Top 10 Ways Primex Pooled Coverage Protects You
It’s more than coverage – it’s a commitment
Public entity risk pools offer a smarter, more collaborative approach to protecting municipalities, school districts, and other public entities.
1 Our coverage is designed for you.
Primex³ is a Not-For-Profit Public Entity Risk Pool that understands the needs of New Hampshire’s cities, towns, school districts, counties, village districts, and other governmental entities, focusing exclusively on coverage to protect public sector entities.
2 Returns of surplus
Operating surplus is determined through an annual audit and returned to coverage program participants, effectively lowering coverage costs.
3 We won’t abandon you
We weather through hard losses together. You won’t have your coverage cancelled just because you had a tough year, or a few challenging claims. Pooling is about covering losses and helping you to manage future risks together.
4 Trained experienced staff
A team of highly qualified pooling professionals in Claims, Risk Management, Member Services, Law Enforcement, and Legal & Human Resources have many years of experience to help you manage your risks.
5 No surprises
Primex3 offers clear coverage and in-house employees who can assist with claims and coverage questions. Our property and automobile deductible is $1,000 per occurrence. The vehicle windshield replacement deductible is only $100. There is NO deductible for liability and cybersecurity claims.
6 Proven training
Education and training services are available at no additional cost to members at your location, through our website, or at our Concord facility. Approximately 60% of our building now consists of state-of-the art, flexible training and meeting space. This includes upgraded technology to allow for simultaneous in-person, remote, and hybrid trainings and meetings.
7 Legal and HR Services
Human Resources & Legal consultation services are available at no cost. Primex³ staff can provide guidance and assistance on many employment, contract, and public entity liability matters in an effort to prevent and mitigate claims.
8 Strong coverages
Primex³ coverages are designed for the NH local government sector and include workers’ compensation, property, general liability, employment practices and benefits liability, law enforcement, public officials’ and educators’ legal liability, public officials’ bonds, crime, cyber-liability, and volunteer medical accident coverage.
9 No sweating the small changes
We provide automatic coverage for most of your properties. We request scheduling only as needed for reinsurance purposes, and your contribution does not change when exposures are added mid-year. Property that needs to be scheduled can easily be added or deleted anytime by you through our secure portal.
10 Cybersecurity support
We have Risk Management Consultants and Legal experts ready to help you better understand and navigate this ever-evolving exposure. Resources such as the Cybersecurity Portal, tailored onsite or virtual employee training sessions, cybersecurity plan and policy creation, and third-party vendor contract reviews are all included with your membership in our Property & Liability program.
Have More Questions About Primex Coverage Benefits?
Coverage is just the beginning. Primex provides free, expert-led training to help members reduce risks and improve outcomes across our Property & Liability, Workers’ Compensation, and Unemployment Compensation programs.