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Rick Lindsey Quote

Chairman’s Report

I am pleased to report that 2021 was another successful year for Prime Insurance Company. We are experts in providing options for specialty risks that have been declined or non-renewed. We provide solutions that simply can’t be found anywhere else and the industry has responded by trusting us with many of their most difficult risks.

FAVORABLE UNDERWRITING RESULTS

In 2021, we had a combined ratio of 74.8% on net earned premiums of $150.8 million.

DEVELOPMENT OF NEW PRODUCTS AND SERVICES

Building upon our experience in offering specialty coverage for property and casualty risks, we continue to develop new insurance products for the ever-changing market. Our favorable underwriting results allow us to provide stability to emerging markets as we continue to serve our core business classes that include commercial auto, commercial liability, commercial property, inland marine, healthcare services, garage services, professional liability, and many more.

In June of 2012, Prime Property & Casualty Insurance Inc. (PPCI) was introduced to the marketplace as an admitted carrier accepting commercial auto risks in those states that require commercial auto to be writing on an admitted basis.  PPCI has been well received by the market and is licensed and offers coverage in FL, IL, KS, KY, MA, NC, NJ, NM, NV, and SC. We customize solutions for new and start-up businesses, companies with claims or substandard MVR reports, bankruptcy, and more. In addition, we’ve enhanced our processes by adding a mobile claims application.

We are in the process of creating a New York insurance company that will initially focus on providing commercial auto coverages.

IN SUMMARY

Today, tomorrow, and in the future, customer service is at the forefront of everything we do. We are committed to playing a vital role in developing customized insurance products and services while strengthening our relationships in an ever-changing industry. We look forward to the challenges and opportunities presented to us in 2022 and beyond.

Companies

Prime Holdings Insurance Services, Inc.

Founded in 1992, Prime Holdings Insurance Services, Inc. provides a wide array of insurance products and services to the U.S. property and casualty insurance market through its operating subsidiaries.  Prime Holdings is headquartered in Salt Lake City with additional offices in Chicago, Naples (Florida) and Exton (Pennsylvania). 2021 gross premiums were $419.6 million, which is a 58% increase over 2020 at $264.3 million. In 2019, we did $222.9 million in gross premiums.

Prime Holdings’ primary operating subsidiaries are: Prime Insurance Company, Prime Property & Casualty Insurance Inc., Evolution Insurance Brokers, LC, and Greenlight Premium Finance Company.

The Prime Holdings companies have formed strategic relationships with some of the world’s premier insurance organizations, including Berkshire Hathaway, Lloyd’s of London, General Reinsurance Corporation, and RLI Insurance Company.

Prime Insurance Company

Prime Insurance Company (“Prime”) is a property and casualty surplus lines carrier that is eligible to issue insurance policies in all 50 of the United States and most U.S. territories.  Prime commenced business in 1990 and provides a stable market for a wide range of risks including commercial auto, commercial liability, commercial property, inland marine, healthcare services, garage services, professional liability, and many more. Prime holds an A.M. Best Financial Strength Rating of “A” (Excellent).

Prime Property & Casualty Insurance Inc.

Prime Property & Casualty Insurance Inc. (“PPCI”) is an admitted property and casualty insurance carrier formed in 2013 with a focus on providing commercial auto coverages in those states that require commercial auto to be written on an admitted basis.

Learn more about PPCI here.

Evolution Insurance Brokers, LC.

Evolution Insurance Brokers, LC. (EIB) is a full-service brokerage specializing in excess and surplus lines insurance nationwide. Through EIB, independent producers find solutions for a wide range of risks including commercial auto, commercial liability, commercial property, inland marine, healthcare services, garage services, professional liability, and many more.

Learn more about EIB here.

Greenlight Premium Finance Company

Greenlight Premium Finance Company offers Prime’s customers one-stop convenience when obtaining premium financing for their insurance coverage.

Learn more about Greenlight here.

Prime Captive Services

Prime Captive Services provides a broad range of specialty and professional services to Captive Managers. Those services include flexible underwriting, risk management, extraordinary claims results, quota share opportunities, and more. Prime Captive Services is a dba of Prime Holdings Insurance Services, Inc.

Learn more about Prime Captive Services, here.

