Prime Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Prime Insurance Company Score
3.5 Stars
We award Prime Insurance Company a final rating of 3.5 out of 5 stars. The insurance company offers a wide variety of excess and surplus lines insurance products. It has excellent official ratings from AM Best and the Better Business Bureau but is not accredited through the latter organization. The carrier offers 24/7 claims reporting.
Founded in 1992, Prime Holdings Insurance Services, Inc. is headquartered in Salt Lake City, UT, and has additional offices in Chicago, IL, Naples, FL, and Exton, PA. Prime Holdings’ primary operating subsidiaries are Prime Insurance Company, Prime Property & Casualty Insurance Inc., Evolution Insurance Brokers, LC, and Greenlight Premium Finance Company. The carrier has more than 30 years of experience in the insurance industry.
Prime Insurance Company is a property and casualty surplus lines carrier that offers coverage nationwide and in most U.S. territories. It provides a stable market for a wide range of risks, including commercial auto, commercial liability, commercial property, inland marine, healthcare services, garage services, professional liability, and more.
Prime Insurance Company markets its products through a network of independent insurance agents, which help provide a comprehensive and personalized customer experience. Consider looking further into Prime Insurance Company to be your next trusted carrier with the help of your independent insurance agent.
Prime Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Prime Insurance Company Insurance Products by Type
Prime Insurance Company offers numerous commercial and personal excess and surplus lines insurance policies. Its large catalog includes the following products:
Business Insurance:
- Commercial auto insurance
- Commercial general liability insurance
- Commercial property insurance
- Inland marine insurance
- Errors and omissions insurance
- Directors and officers liability insurance
- Liquor liability insurance
- Aviation insurance
- Excess casualty insurance
- Active shooter liability insurance
- Garage liability and towing insurance
- Healthcare services insurance
- Product liability insurance
- Commercial umbrella insurance
- Commercial trucking insurance
- Contractor insurance
Personal Insurance:
- Amusement and recreation industry insurance
- Animal liability insurance
- Bar and restaurant insurance
- Boat and watercraft insurance
- Bus insurance
- Inflatables liability insurance
- Homeowners insurance
- Outdoor recreation industry insurance
- Personal liability insurance
- Taxi insurance
Prime Insurance Company Homeowners Insurance
Prime Insurance Company offers homeowners insurance policies with all the coverages you'd expect, including dwelling, liability, contents, and other structures. The carrier also offers the following optional coverage enhancements:
- Animal liability coverage
- Earthquake and flood coverage
- Replacement cost coverage
- TRU umbrella/excess liability coverage
An independent insurance agent can help you find more information about all the homeowners insurance coverage options available from Prime Insurance Company.
Prime Insurance Company Homeowners Insurance Average Prices
Prime Insurance Company does not make its average home insurance pricing information readily available. Interested customers can contact the carrier directly or work together with a local independent insurance agent who can obtain exact quotes. If you're interested in determining how much a homeowners insurance policy might cost you, check out our home insurance calculator.
What Discounts Does Prime Insurance Company Offer?
Prime Insurance Company does not make information about its discounts or savings opportunities readily available. An independent insurance agent can help you find out more about Prime Insurance Company's discount options.
Prime Insurance Company Customer Service
Prime Insurance Company offers the following contact options and availability:
- Phone
- Fax
- Snail mail
- Online claims reporting
- 24-hour emergency claims reporting by phone
- The company does not publish customer service hour restrictions
| Days | Hours | ||
| Monday-Sunday | Not Specified |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Prime Insurance Company FAQs
Prime Insurance Company does not specify an average claim response time frame. The company states on its website that all claims are handled in-house by claims managers and support staff. The in-house claims department provides an opportunity to promote a higher-quality, faster, and more efficient claims negotiating and team approach to handling claims, and reduces related claims handling costs and expenses.
Prime Insurance Company offers customer service by phone, fax, and email. The company encourages customers to seek service from the independent insurance agent who sold them their policies. Customer service phone department hours are not specified by the carrier, but 24-hour emergency claims reporting is available by phone. Customers can also report claims online.
Prime Insurance Company can receive claims by phone, fax, email, snail mail, or via the Claims Direct Access website. The company offers a 24-hour emergency claims line and an online claims reporting form. However, the carrier does not outline a specific claims process.
Prime Insurance Company offers online quote and application forms for hundreds of business classes, and comprehensive explanations of the coverage types that it offers. Customer service information is limited, but the company does offer numerous contact options and FAQs. Claims can be filed online or via a 24/7 emergency claims hotline. Prime Insurance Company has a robust social media presence, with profiles on LinkedIn, X, Facebook, YouTube, and Instagram.
Prime Insurance Company offers a variety of commercial insurance products for specialty industries or hard-to-place risks. The carrier's large catalog of business insurance products includes commercial auto insurance, professional liability insurance, directors and officers liability insurance, and much more.
Prime Insurance Company plays an important role in helping customers with unique or hard-to-place risks get the coverage they need. The insurance company offers expertise in excess and surplus lines of insurance for businesses that have had their policies canceled or have been rejected by other insurance companies. The carrier also has high official ratings. Overall, Prime Insurance Company can be considered a good insurance company.
Prime Insurance Company's insurance products may be right for professionals or individuals in search of coverage for unique risks. Coverage is available nationwide.
https://www.primeis.com
https://ratings.ambest.com/companyprofile.aspx?ambnum=13308&AltNum=255813308
https://www.bbb.org/us/il/chicago/profile/insurance-services-office/prime-insurance-company-0654-1000046783