--- title: "Prime Insurance Company Review [Updated 2026]" description: "Prime Insurance Company provides coverage for high-risk properties and unique exposures through independent agents across all 50 states with A.M. Best rating of A- (Excellent)." canonical: "https://www.coveragecat.com/reviews/prime-insurance" last-updated: "2026-08-13" --- # Prime Insurance Company Review [Updated 2026] Prime Insurance Company occupies a unique corner of the insurance market. The company accepts risks that traditional carriers reject. Founded in 1992, Prime specializes in excess and surplus lines coverage for properties and exposures that standard insurers consider too risky [(Prime Insurance Company, "About Prime Insurance", 2026)](https://www.primeis.com/about/). This specialty focus means Prime serves customers who face significant challenges when seeking coverage elsewhere. The company writes policies across all 50 states through a network of independent agents [(Prime Insurance Company, "Specialty Insurance Solutions", 2026)](https://www.primeis.com/). With over 40 years of experience and an A.M. Best rating of A- (Excellent), Prime positions itself as a stable option for difficult-to-place risks [(AM Best, "Prime Insurance Company Rating", 2026)](https://ratings.ambest.com/companyprofile.aspx?ambnum=13308&URatingId=-1&bl=64&AltSrc=3&PPP=&AltNum=255813308&Ext_User=&Ext_Misc=&Portal=0). ## What Is Prime Insurance Company? Prime Insurance Company operates as an excess and surplus lines carrier. The company commenced business in 1990 and established its parent company, Prime Holdings Insurance Services, Inc., in 1992 [(Prime Insurance Company, "Prime Insurance Companies & Services", 2026)](https://www.primeis.com/about/prime-companies/). The company maintains headquarters in Sandy, Utah, with additional offices in Chicago, Naples, Florida, and Exton, Pennsylvania [(Prime Insurance Company, "Contact Information", 2026)](https://www.primeis.com/contact/). CEO Rick J. Lindsey joined Prime in 1996 when his excess and surplus business merged with the company. He oversees underwriting, risk management, and claims operations nationwide [(Ibid., "About Prime Insurance", 2026)](https://www.primeis.com/about/). According to company materials, Lindsey founded the business out of frustration with the insurance industry's lack of flexibility and its tendency to settle frivolous claims too quickly [(Prime Insurance Company, "Meet Rick J. Lindsey", 2022)](https://www.primeis.com/education-center/articles/meet-rick-j-lindsey-president-chairman-and-ceo-of-prime-insurance-company/). The company reports employing over 200 people across four locations [(Rick Lindsey, "About Rick J. Lindsey", 2022)](https://medium.com/@rickjlindsey/about-rick-j-lindsey-c4e38f998c8). In 2024, Prime wrote $385.8 million in gross premiums. The previous year saw $305.5 million in premiums, compared to $387.9 million in 2022 [(Prime Insurance Company, "Prime Insurance Companies & Services", 2026)](https://www.primeis.com/about/prime-companies/). In January 2026, Prime appointed Steven J. Ogella as Chief Risk Officer. Ogella previously served as Senior Vice President of Corporate Legal Operations since 2014 and now oversees the enterprise risk management framework, which includes risk identification, assessment, governance, and compliance [(Prime Insurance Company, "Prime Insurance Company Appoints Steven J. Ogella as Chief Risk Officer", 2026)](https://www.primeis.com/education-center/articles/prime-insurance-company-appoints-steven-j-ogella-as-chief-risk-officer/). | Company Metric | 2024 | 2023 | 2022 | |----------------|------|------|------| | Gross Premiums Written | $385.8M | $305.5M | $387.9M | | Property Premium Growth | Not specified | 21.7% increase | Baseline | | Commercial Auto Premium Change | Not specified | 29% decrease | Baseline | | Employee Count | 200+ across 4 locations | Not specified | Not specified | ## What Kinds of Insurance Does Prime Insurance Company Offer? Prime provides coverage across multiple specialty lines. The company focuses exclusively on hard-to-place risks that standard carriers decline [(Rick Lindsey, "About Rick J. Lindsey", 2022)](https://medium.com/@rickjlindsey/about-rick-j-lindsey-c4e38f998c8). The company offers the following product lines [(Prime Insurance Company, "Product Lines", 2026)](https://www.primeis.com/product-lines/): | Product Line | Coverage Type | |-------------|---------------| | Commercial Auto | Fleet and high-risk vehicle coverage | | Commercial Liability | General liability for specialty businesses | | Commercial