Prime Insurance Company – Trusted Specialty and Surplus-Lines Partner for Connecticut Assisted Living Facilities

Supporting Connecticut Senior Care Communities with Hard-to-Place and Specialty Liability Solutions

Some assisted living facilities and their brokers turn to Prime Insurance Company and related XINSURANCE branding for hard-to-place liability and surplus-lines risks. Prime Insurance Company is headquartered at 8722 S Harrison St, Sandy, UT 84070.

For Connecticut-based assisted living and long-term care facilities, Prime may provide specialty or non-admitted coverage when standard markets decline or restrict terms, often coordinated under the XINSURANCE marketing platform led by CEO Rick J. Lindsey.

Who Is Prime Insurance Company?

Prime Insurance Company is a surplus-lines insurer writing specialty and hard-to-place risks, including property, casualty, and specialty liability. A BBB profile lists its headquarters at 8722 S Harrison St, Sandy, UT 84070-1420, with phone 801-304-5500 and an additional toll-free phone (800) 257-5590.

XINSURANCE is a marketing and program platform for Prime Insurance Company; contact information includes toll-free 877-585-2853, email info@xinsurance.com, and references to Rick J. Lindsey, President & CEO, at 801-304-5510.

Why Connecticut Assisted Living Facilities Need Prime

Connecticut assisted living facilities may work with Prime when:

• Their risk profile makes it difficult to obtain coverage in standard markets (e.g., adverse loss history, unusual operations).
• They need bespoke or manuscripted liability solutions.
• They require higher limits or specialized coverages that mainstream carriers will not provide.

Prime’s surplus-lines flexibility can keep coverage available when other markets hesitate.

What Sets Prime Insurance Company Apart

Prime/XINSURANCE emphasizes:

• Willingness to consider risks that other carriers decline, across many sectors.
• Direct communication channels, including toll-free numbers and email for agents and insureds.
• Leadership visibility through Rick J. Lindsey as President & CEO.

For Connecticut assisted living facilities, this can mean an option of “last resort” or a strategic specialty partner for challenging exposures.

Coverage Solutions for Connecticut Facilities

Through surplus-lines placements, Prime helps support:

• General and professional liability for hard-to-place senior-care risks.
• Excess liability and umbrella coverage when capacity is limited in standard markets.
• Customized endorsements and manuscript policies tailored to unique operations.

Facilities work through surplus-lines brokers and XINSURANCE contacts to explore and bind coverage.

Industry Insight: The Real Cost of Staff Burden in Hard-to-Place Senior Care

Surplus-lines carriers like Prime often see the results of chronic staff burden and weak documentation—facilities end up in the non-admitted market because of prior claims and regulatory issues. These histories reflect long-term documentation and staffing problems that made losses more severe and harder to defend.

Connecticut assisted living facilities that correct staffing and documentation issues can sometimes move back toward standard markets over time, or at least secure more favorable terms even in the surplus-lines space.

Case Story: When Documentation Failures Drive Facilities into Surplus-Lines Markets

Facilities with repeated, poorly documented claims may be non-renewed by standard carriers, forcing them to seek coverage from specialty and surplus-lines insurers like Prime. At that point, premiums and deductibles are often higher, and coverage terms more restrictive.

Facilities that use surplus-lines coverage as an opportunity to improve documentation and risk-management practices can work toward stabilizing their loss history and regaining access to a broader market.

How Caring Data Complements Your Specialty Insurance Program

Prime and other surplus-lines carriers rely heavily on detailed narratives and documentation to understand why a risk is hard-to-place and how it is improving. Caring Data helps Connecticut assisted living facilities centralize incident reports, clinical documentation, and corrective-action plans, creating a clear record of risk-management efforts.

By elevating documentation quality, Caring Data supports more effective discussions with Prime/XINSURANCE about both underwriting and claims.

Explore Caring Data: https://caringdata.com/

Book a Demo: https://calendly.com/saile/60min

Testimonial

“Managing an assisted living facility means balancing resident care, staff performance, regulatory compliance, and financial risk — all at once. When our risk profile became challenging, specialty carriers like Prime Insurance Company and XINSURANCE helped us maintain coverage. Using Caring Data as our compliance platform has helped us document improvements and support our discussions with specialty underwriters. I would recommend this combination to any Connecticut facility operator who takes risk management seriously.”

— Executive Director, Assisted Living Facility, Connecticut

Get in Touch with Prime Insurance Company / XINSURANCE

Prime/XINSURANCE Contact: https://www.xinsurance.com/contact/

Key Contacts:
Prime Insurance Company

• 8722 S Harrison St, Sandy, UT 84070; Other phone: (800) 257-5590.
• XINSURANCE general contact: 877-585-2853; Email: info@xinsurance.com.
• Rick J. Lindsey – President & CEO, Phone: 801-304-5510.

Final Thoughts

Connecticut assisted living facilities that need specialty or hard-to-place coverage can turn to Prime Insurance Company and XINSURANCE for bespoke solutions. Strong documentation—supported by Caring Data—helps improve their position in both surplus-lines and standard markets over time.

ProAssurance – Connecticut