Services

Underwriters Direct Access (UDA)

UDA is an in-house services unit that provides underwriting services for Prime Insurance Company, Prime Property & Casualty Insurance Inc. and as a third-party administrator.

Claims Direct Access (CDA)

CDA is an in-house services unit that manages claims for Prime Insurance Company, Prime Property & Casualty Insurance Inc., and as a third-party administrator for Lloyd’s of London and other third parties.

Click here to go to the CDA website and learn more.

Risk Management Direct (RMD)

RMD is an in-house services unit that provides risk management services for Prime Insurance Company, Prime Property & Casualty Insurance Inc. and is structured to provide attentive risk management as a third-party administrator.

Rick Lindsey Quote

Chairman’s Report

I am pleased to report that 2021 was another successful year for Prime Insurance Company. We are experts in providing options for specialty risks that have been declined or non-renewed. We provide solutions that simply can’t be found anywhere else and the industry has responded by trusting us with many of their most difficult risks.

FAVORABLE UNDERWRITING RESULTS

In 2021, we had a combined ratio of 74.8% on net earned premiums of $150.8 million.

DEVELOPMENT OF NEW PRODUCTS AND SERVICES

Building upon our experience in offering specialty coverage for property and casualty risks, we continue to develop new insurance products for the ever-changing market. Our favorable underwriting results allow us to provide stability to emerging markets as we continue to serve our core business classes that include commercial auto, commercial liability, commercial property, inland marine, healthcare services, garage services, professional liability, and many more.

In June of 2012, Prime Property & Casualty Insurance Inc. (PPCI) was introduced to the marketplace as an admitted carrier accepting commercial auto risks in those states that require commercial auto to be writing on an admitted basis.  PPCI has been well received by the market and is licensed and offers coverage in FL, IL, KS, KY, MA, NC, NJ, NM, NV, and SC. We customize solutions for new and start-up businesses, companies with claims or substandard MVR reports, bankruptcy, and more. In addition, we’ve enhanced our processes by adding a mobile claims application.

We are in the process of creating a New York insurance company that will initially focus on providing commercial auto coverages.

IN SUMMARY

Today, tomorrow, and in the future, customer service is at the forefront of everything we do. We are committed to playing a vital role in developing customized insurance products and services while strengthening our relationships in an ever-changing industry. We look forward to the challenges and opportunities presented to us in 2022 and beyond.

Best Places to Work 2022

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© 2023 Prime Holdings Insurance Services, Inc., all rights reserved | Privacy Policy | Legal Disclaimers

Prime Insurance Company (“PIC”) is an unlicensed excess and surplus lines insurance company domiciled in the State of Illinois and its principal place of business is in Sandy, Utah. Full disclaimer at www.primeis.com/legal.

This communication does not contain any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, that is untrue, deceptive, or misleading, and that is known, or that by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.

Statements made regarding insurance coverage are for general description purposes only and they do not amend, modify, supplement, or alter any insurance policy in any way, including but not limited to claims purposes, nor do they provide details regarding terms, conditions, coverage, exclusions, or services of any insurance policy. Policy eligibility is subject to underwriting qualifications and approval. Contact PRIME INSURANCE COMPANY for more information.

All information, content, and materials available on this site are for general informational purposes only. This information does not, and is not intended to, constitute legal advice on any particular set of facts or circumstances, and may not constitute the most current legal developments. No user or browser of this site should act or refrain from acting based on the contents of this site without first seeking legal advice from counsel in the appropriate jurisdiction. This website may also contain links to content from third-party web sites which are intended only as a convenience for the user or browser and are not necessarily recommended or endorsed by Prime Holdings Insurance Services, Inc. and its affiliates. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this website is provided "as is" and no representations are made that the content is free of errors.

By submitting an application through this site, you acknowledge that certain personal data disclosed as part of the application process is necessary for purposes of evaluating and issuing insurance products to you by the insurer and its affiliates and you hereby consent to the insurer and its insurance affiliates processing such information. You understand that the insurer may share the information disclosed as part of the application process for purposes of evaluating and issuing insurance products and risk management services (including to the producer listed on the application), but that the insurer will not disclose your personal information to unaffiliated advertisers or vendors. You acknowledge that you have the right to withdraw your consent to the insurer's use of your personal data that is deemed by the insurer to be unnecessary for the purposes stated above by notifying us in writing.

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