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Who Is Prime Insurance Company?

An Excess and Surplus Lines Carrier

It’s easy to think that Prime Insurance Company is just like any other insurance company out in the market. Most insurance providers are pretty much the same, offering the same sort of service with varying standards. This is not true in our case. Prime has a unique offering in that it covers individuals or risks that other standard insurers will usually decline.

That means if your clients undertake in a “dangerous” occupation or have a business that’s usually classed as high-risk, you can set them up with the insurance they need, that they cannot get anywhere else. From acrobats to pilots, therapy dog owners to tree surgeons, whatever your clients do, we have coverage.

For people looking to buy standard or general insurance for something common, it doesn’t really matter which insurance company they go for, but as a producer, you need to know where to look when clients require something more specialized or if they have been declined, canceled, or non-renewed over and over again. Prime is the insurance company to turn to.

We specialize in providing solutions for declined, canceled, or non-renewed risks. For your clients who have been turned down for insurance in the past, there is hope. We don’t want to see people going uninsured or finding the means to self insure, and we know that you don’t either. We know all too well that this causes stress and anxiety, not to mention the possibility of facing bankruptcy due to being handed a lawsuit. Your job is to help your clients avoid this situation and Prime is the ideal partner to help that happen.

We are proud to have 30 years of success under our belt because it means we really do have the expertise in providing customized insurance solutions that people need.

Our business model follows a path that many insurers are afraid to follow. By providing flexible and fast underwriting and by adopting a partnership approach for specialty or hard to place risks, we can set ourselves apart from the rest of the market and provide a much-needed solution for those that require it.

Product Lines

Our product line is extensive and includes:

  • Aviation (16+ classes)
  • Commercial Auto (9 classes)
  • Commercial Liability (79 classes)
  • Commercial Property and Inland Marine (5 classes)
  • Directors and Officers Liability Insurance (6 classes)
  • Errors and Omissions Insurance (7 classes)
  • Garage and Liability Towing (16 classes)
  • Healthcare Services (7 classes)
  • Personal Lines (31 classes)
  • Professional Liability (49 classes)
  • Specialty (16 classes)

Within each of those categories, we provide a broad selection of coverages allowing you to customize your plan, so it works exactly in line with your requirements.

We work closely with insurance producers to ensure each of their clients gets their necessary insurance. With Prime as the insurer, your clients will gain peace of mind to carry out activities in a stress-free way.

This approach has proven successful for the last 30 years, and we’re happy to make it available to your clients, existing and new.

Prime Insurance Company Facts

  • We were founded in 1992
  • We write business in all 50 states
  • Our rating by A.M. Best is “A” (Excellent)
  • In 2017 we wrote $117.1 million in premiums
  • In 2017, our combined ratio was 77.6%
  • We have relationships with prestigious insurance organizations such as Lloyd’s of London, Gen Re, and RLI

None of our achievements would be possible without our highly talented and experienced in-house team. In addition to evaluating the risk, offering expertise, and providing customizable options for coverage, we also have a legal team on board that delivers excellent results and claims service.

Helping Insurance Producers Write More Business

As an insurance producer, you want to be able to offer the best insurance carriers. Wouldn’t it be great if you could guarantee your client insurance? Instead of having to tell them they’re declined, you can instead offer them one of Prime Insurance Company’s products.

Prime Insurance has been partnering with insurance producers since the company began so we understand your need to offer a wide range of products to your clients.

We work with insurance producers to help them write more business and increase their offering to clients. We don’t interfere with the rest of your business; we simply provide insurance where others don’t.

Our quick quote turnaround time is also a bonus for those producers who like to provide options for their clients promptly.


We really enjoy getting out and about to meet potential and existing clients as well as brokers and insurance professionals. One way we do this is by attending industry events, expos, and trade shows. We feel it’s a fantastic opportunity to talk about our products and the unique position we have in the market. Our President & CEO, Rick J. Lindsey, often goes to industry events so if you’re looking to meet with the top decision maker of our company, feel free to reach out!

We have plenty of events lined up for the year so be sure to check out our events page to find out where we’ll be. Our booth is always staffed by one of our highly experienced team members who look forward to greeting people and explaining our product lines in a relaxed, informal, and fun atmosphere.

It’s easy to see why we have a reputation for being one of the best E&S carriers and one of the best property/casualty insurance carriers in the market. We pride ourselves on being different from the usual market offering and giving people relief when they know they can get the all-important peace of mind by being insured by us.

We believe that no matter what you do, you deserve to do it stress and worry free knowing your risks are covered. We’re proud to be able to make this vision a reality for you. All you need to do is get in touch by calling us at 801-304-5500 or emailing info@primeis.com.


Prime writes up to $10 million in-house, and up to $20 million through reinsurance partners. We work with top insurance companies like National Indemnity Co., AXA XL, and Transatlantic Re to extend what we offer to producers and their clients. Our reinsurer partners give us the power to underwrite even more risk, so you can take on more clients and expand your own offerings. We’re happy to discuss how our reinsurers can benefit you as an insurance professional — just get in touch with us with any questions.

Getting In Touch

We’re easy to get hold of. Contact 801-304-5500 or info@primeis.com and one of our experienced team members will be only too happy to assist you. Alternatively, if you would like to arrange a face to face meeting, we have offices in:

  • Salt Lake City, Utah
  • Chicago, Illinois
  • Naples, Florida

We’re quite active on social media! Follow us on Facebook, Instagram, or LinkedIn. These are great places to keep informed on our updates and announcements.


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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