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A Partnership Approach That Makes Your Job Easier

Partnership Approach Builds Your Book of Business

In this highly competitive economic climate, it is absolutely imperative that insurance agents and brokers increase their book of business in order to stay viable, much less profitable. Offering different types of insurance is a “must,” but equally important is whom you choose to work with.

Prime Insurance Company is a leading provider of excess and surplus lines, property and casualty insurance. For more than 40 years, Prime has been a proven resource for insurance producers, broadening the spectrum of possibilities for business by providing innovative liability solutions for specialty risks.

  • Commercial Auto (available in most states)
  • Commercial Property/Inland Marine
  • Personal Lines
  • Professional Liability/Errors & Omissions
  • Commercial Liability
  • Aviation
  • Garage Liability/Towing
  • Directors and Officers Liability
  • And more!

Hard-to-Place, Easy to Write

Prime’s unique ability to supply a stable market beyond the boundaries of other insurance carriers opens up options for a larger book of business. Fact is, Prime excels in hard-to-place risks. What exactly are hard-to-place risks? They have an elevated or atypical exposure to liability, and are typically rejected, declined, or canceled by carriers on the standard market — they simply don’t meet the carrier’s customary underwriting guidelines and criteria. Perhaps the most common reason is an adverse loss history — a disproportionately large number or severity of incidents, claims, or lawsuits resulting in a loss.

Prime is driven to distinguish itself from other carriers by delivering unique and specialty risks that simply cannot be found elsewhere. As a result, insurance producers can stop passing on hard-to-place risks and start writing them.

Resources and Balanced Support Under One Roof

Prime is all about providing the best solutions for specialty risks. That takes a well-informed, balanced team that supports Prime, the producer, and the insured.

Prime offers customized underwriting, including no minimum production requirements, fast quotes, and quick delivery of policy. We provide focused and tangible risk management practices to eliminate or reduce controllable losses. And, we have an in-house legal team that negotiates equitable and quick resolutions, with access to a nationwide network of defense attorneys, adjusters, and investigators.

Partnership Advantage

Yet equally important is Prime’s partnership approach to business where we build trusted relationships with our partners and Insureds. As partners, we are dedicated to showing our producers how to attain a new level of success when other markets decline coverage.

Our steadfast commitment to this business approach empowers producers to generate and serve more clients — and leads to the advancement of mutual interests benefiting all parties. By working together, we increase our value — that’s the partnership advantage.

To learn how Prime Insurance Company can increase your book of business in this — and any — economic climate, contact 800-257-5590.


rick lindseyAuthored 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.

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