markets and holiday pop-ups Sleigh ride operators and traveling attractions Holiday festivals, tree lighting ceremonies, and ice skating events Christmas tree lots and seasonal retail lots Other winter-themed special events and attractions And more seasonal operations Whether your client runs a community tree lighting or operates a traveling sleigh ride business, Prime’s program can be tailored to address the typical winter exposures—from slips and falls on icy walkways to equipment-related injuries and temporary structures. Coverage Highlights General Liability Hired and Non-Owned Auto Liability Commercial Auto Insurance *Not available in NY Inland Marine (equipment and mobile property) Commercial Property Insurance for seasonal assets Bodily Injury coverage tied to event operations Coverages can be combined or modified to reflect the scale and duration of the operation, seasonal staffing, and whether the event uses rented or owned equipment. Example Fit You might have a client who operates a seasonal Christmas tree lot that hires temporary staff for a few months a year. They need affordable liability protection and coverage for high foot traffic, icy walkways, and onsite equipment. Prime’s Winter Activity Insurance can be customized to meet those needs—even for accounts with a prior claim or unique exposure. Underwriting Notes We consider risks with prior losses and nonstandard histories. Admitted and non-admitted placements are available; the option depends on the risk profile and state filing requirements. High-risk locations, including coastal or high-traffic urban sites, can be considered with appropriate terms. Commercial Auto is available in most states; New York is excluded for Commercial Auto on this program. If you have an account with unusual operations or prior claims, bring the submission — Prime’s underwriting team has experience with hard-to-place seasonal risks and will work with you to find workable terms. Territories and Availability This Winter Activity Insurance program is available in all 50 states and Washington, D.C., with admitted and non-admitted options depending on state requirements and the nature of the risk. Why Work With Prime Insurance Company? Prime Insurance Company brings focused underwriting for niche and seasonal risks. Our strengths for agents include: Flexible underwriting for accounts with prior losses or unusual exposures Fast quote turnaround and responsive market support Coverage availability across all states, including high-risk or coastal areas Ability to combine liability, auto, inland marine, and property coverages for seasonal operations No matter the winter activity or the account history—Prime is here to help you protect your clients and keep the seasonal cheer going. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in seasonal winter operations such as Christmas tree lots, sleigh rides, ice skating events, holiday festivals, and similar attractions that draw public foot traffic and have event-related exposures. Can you write risks with prior claims or losses?Yes. Prime Insurance Company considers accounts with prior claims or difficult histories and offers flexible underwriting for hard-to-place risks. Is Commercial Auto coverage available nationwide?Commercial Auto coverage is available in most states, but not in New York. Contact us for state-specific availability and options. Do you offer admitted or non-admitted coverage?We offer both admitted and non-admitted coverage depending on the risk characteristics and state filing requirements. Which states is this program available in?This Winter Activity Insurance program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

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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.

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.

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.

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.

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.