A True Solution for Specialty Insurance

A Partnership Approach

Prime Insurance Company offers customized coverage and solutions to individuals, businesses and producers when standard markets don’t meet the needs of the insured.

  • Excess & Surplus
  • Property & Casualty
  • Specialty Liability
  • Customized Coverage

Listen To Our Latest Podcast!

Episode 12 of the “I Hate Insurance!” podcast is out now!

“Deductibles are evil!” In this episode, Rick J. Lindsey breaks down the difference between deductibles and risk sharing and gives insight into the advantages of risk sharing.

Listen on Spotify

The Strength and Stability of Prime Insurance Company

Fast Quotes

Insurance Coverage in All 50 States

Rated A (Excellent) by A.M. Best*

Customized Specialty Liability Coverage

No Minimum Production Requirement

Rated Aʹʹ, Unsurpassed, by Demotech, Inc.

The Prime Approach


Partner With Prime

With the Prime partnership approach,
we arrange a phone call with every
potential insured to provide fast,
flexible underwriting for every client.


In-house underwriting and risk
management teams work directly
with policyholders and conduct
onsite risk management visits.

Risk Mitigation

Our in-house teams take a
hands-on approach to better
mitigate client risks.

Sign Up Process

We contact every applicant before
signing with them to get a full picture
of the individual and we encourage
producers to play a supporting role
in this process.

Dedicated Client Support

Rapid response underwriting, policy
service and change requests, risk
management support, and a 24/7
in-house claims hotline if an
incident or claim occurs.

Direct Claims Handling

Prime’s in-house team of attorneys
and adjusters are here to assist
you every step of the way.

What’s New From Prime



AM Best: Issues & Answers with Rick J. Lindsey

AM Best: Issues & Answers with Rick J. Lindsey


Mega Trucking & Rick Vargas Join The ‘I Hate Insurance!’ Podcast

Mega Trucking & Rick Vargas Join The ‘I Hate Insurance!’ Podcast

Latest Insight from Rick J. Lindsey

In the end, we will overperform for good partners and we will show no mercy to liars, cheaters, or stealers. The law and our justice system are the best in the world, which allows us to fight for the right and win!

Make Happy Customers and Stop Feeding the Lawyers.

Meet Some of Our Partners…

“The service is really, really good…”

Prime Presents: Waste Haulers with Sunshine Recycling Services

Prime Presents: Towing with Westbrook Towing

Prime Presents: Parasailing with Miami Beach Ocean Watersports

Prime Presents: Mountain Guides with Utah Mountain Adventures

Choose Specialty Insurance with Expertise

We’re not like all the rest. Prime Insurance Company has partnered with the producer community to offer innovative solutions when other lines carriers decline coverage, cancel, or non-renew. Prime provides fast, flexible underwriting, risk management partnerships, and extraordinary claims results. Writing excess & surplus lines policies across all 50 states with a skilled team and dedication to quality—Prime has established a reputation as the market’s true solution for specialty risks.