Prime Insurance Company’s Prime Partnership Approach

At Prime Insurance Company, our unique partnership approach provides coverage and peace of mind for hard-to-place risks. Specializing in excess and surplus lines insurance for emerging markets, atypical and singular risks, bankruptcies and more, Prime works closely with agents, potential insureds, and producers on a case-by-case basis to find the perfect coverage solution. With our suite of insurance service companies, our experienced underwriters work to form an advantageous partnership. By considering the insured’s business history, operating practices, risk management methods and loss history, we pair these with our partner producers to offer the most favorable terms and pricing. Our team approach allows us to provide extraordinary coverage options and policy support that is found nowhere else:

• Our talented in-house underwriting specialists work closely with insureds, producers, and industry professionals to provide quick quotes on customized coverage. And once in place, the policy arrives right away, so insureds can refocus on their business, secure in the knowledge that they are covered.

• When coverage is in place, our Risk Management Direct (RMD) team welcomes the insured to the company, reviews policy terms and limits and establishes a direct point of contact for risk management concerns. And each insured receives the informative Risk Management Manual. In addition to providing claims reporting forms, the manual outlines general guidelines for claims prevention and provides valuable advice for the development of a risk management protocol.

• If a claim is filed, the Claims Direct Access (CDA) specialists quickly investigate and adjust claims in-house, focusing on early issue determination. Our expert CDA team works closely with examiners, risk managers, and insurers to provide high-quality efficient claims resolutions, reducing claims handling costs and expenses. When independent adjusters and attorneys are necessary to coordinate claims, our CDA professionals work toward a rapid resolution to control outside expenses.

If you have a unique risk, consider our services or contact us at Prime Insurance Company for more information. We can help you find the customized coverage you need.

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Authored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.