Prime only writes excess and surplus lines insurance. Surplus lines, or “non-admitted” specialty or excess lines, represents one of two divisions of the property and casualty insurance market, the other being the “admitted” or the standard market. The excess and surplus market exceeds $25 billion in the U.S., which amounts to less than 8% of the entire U.S. property and casualty marketplace of over $300 billion annually.

The surplus lines, non-admitted, market is not subject to the strict pricing and form regulations applicable to the admitted insurance market, allowing Prime to specifically tailor insurance contracts for its customers. The excess and surplus market is best defined and recognized as the market dominated by Lloyd’s of London.

Prime focuses its underwriting efforts on non-standard, hard-to-place insurance risks that cannot be readily placed with admitted insurance carriers by developing industry and line-specific underwriting, rate and risk management guidelines to provide a market.

You won’t hear Prime say, “We can’t write that,” or “We don’t do that.” We can and will write your risks.

Prime’s general product lines fall into the following categories:

• Commercial Auto Liability
• Commercial Property / Inland Marine
• Commercial Liability
• Garage Services
• Healthcare Services
• Personal Lines
• Professional Liability

Specialized markets are also serviced. See each of the line category headings for a more complete list of the markets we service.

Prime also pays competitive commissions and, in some instances, bigger commissions to producers.

To further assist producers place their business, in-house financing is available through Greenlight Premium Finance Company.

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