Property | Buildings and contents for unique risks | | Inland Marine | Movable property and equipment | | Healthcare Services | Medical professional liability | | Garage Services | Auto repair and service businesses | | Professional Liability | Errors and omissions protection | | Directors & Officers | Management liability coverage | | Personal Lines | Homeowners insurance and personal coverage | | Liquor Liability | Alcohol service establishments | | TRU Umbrella | Excess liability protection | | Aviation | Aircraft-related coverage | | Active Shooter Liability | Specialized event coverage | | Excess Casualty | Additional liability limits | Prime also operates an admitted carrier subsidiary, Prime Property & Casualty Insurance Inc. (PPCI), domiciled in Chicago, Illinois. PPCI provides commercial auto coverage for trucks, buses, limos, taxis, towing, waste hauling, and paratransit in admitted markets across ten states: Florida, Illinois, Kansas, Kentucky, Massachusetts, North Carolina, New Jersey, New Mexico, Nevada, and South Carolina [(Prime Insurance Company, "About Prime Property & Casualty Insurance Inc.", 2026)](https://www.primeis.com/product-lines/prime-property-and-casualty-inc/). This subsidiary accepts high-risk drivers with poor claims history, hazardous cargo, and substandard DOT scores. ## Does Prime Insurance Company Sell Homeowners Insurance? Prime offers [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through its TRU Homeowners program. The company claims to have expanded these solutions in 2025 to address climate challenges [(Yahoo Finance, "Prime Insurance Company Expands Homeowner Insurance", 2025)](https://finance.yahoo.com/news/prime-insurance-company-expands-homeowner-183000591.html). The company states it provides coverage in catastrophe-prone regions where traditional carriers retreat. According to Prime's press release, the company deployed emergency response teams to assist insured homeowners with claims after Hurricanes Helene and Milton [Ibid.](https://finance.yahoo.com/news/prime-insurance-company-expands-homeowner-183000591.html). Prime's homeowners coverage targets properties that face elevated risks from: - Location in high-hazard zones - Prior claims history - Vacant or seasonal occupancy - Unique construction types - Properties declined by standard carriers The company also covers vacant properties through its specialty vacant structures program [(Prime Insurance Company, "Product Lines", 2026)](https://www.primeis.com/product-lines/). In February 2026, the company announced the hiring of Fernando "Fernie" Alvarez to support growth in high-net-worth excess and surplus lines, which signals continued expansion in personal lines coverage for affluent clients with complex property exposures [(Prime Insurance Company, "Prime Insurance Announces Strategic Addition of Fernando 'Fernie' Alvarez", 2026)](https://www.primeis.com/education-center/articles/prime-insurance-announces-strategic-addition-of-fernando-fernie-alvarez-to-support-high-net-worth-excess-surplus-lines-growth/). ## Does Prime Insurance Company Sell Auto Insurance? Prime provides [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) through its commercial auto line. The company experienced a 29% decrease in direct written premium for commercial auto in 2023 compared to 2022 [(Prime Insurance Company, "AM Best Reaffirms Rating", 2024)](https://www.primeis.com/education-center/articles/am-best-reaffirms-the-a-rating-for-prime-insurance-company/). The commercial auto coverage includes: - Fleet vehicles for specialty businesses - High-risk driver coverage - Towing and repossession vehicles - Transportation services - Used car dealer operations Prime handles claims through its in-house team, which the company claims has managed over 70,000 claims [(Ibid., "About Prime Insurance", 2026)](https://www.primeis.com/about/). In March 2024, the company won a defense verdict in a case where a train conductor claimed shoulder injuries from a collision with a Prime-insured tractor-trailer. The jury found the evidence did not support the conductor's claims and awarded nothing [(Insurance Business America, "Prime Insurance Company wins in jury trial", 2024)](https://www.insurancebusinessmag.com/us/news/legal-insights/we-fight-for-our-insureds--prime-insurance-company-wins-in-jury-trial-482313.aspx). Industry observers characterize Prime Insurance as a specialty carrier that accepts commercial auto risks other companies decline. A 2017 discussion on TruckersReport.com described Prime as a "high risk company" that writes coverage for operators