Prime Insurance Company has spent more than 40 years writing the risks other insurers decline. It’s an excess and surplus lines carrier headquartered in Chicago, and its trucking book is built around operations that can’t get placed in the standard market — at-fault losses, FMCSA alert scores, prior declinations, unusual operations, and new authority.
That specialization is genuinely valuable if you’re in that position. It also comes with a financial picture that has changed significantly in 2026, which is worth understanding before you bind.
Prime Insurance Company’s Current AM Best Rating
Prime Insurance Company holds a B (Fair) financial strength rating from AM Best, with ratings under review and negative implications as of August 31, 2026.
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