Small Business Insurance

Protect Your Small Business with Comprehensive Insurance Coverage

Home / Commercial Liability / Small Businesses

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Small Business Insurance

Small business owners face a variety of challenges every day, from managing employees to attracting new customers. However, one of the most important challenges they face is protecting their business from unexpected events that could threaten their operations. That’s where small business insurance comes in – it provides comprehensive coverage that can help protect their business from a wide range of risks. From property damage to liability claims, small business insurance is essential for any entrepreneur looking to protect their investment and ensure the long-term success of their business.

As an insurance producer, you can expand your book of business by partnering with Prime Insurance Company to offer small business insurance to these business owners in need of liability insurance. We are a leading excess and surplus lines insurance company that has been providing customized insurance policies to small businesses for over 40 years. Read on to learn more or get started by requesting an insurance quote today!

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients who own a small business of any industry, including:

  • Professional Services
  • Startups
  • Construction
  • Real Estate
  • Transportation
  • Retail
  • Healthcare
  • Entertainment and Recreation
  • Food Services
  • Finance and Insurance
  • Educational Services
  • Manufacturing and Distribution
  • Consulting
  • And More!

Coverage Options

  • TRU Umbrella / Excess Liability
  • Commercial General Liability
  • Professional Liability
  • Personal Liability
  • Property Coverage
  • Commercial Auto (available in most states)
  • Directors and Officers (D&O)
  • Premises Liability
  • Liquor Liability
  • Products Liability
  • Employee Practices Liability Insurance (EPLI)
  • Equipment Rental Liability
  • Special Events Liability
  • Alleged Sexual Abuse & Molestation Liability
  • Alleged Assault & Battery Liability
  • Active Shooter Liability Coverage
  • Communicable Disease Coverage
  • And More


What is Small Business Insurance?

Small business insurance is a type of insurance designed to protect small businesses from financial losses due to unexpected events such as property damage, lawsuits, and accidents. It provides coverage for things like liability, property damage, and bodily injury. The purpose of small business insurance is to help business owners mitigate risk and protect their assets.

Why Do Your Clients Need Small Business Insurance?

It’s best to carry small business insurance to provide coverage in the event of an accident, claim, or lawsuit.

Depending on the type of business or location, liability insurance may be required. But sometimes, what’s required isn’t enough. Your client might have a policy that they think provides the coverage they need but when a claim arises, they soon discover they aren’t covered. The truth is, many insurance companies have gaps and exclusions in their policies that will likely not cover all aspects of the business. However, Prime writes customized insurance policies based on your client’s needs so they can run their business with true peace of mind.

The Benefits of Small Business Insurance

There are many benefits to having liability insurance coverage for a small business. Some include:

  1. It helps businesses win more clients
  2. It helps businesses attract and retain the best talents
  3. It protects businesses against the damaging effects of lawsuits and claims
  4. It keeps a business running and profitable year-over-year
  5. It helps businesses conform with legal requirements

Read our blog about the top 5 benefits of small business insurance to learn more.

Get a Small Business Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your small business insurance quote today by clicking the “Get a Quote!” button above.


  • Expand your book of business by offering Prime Insurance Company’s small business insurance to your clients who need specialty liability insurance. Prime can help even if your client has been declined, canceled, or non-renewed by another insurance company.
  • Our small business insurance can protect your clients if a claim, lawsuit, incident, or accident occurs.
  • We can help small businesses of all industries, even if they’re brand new.
  • We offer various insurance coverage options for small businesses, including commercial general liability, professional liability, commercial auto, TRU Umbrella, and more.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Small business insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Experts in Insurance Solutions for Small Businesses

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure small businesses all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for small businesses. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

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**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.