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About Prime Insurance Company

Learn About Prime Insurance Company

Leading, Innovating in E&S Lines

Prime Insurance Company is an excess and surplus lines insurance carrier, specializing in solutions for specialty and declined risks. Without the options and solutions that Prime provides, many would go uninsured or self-insure their risk exposures.

Prime follows a bold business model that has inspired 40+ years of success and growth. We provide fast, flexible underwriting and a partnership approach for specialty, hard-to-place risks and risks that don’t meet the current appetite of other markets.  We provide solutions for commercial liability, personal lines, commercial auto (not available in all states), professional, and specialty liability. We work closely with the producer and the insured to provide the most suitable coverage for this risk.  This proven partnership approach leads to the advancement of mutual interests benefiting all parties.

A Stable Market

Prime Holdings Insurance Services, Inc. was founded in 1992 as a holding company for a suite of excess and surplus lines insurance service companies. Today, Prime insurance Company writes E&S business in all 50 states and is rated “A” (Excellent) by A.M. Best.*

Prime has seen great expansion over the last four decades, especially with the introduction of “Buy Like a Pro,” a customized, all-inclusive policy that encompasses general liability, property and casualty, professional, and commercial auto insurance. In 2020 alone, Prime Insurance Company wrote $100.8 million in premiums with a 72.1% combined ratio. We’ve also formed a number of strategic relationships with some of the world’s premier insurance organizations, including Lloyd’s of London, Gen Re, and RLI.

Commitment and Trust

Prime is a committed and trusted resource for brokers, agents, and customers. We understand specialty risks and challenging underwriting characteristics.  While working together under one roof, the Prime team evaluates the risk, offers risk management expertise, and options for coverage.  In addition, our in-house legal team delivers extraordinary claims service and results.

Prime has offices in Chicago, IL; Sandy, UT; Exton, PA; and Naples, FL.


*For the latest ratings visit www.ambest.com


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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