with out-of-service issues, accidents, or MVR problems [(TruckersReport.com, "Prime insurance?", 2017)](https://www.thetruckersreport.com/truckingindustryforum/threads/prime-insurance.360503/). New trucking ventures are considered high risk for the first two years of their authority, which represents a core market for Prime's commercial auto products. ## Does Prime Insurance Company Sell Umbrella Insurance? Prime offers TRU Umbrella Coverage as part of its product lineup [(Prime Insurance Company, "Product Lines", 2026)](https://www.primeis.com/product-lines/). This [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) provides excess liability protection above underlying policies. The company's umbrella coverage serves customers with: - High-risk primary exposures - Specialty business operations - Properties in elevated-risk locations - Activities that standard carriers exclude Prime's approach to umbrella coverage aligns with its overall philosophy of accepting difficult risks that other carriers decline. ## How Does Prime Insurance Company Work? Prime operates exclusively through independent insurance agents. Customers cannot purchase policies directly from the company [(Ibid., "Specialty Insurance Solutions", 2026)](https://www.primeis.com/). The typical process works as follows: 1. **Agent Contact**: Customers work with an independent agent who has access to Prime's products 2. **Phone Consultation**: Prime arranges a phone call with every potential insured for what it describes as fast, flexible underwriting [Ibid.](https://www.primeis.com/) 3. **Underwriting Review**: In-house underwriting teams evaluate each risk and may conduct onsite visits [Ibid.](https://www.primeis.com/) 4. **Quote Delivery**: Agents receive quotes that include financing options through Greenlight Premium Finance [(Prime Insurance Company, "Financing for Coverage", 2021)](https://www.primeis.com/financing/) 5. **Policy Issuance**: As of January 1, 2025, Prime transitioned to a direct bill process that requires payment in full at binding [(Prime Insurance Company, "Frequently Asked Questions", 2026)](https://www.primeis.com/about/frequently-asked-questions/) Prime emphasizes personal contact throughout the process. The company states that its underwriting and risk management teams work directly with policyholders rather than through automated systems [(Ibid., "Specialty Insurance Solutions", 2026)](https://www.primeis.com/). ## Prime Insurance Company Pricing and Payment Options Prime's pricing reflects its specialty market position. The company accepts risks that standard carriers decline, which typically results in higher premiums than traditional insurance. ### Payment Methods Customers can pay through [(Ibid., "Frequently Asked Questions", 2026)](https://www.primeis.com/about/frequently-asked-questions/): - Wire transfers - Credit card payments - ACH (requires 4-day advance notice for non-rush binds) ### Financing Options Prime offers premium financing through its affiliate, Greenlight Premium Finance [(Ibid., "Financing for Coverage", 2021)](https://www.primeis.com/financing/). All quotes provided to Prime members automatically include financing options from Greenlight. Payment in full is required at binding unless utilizing Greenlight Premium Financing or an outside premium finance company [(Ibid., "Frequently Asked Questions", 2026)](https://www.primeis.com/about/frequently-asked-questions/). ## Customer Service and Support Prime provides multiple contact channels for policyholders and agents: **Main Office** [(Ibid., "Contact Information", 2026)](https://www.primeis.com/contact/): - Phone: 800-257-5590 - Address: 8722 S. Harrison St., Sandy, UT 84070 **Claims Department**: - Phone: 877-585-2849 - Available 24/7 through in-house claims hotline **Billing Department**: - Phone: 800-851-3495 The company maintains additional offices in Chicago, Naples, and Exton to serve customers across different regions [Ibid.](https://www.primeis.com/contact/). ## How to File a Claim with Prime Insurance Company Claims Direct Access (CDA), a Prime-affiliated company, manages all claims [(Prime Insurance Company, "Claims", 2026)](https://www.primeis.com/claims/). The company handles all claims in-house through claims managers and support staff [(Prime Insurance Company, "Services", 2026)](https://www.primeis.com/services/). Customers can report claims through: - Online incident reporting form - Telephone at 1-800-257-5590 - Facsimile at 1-877-452-6909 - 24/7 claims hotline at 877-585-2849 Prime operates with a claims philosophy focused on early determination