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Prime Insurance Company

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Program Details -

Non-Standard Garage Liability Insurance Program


Non-Standard Garage Liability Insurance Program

Prime Insurance Company is a non-admitted excess and surplus lines insurance carrier providing liability solutions for distressed and hard to place garage liability risks that do not fit the underwriting criteria of traditional programs. In addition, Prime Insurance Company offers options to cover gaps and exclusions with customized coverage for exposures and liabilities found in typical programs. When the challenge is placement, Prime Insurance Company is here to help with insurance needs quickly and effectively.

Spectrum of Classes

Repair Shops / Body Shops

Storage / Impound Yards 

Valet Parking / Self-service Parking

Auto Exporters, Auto Dealers

Service Stations / Car Washes

Truck / Tractor Repair

RV Dealers

RV Repair

Truck / Tractor Sales,

All Equipment Sales or Repair

Emergency Vehicle Sales / Repair

Motorcycle / Motor Scooter Sales / Repair

Antique / Vintage Auto Sales / Repair

Heavy Truck / Trailer Sales / Repair

Golf Cart Sales / Repair

Mobile Vehicle Repair

Vehicle Auctions

Oil / Lube Shops

Vinyl Wrapping

Repo Services

& More

Eligible Risks

- Cancelled, Declined Or Non-Renewed Garage Risks

- Owners Have No Or Little Prior Experience In A New Venture

- High Claims Frequency And/Or Severity

- Garages Within Difficult Areas Of Practice Or Geography

- Other Unusual Circumstances Or Business Arrangements


Garage Liability

Garage Keepers Legal Liability

Dealers Open Lot

Excess Coverage Available

On Hook & Cargo Recovery

Wrongful Repossession

Drive Other Car


First Dollar Defense Option

Innocent Insured Protection

Installment Plans Available

Expert Counsel Provided

No Annual Gross Receipt Limits

Expert Underwriter Reviews Account With Broker/Insured Annually

Expanded Underwriting Guidelines To Include Additional Classes

Minimum Premium Depending On Limit Provided

Project Specific Coverage

Tailored Description Of Services For Each Unique Risk

User Friendly Claims-Made Application Form

Available for Accounts Domiciled In The U.S.

"Outside the Limits" Option Available

Submission Requirements

Accord Application With Description Of Operations

5 Years Currently Valued Loss Information

Employee list With Employee Name, D.O.B, Driver's License Number, Title And Position


Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming