Prime – Excess & Surplus Specialty Carrier Supporting Hard-to-Place Senior-Care-Related Risks
Helping Senior-Care Ecosystems Through Customized Specialty and E&S Liability Solutions
Prime Insurance Company is an excess and surplus (E&S) lines carrier that provides customized specialty insurance products for hard-to-place risks. Prime offers flexible underwriting, risk-management expertise, and integrated claims handling, often insuring risks that standard carriers will not or cannot cover. It operates nationally, including authorization to write surplus lines in states like New York.
Who Is Prime in Senior-Care-Related Specialty Risk?
Prime markets itself as a solution for “specialty” and distressed risks across property and casualty classes, including general liability, multi-peril, and property. Its partnership approach brings underwriting, risk-management, and claims under one roof, enabling tailored coverage for unique or challenged exposures. For senior-care ecosystems, Prime may provide liability coverage for non-standard operations, prior-loss issues, or unusual service models that do not fit admitted markets.
Prime’s website and marketing emphasize direct relationships with producers and insureds to craft individualized coverage forms.
Why Senior-Care Ecosystems Need Prime
Senior-care ecosystems may rely on Prime when:
- Senior-care or allied-care operations are declined by standard markets due to claims history, unusual services, or tough venues.
- Coverage needs include non-standard GL/PL or property in an E&S format.
- Underwriters and claims teams require detailed, candid incident and risk-management documentation.
That makes robust incident, operations, and governance documentation essential for providers seeking Prime’s help.
Case Study: Prime Specialty Coverage for a Challenged Senior-Care Operation
A senior-care operator with significant past claims and non-standard services (e.g., high-risk activities, complex property exposures) is non-renewed by a standard carrier. Its broker works with Prime to secure E&S liability coverage. Prime’s underwriters request:
- Detailed loss runs and incident descriptions for several years.
- Policies and procedures for higher-risk activities and prior corrective actions.
- Governance and QI documentation showing how lessons from past claims are applied.
Information exists but is disorganized.
The operator implements Caring Data to standardize incident tracking, functional and clinical measures, staffing metrics, and QI projects. Prime’s underwriters and risk-management team use Caring Data-based summaries to calibrate terms, retentions, and risk-management conditions, allowing coverage to move forward on an informed basis.
Key Contact
Prime Insurance Company – Specialty E&S
Role: excess and surplus lines carrier providing customized specialty property and casualty products for hard-to-place risks.
Features: flexible underwriting; integrated underwriting, risk-management, and claims under one roof.
Website:
https://www.primeis.com/
Address (listing):
8722 South Harrison Street, Sandy, UT 84070
Phone (listing): 1-800-257-5590
Contact (listing): Rick J. Lindsey – cda@xinsurance.com
Final Thoughts
Senior-care ecosystems benefit when specialty E&S carriers like Prime are available to support non-standard or distressed risks that still provide vital services. Caring Data supplies the structured documentation that makes specialty underwriting and ongoing risk-management more precise.
ProAssurance – Senior Care Healthcare Liability – United States