Prime Insurance Company
Prime is a specialty excess and surplus (E&S) carrier built for hard-to-place, high-hazard risks that standard markets decline, from outdoor recreation to special events and pyrotechnics.
What they are known for
Prime Insurance Company is a non-admitted excess and surplus carrier that writes high-hazard and non-standard risks other markets will not. Rather than forcing a risk into a standard box, Prime underwrites case by case: it looks at the operator's actual experience, safety controls, and exposure, then structures and prices coverage around the real risk. It will even consider operations with prior losses, new ventures, or unusual setups.
Classes Prime is known for
Prime regularly considers tough commercial classes, including:
- Amusement and recreation of all types, and outdoor recreation such as ATV and off-road tours, zip lines and aerial parks, guided hunting and fishing, rafting and outfitters, and seasonal camps
- Special events, pyrotechnics, and fireworks displays, concerts and festivals, and short-term or pop-up events
- Contractors of all types, including higher-hazard trades
- Commercial auto: buses, paratransit, trucking, limos, and transportation services, plus towing and repo
- Restaurants, bars, and liquor liability
- Commercial property, homeowners and condo, schools, security guards, auto repair shops, used car dealers, animal liability, and motocross tracks
When we may consider Prime
Prime tends to fit when a risk has been declined by admitted markets, when carriers are leaving a class, when a timeline is tight for an event or a seasonal launch, or when an operation is simply unique or high-hazard. Direct underwriter access means decisions can move quickly, which matters most when the calendar is short.
Good to know before you choose
Prime is a non-admitted, surplus-lines carrier. That is what lets it write risks standard markets decline, with flexible, custom terms. The trade-off is that surplus-lines coverage is not backed by the state guaranty fund and the forms are tailored rather than standardized, so the terms deserve a careful read. Eligibility is case by case and subject to underwriting.
Explore related coverage
Service and claims
This page is about market access, not policy service. For claims, billing, or payment contacts, use the Carrier Directory, or start a request in the Service Center.
Vantage Point Risk is an independent insurance agency. Carrier availability, coverage options, eligibility, pricing, and underwriting decisions vary by state, coverage type, business operations, property details, claims history, and carrier appetite. Mention of an insurance company does not guarantee availability, appointment status, eligibility, or placement with that company. Prime Insurance Company is a non-admitted excess and surplus lines insurer.
Have a risk standard markets keep declining?
High-hazard, seasonal, event, or simply unusual. Tell us what you are trying to insure and we will see whether Prime or another specialty market is the right fit.