of factual and legal issues that affect resolution and claims value [Ibid.](https://www.primeis.com/services/). The company states on its website that it "aggressively investigates and adjusts claims to the fullest extent practicable, as opposed to passively processing claims" [Ibid.](https://www.primeis.com/services/). The in-house claims team has reportedly handled over 70,000 claims [(Ibid., "About Prime Insurance", 2026)](https://www.primeis.com/about/). The company emphasizes its willingness to fight claims in court rather than settle, as demonstrated by obtaining the first jury verdict in Mississippi regarding Hurricane Katrina in favor of an insurance company [(Prime Insurance Company, "Notable Court Cases", 2024)](https://www.primeis.com/about/litigation-history/). ## Pros and Cons of Prime Insurance Company
### Pros - **Accepts High-Risk Properties**: Provides coverage for properties that standard carriers decline (Yahoo Finance, "Prime Insurance Company Expands Homeowner Insurance", 2025) - **Strong Financial Rating**: Maintains A.M. Best rating of A- (Excellent) with under review status (AM Best, "AM Best Downgrades Credit Ratings of Prime Insurance Company", 2026) - **In-House Claims Handling**: All claims managed by internal teams with 24/7 availability (Prime Insurance Company, "Claims", 2026) - **Personal Underwriting**: Arranges phone calls with every potential insured for flexible evaluation (Ibid., "Specialty Insurance Solutions", 2026) - **Nationwide Coverage**: Writes policies in all 50 states through independent agent network (Ibid., "About Prime Insurance", 2026) - **Premium Financing Available**: Offers financing through affiliate Greenlight Premium Finance (Ibid., "Financing for Coverage", 2021)
### Cons - **No Direct Purchase Option**: Must work through independent agents, cannot buy directly from company (Ibid., "Specialty Insurance Solutions", 2026) - **Higher Premiums Expected**: Specialty risk coverage typically costs more than standard insurance - **Not BBB Accredited**: Company is not accredited by Better Business Bureau (Better Business Bureau, "Prime Insurance Company Business Profile", 2026) - **Payment in Full Required**: Must pay entire premium at binding unless using premium financing (Prime Insurance Company, "Frequently Asked Questions", 2026) - **Mixed Customer Reviews**: Reviews show varied satisfaction levels across different platforms - **Recent Rating Downgrade**: AM Best downgraded financial strength rating in January 2026 due to adverse reserve development (AM Best, "AM Best Downgrades Credit Ratings of Prime Insurance Company", 2026)
## Prime Insurance Company Ratings and Customer Feedback Prime Insurance Company receives mixed ratings across different review platforms. The company's specialty market position and claims philosophy contribute to varied customer experiences. | Rating Source | Score | Notes | |--------------|-------|-------| | **A.M. Best Financial Strength** | A- (Excellent) | Rating downgraded January 2026; placed under review with negative implications [(AM Best, "AM Best Downgrades Credit Ratings of Prime Insurance Company", 2026)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36972) | | **Demotech** | Withdrawn | FSR withdrawn 5/9/2025; company states this was part of a strategic shift to focus on more impactful market-recognized ratings [(Demotech, "Prime Insurance Company", 2025)](https://www.demotech.com/company/12588/) | | **NAIC Complaint Index** | Not available | Complaint data available through NAIC Consumer Information Source database | | **Yelp** | Not available | No dedicated Yelp profile found for Prime Insurance Company headquarters | | **Google Maps Reviews** | Not available | No Google Maps reviews found for Sandy, UT headquarters | | **Trustpilot** | Not available | No Trustpilot profile found for Prime Insurance Company | | **BBB Rating** | A+ (Business Rating) | Not BBB Accredited. Insurance Companies in Sandy, UT. [(BBB, "Prime Insurance Company Business Profile", 2026)](https://www.bbb.org/us/ut/sandy/profile/insurance-companies/prime-insurance-company-1166-22231539) | | **BBB Customer Reviews** | 1.0/5 stars | Based on limited customer reviews [(BBB, "Prime Insurance Company Customer Reviews", 2026)](https://www.bbb.org/us/ut/sandy/profile/insurance-companies/prime-insurance-company-1166-22231539/customer-reviews) | | **Facebook** | 3.7/5 stars | Social media platform rating | | **RateABiz** | 5/5 stars | Online business review platform | ### Financial Strength Analysis AM Best downgraded Prime Insurance Company's Financial Strength