How does Prime quote and bind a campsite or RV park policy?

Quotes run through an insurance producer. Applications can be submitted online or downloaded and returned by email, fax, or mail, and Prime requires a phone call with the owner or applicant to finalize pricing. Payment is required to bind coverage, and the effective date is tied to when payment is received. Prime does not accept submissions more than 30 days from expiration, and says it can provide same-day quotes and proof of coverage once the underwriting call is done.

Is there a minimum premium?

Prime states there are no minimum premium requirements for producers. However, minimum earned premium on a policy could be higher than the industry standard, and the policy may be fully earned in the event of a loss.

What changed with direct billing in 2025?

For policies effective on or after January 1, 2025, Prime moved to a direct bill process under which XINSURANCE is responsible for filing and paying excess and surplus lines taxes. Prime says the commission fee structure is unchanged and that it continues to accept Greenlight Premium Finance Company and outside financing.

Park insurance

Prime Insurance Company

Prime Insurance Company is an excess and surplus lines carrier that writes property and casualty coverage for specialty risks, including campsites, campgrounds, RV parks, and mobile home parks. It writes E&S business in all 50 states and lists more than 700 product classes.

Coverage is placed through insurance producers rather than sold direct. Prime arranges a call with the producer and the insured before quoting, and requires a phone call with the owner or applicant to finalize pricing. Payment is required to bind, the effective date is tied to when payment is received, liability coverage is subject to a self-insured retention, and a personal guarantee is required to bind unless the retention is fully funded. Minimum earned premium may be higher than the industry standard, and the policy may be fully earned in the event of a loss. For policies effective on or after January 1, 2025, Prime bills directly and XINSURANCE files and pays excess and surplus lines taxes.

Underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, and claims administration are handled in-house. The company says its claims team has handled over 70,000 claims, that it can write up to $10 million in-house, and that it has been in business more than 40 years. Prime Insurance Company is domiciled in Illinois with its principal place of business in Sandy, Utah; affiliate Prime Property & Casualty Insurance Inc. is an admitted carrier for commercial auto in FL, IL, KS, KY, MA, NJ, NM, NV, and SC. Reinsurance partners and their A.M. Best ratings are listed on the site.

Prime states it will not compete on premium and does not accept submissions more than 30 days from expiration. There are no minimum premium requirements for producers. Insureds must sign and return the Policy Receipt Form to the risk management team within 10 days of receiving the policy. Check current ratings at ambest.com before binding.

Best for

Campground, RV park, and mobile home park owners whose risk has been declined or non-renewed elsewhere, working through an insurance producer. Not a fit for owners shopping purely on premium.

What they do

Campsite and campground general liability
RV park liability and property coverage
Commercial general liability and premises liability
TRU umbrella and excess liability
Commercial auto coverage (available in most states)
Special events liability
Animal liability and watercraft coverage
Equipment rental liability
Liquor liability
In-house claims administration and risk management

Details

Attribute	Value
Other offices	Chicago, IL, Naples, FL, Exton, PA
Licenses	Unlicensed excess and surplus lines carrier domiciled in Illinois, Prime Property & Casualty Insurance Inc. admitted in FL, IL, KS, KY, MA, NJ, NM, NV, SC
How they charge	No minimum premium requirements for producers; pricing is quoted only after an underwriting call with the owner or applicant.
Coverage	Property, GL, Umbrella

What stands out

Writes excess and surplus lines business in all 50 states, across more than 700 listed product classes.
Says its in-house claims team has handled over 70,000 claims.
States it has been in business more than 40 years.
Can write up to $10 million in-house, with underwriting, legal, risk management, and claims under one roof.
Affiliate Prime Property & Casualty Insurance Inc. is admitted for commercial auto in FL, IL, KS, KY, MA, NJ, NM, NV, and SC.

Common questions

How does Prime quote and bind a campsite or RV park policy?: Quotes run through an insurance producer. Applications can be submitted online or downloaded and returned by email, fax, or mail, and Prime requires a phone call with the owner or applicant to finalize pricing. Payment is required to bind coverage, and the effective date is tied to when payment is received. Prime does not accept submissions more than 30 days from expiration, and says it can provide same-day quotes and proof of coverage once the underwriting call is done.
Is there a minimum premium?: Prime states there are no minimum premium requirements for producers. However, minimum earned premium on a policy could be higher than the industry standard, and the policy may be fully earned in the event of a loss.
What changed with direct billing in 2025?: For policies effective on or after January 1, 2025, Prime moved to a direct bill process under which XINSURANCE is responsible for filing and paying excess and surplus lines taxes. Prime says the commission fee structure is unchanged and that it continues to accept Greenlight Premium Finance Company and outside financing.