Prime Insurance Company – Excess and Surplus Lines Carrier Partner for Florida Senior-Care and Hard-to-Place Risks

Supporting Florida Senior Care Communities with Solutions for Hard-to-Place and Declined Risks

Prime Insurance Company is an excess and surplus lines carrier headquartered in Sandy, Utah, that specializes in hard-to-place, declined, or canceled risks, including liability and property exposures that may arise in Florida senior-care operations. The company’s BBB profile lists its headquarters at 8722 S Harrison St, Sandy, UT 84070-1420, with phone (801) 304-5500 and additional phone 800-257-5590.

Company directory information confirms the headquarters address 8722 S Harrison St, Sandy, Utah 84070, phone number (800) 257-5590, and website www.primeis.com.

Who Is Prime Insurance Company?

Prime Insurance Company is an excess and surplus lines carrier providing solutions for hard-to-place and declined risks. It focuses on specialty liability, property and casualty, and professional liability, offering fast, flexible underwriting and a partnership approach with insureds and producers.

Prime operates nationally from its Sandy, Utah headquarters and works closely with underwriters and partners to craft coverage for unique exposures.

Why Florida Assisted-Living Facilities Need Prime

Florida assisted-living facilities may work with Prime when:

• They have unusual, high-hazard, or previously declined exposures that standard carriers will not insure.
• They face claims histories or operations that require customized surplus-lines solutions.
• Brokers look for alternative liability or property capacity for particularly challenging risks.

Prime’s appetite for hard-to-place risks makes it a potential last-resort or specialty partner for certain senior-care accounts.

What Sets Prime Insurance Company Apart

Prime emphasizes:

• Specialization in hard-to-place and declined risks, rather than standard lines.
• Headquarters at 8722 S Harrison St, Sandy, UT 84070, with main phone (800) 257-5590 and website www.primeis.com.
• A partnership approach to underwriting and claims, seeking to structure coverage around unique risk profiles.

For Florida senior-care communities with challenging risk characteristics, Prime may offer options where admitted markets do not.

Coverage Solutions for Florida Facilities

Through its excess and surplus operations, Prime helps support:

• Specialty liability and property coverage for unique senior-care and allied operations.
• Tailored solutions for risks that fall outside standard underwriting guidelines.
• Claims handled through Prime’s internal claims teams, coordinated via its Sandy headquarters and phone contacts.

Facilities usually access Prime through specialized brokers and wholesalers.

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

For carriers like Prime, hard-to-place accounts often come with elevated loss histories and inconsistent documentation. When facilities are too burdened to maintain detailed records, claims become harder to control, which in turn keeps these risks in the non-standard market.

Florida assisted-living providers that invest in stronger documentation and risk-management practices can eventually become more attractive to a broader range of carriers, potentially reducing reliance on surplus-lines markets.

Case Story: When Documentation Gaps Keep Facilities in the E&S Market

If a Florida assisted-living facility relies on Prime due to prior losses but continues to provide thin incident and corrective-action documentation, loss experience may remain volatile and prevent a transition back to standard carriers.

Facilities that use structured tools to track incidents, interventions, and improvements give brokers and Prime better data to show progress over time.

How Caring Data Complements Prime Insurance Solutions

Prime’s underwriting and claims decisions rely on detailed information about unique exposures and how they are managed. Caring Data helps Florida assisted-living communities centralize incident reports, clinical and operational documentation, and corrective-action plans, giving brokers and Prime a clearer view of risk controls.

By strengthening documentation discipline and visibility, Caring Data can help improve outcomes under Prime policies and support eventual movement toward more standard markets where appropriate.

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

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

Testimonial

“Managing an assisted-living facility in Florida means balancing resident care, staff performance, regulatory compliance, and financial risk — all at once. At one point, we needed specialty capacity from carriers like Prime Insurance Company to handle our unique exposures. Using Caring Data as our compliance platform has helped ensure that our documentation shows the improvements we’re making. I would recommend this combination to any Florida facility operator who takes risk management seriously.”

— Executive Director, Assisted Living Facility, Florida

Get in Touch with Prime Insurance Company

Website:
https://www.primeis.com/

Key Headquarters Reference:

• Prime Insurance Company, 8722 S Harrison St, Sandy, UT 84070-1420; Phone: (800) 257-5590.

Final Thoughts

Florida assisted-living facilities that require Prime’s hard-to-place solutions benefit from a flexible specialty partner; Caring Data helps document the improvements that can reduce long-term reliance on the surplus-lines market.

ProAssurance – Florida