Rating to A- (Excellent) from A (Excellent) on January 29, 2026. The credit rating agency also downgraded the Long-Term Issuer Credit Rating to "a-" (Excellent) from "a" (Excellent) and placed both ratings under review with negative implications [(AM Best, "AM Best Downgrades Credit Ratings of Prime Insurance Company", 2026)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36972). According to AM Best, the downgrades reflect significant adverse reserve development in 2024 and concerns about reserve adequacy in Prime's commercial auto liability business. The rating agency cited ongoing challenges in the commercial auto insurance sector, where social inflation has contributed to rising loss costs [(Ibid., "Prime Insurance Company Rating", 2026)](https://ratings.ambest.com/companyprofile.aspx?ambnum=13308&URatingId=-1&bl=64&AltSrc=3&PPP=&AltNum=255813308&Ext_User=&Ext_Misc=&Portal=0). Prior to this downgrade, AM Best affirmed Prime's Financial Strength Rating of A (Excellent) with a stable outlook in February 2025. At that time, the rating agency praised Prime's strong operating performance and appropriate enterprise risk management [(Business Wire, "Prime Insurance Company Affirms 'A (Excellent)' Financial Strength Rating from AM Best", 2025)](https://www.businesswire.com/news/home/20250206523989/en/Prime-Insurance-Company-Affirms-A-Excellent-Financial-Strength-Rating-from-AM-Best). However, the balance sheet was negatively impacted by material adverse loss development during Q3 2024, which contributed to a projected overall pre-tax operating loss for 2024 [(Business Wire, "AM Best Revises Issuer Credit Rating Outlook to Stable for Prime Insurance Company", 2025)](https://www.businesswire.com/news/home/20250205524562/en/AM-Best-Revises-Issuer-Credit-Rating-Outlook-to-Stable-for-Prime-Insurance-Company). Prime's balance sheet is supported by a quota share arrangement with RLI Insurance Company, which acts as both reinsurer and equity partner-owner [Ibid.](https://www.businesswire.com/news/home/20250205524562/en/AM-Best-Revises-Issuer-Credit-Rating-Outlook-to-Stable-for-Prime-Insurance-Company). Prime Insurance Company will no longer be rated by Demotech, as part of a strategic shift to focus on more impactful market-recognized ratings. The company previously held an A″ (A Double Prime), Unsurpassed rating from Demotech, which was withdrawn on 5/9/2025 [(Demotech, "Prime Insurance Company", 2025)](https://www.demotech.com/company/12588/). The company wrote $385.8 million in gross premiums in 2024, a significant increase from $305.5 million in 2023 [(Prime Insurance Company, "Prime Insurance Companies & Services", 2026)](https://www.primeis.com/about/prime-companies/). Property class direct written premiums increased 21.7% in 2023 over 2022, while commercial auto premiums decreased 29% during the same period [(Ibid., "AM Best Reaffirms Rating", 2024)](https://www.primeis.com/education-center/articles/am-best-reaffirms-the-a-rating-for-prime-insurance-company/). ### Customer Reviews Summary Customer reviews on the BBB profile reveal common themes. Regarding claims handling experiences, one reviewer noted: "Prime insurance is the worse insurance company I have ever seen. I dont know how they are in business. I was park not moving and was hit by one of their clients. Its going on four months and still my vehicle is wreck and I havent received a dime." [(BBB, "Prime Insurance Company Customer Reviews", 2026)](https://www.bbb.org/us/ut/sandy/profile/insurance-companies/prime-insurance-company-1166-22231539/customer-reviews) On pricing and policy issues, another customer wrote: "My company operates in the logistics business, and we had been insured with Prime for five years. However, when it came time to renew our policy for the sixth year, Prime unexpectedly decided to significantly increase the price without providing us with proper notice, which is required by the law in our state." [Ibid.](https://www.bbb.org/us/ut/sandy/profile/insurance-companies/prime-insurance-company-1166-22231539/customer-reviews) Prime does respond to BBB complaints. In one response regarding claims delays, the company stated: "Were sorry that we have not yet been able to coordinate the start of repairs on your vehicle. The replacement parts are currently unavailable. This is a national problem not just for Prime. Fortunately, your vehicle is still drivable." [Ibid.](https://www.bbb.org/us/ut/sandy/profile/insurance-companies/prime-insurance-company-1166-22231539/customer-reviews) Positive testimonials from long-term clients and insurance producers paint a different picture. On the company's testimonials page, agents and customers highlight responsive service, partnership approach, and Prime's willingness to handle creative and difficult risks [(Prime Insurance Company, "Exceptional Customer Service | Prime Insurance Testimonials", 2024)](https://www.primeis.com/about/testimonials/). Some clients report relationships lasting over ten years, with praise for five-star customer service and cross-timezone communication. ## Frequently Asked Questions About Prime Insurance Company ### Can I buy insurance directly from Prime Insurance Company? No. Prime operates exclusively through independent insurance agents. Customers cannot purchase policies directly from the company [(Ibid., "Specialty Insurance Solutions", 2026)](https://www.primeis.com/). ### What types of properties does Prime Insurance Company cover? Prime specializes in hard-to-place risks including properties in catastrophe-prone regions, vacant structures, seasonal homes, and properties declined by standard carriers [(Yahoo Finance, "Prime Insurance Company Expands Homeowner Insurance", 2025)](https://finance.yahoo.com/news/prime-insurance-company-expands-homeowner-183000591.html). The company also covers specialty business risks across multiple product lines [(Prime Insurance Company, "Product Lines", 2026)](https://www.primeis.com/product-lines/). ### How do I file a claim with Prime Insurance Company? Report claims through the online incident form, call 1-800-257-5590, fax to 1-877-452-6909, or use the 24/7 claims hotline at 877-585-2849 [(Ibid., "Claims", 2026)](https://www.primeis.com/claims/). Claims Direct Access (CDA), Prime's affiliated company, manages all claims. ### Does Prime Insurance Company offer payment plans? As of January 1, 2025, Prime requires payment in full at binding unless customers use Greenlight Premium Financing or an outside premium finance company [(Ibid., "Frequently Asked Questions", 2026)](https://www.primeis.com/about/frequently-asked-questions/). The company offers financing through its affiliate, Greenlight Premium Finance [(Ibid., "Financing for Coverage", 2021)](https://www.primeis.com/financing/). ### What is Prime Insurance Company's A.M. Best rating? Prime maintains an A- (Excellent) Financial Strength Rating from A.M. Best. The rating was downgraded from A (Excellent) in January 2026 and placed under review with negative implications due to adverse reserve development in the commercial auto liability segment [(AM Best, "AM Best Downgrades Credit Ratings of Prime Insurance Company", 2026)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36972). ### In what states does Prime Insurance Company operate? Prime writes insurance in all 50 states through its network of independent agents [(Prime Insurance Company, "About Prime Insurance", 2026)](https://www.primeis.com/about/). ### How long has Prime Insurance Company been in business? Prime commenced business operations in 1990. The parent company, Prime Holdings Insurance Services, Inc., was founded in 1992 [(Ibid., "Prime Insurance Companies & Services", 2026)](https://www.primeis.com/about/prime-companies/). The company has operated in the specialty insurance market for over 30 years. ### Does Prime Insurance Company handle its own claims? Yes. Prime handles all claims in-house through its affiliated company, Claims Direct Access (CDA) [(Ibid., "Claims", 2026)](https://www.primeis.com/claims/). The in-house claims team has reportedly managed over 70,000 claims [(Ibid., "About Prime Insurance", 2026)](https://www.primeis.com/about/). ### Is Prime good insurance for high-risk properties? Prime Insurance Company specializes in excess and surplus lines coverage for high-risk properties that standard carriers decline. The company has over 40 years of experience in this market segment and maintains an A- (Excellent) financial strength rating from A.M. Best [(AM Best, "Prime Insurance Company Rating", 2026)](https://ratings.ambest.com/companyprofile.aspx?ambnum=13308&URatingId=-1&bl=64&AltSrc=3&PPP=&AltNum=255813308&Ext_User=&Ext_Misc=&Portal=0). However, customers should be aware of the recent rating downgrade and mixed customer reviews when evaluating whether Prime is good insurance for their specific needs. Long-term clients report positive experiences with Prime's customer service and claims handling [(Prime Insurance Company, "Exceptional Customer Service | Prime Insurance Testimonials", 2024)](https://www.primeis.com/about/testimonials/), while BBB complaints highlight concerns about claim denials and unexpected premium increases.