Comprehensive coverage for what lies ahead.
With emerging technology and changes in public policy, your needs are constantly evolving. Primex³ is a proactive partner to help you address changes on the horizon, while providing stable, effective coverage today.
Managing your risk begins with the right coverage
Property & Liability
Extensive and comprehensive coverage designed for NH public entities for all your property, liability, and employment-related needs. Primex³ not only provides you the protection you need, but also the training, Legal and HR services you can use to reverse any rising trends.
Workers’ Compensation
An injured worker is more than just a claim number. They’re a member of your team. We meet face-to-face with injured workers and give them the tools to get them healthy, back to work, and back to their normal lives as soon as possible.
Unemployment Compensation
Primex³ offers members cost-effective coverage and the expertise they need to manage claims. There’s no need to worry about paperwork or appeals. Primex³ has you covered.
10 Ways the Primex3 Pooled Coverage Protects You
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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.
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Financial Assurance. The Contribution Assurance Program (CAP) caps the total increase from year-to-year, giving our members more certainty on their annual costs. This program provides assured future rate protection and is not simply a “rate cap” that could result in larger-than-expected increases.
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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.
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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.
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No surprises. Primex³ offers clear coverage and in-house employees who can explain it. No hidden deductibles or unexpected costs. Our property and automobile deductible is $1,000 per occurrence. The vehicle windshield replacement deductible is only $100. Your liability coverage is not subject to any deductibles.
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Proven training. Extensive education and training services are available at no additional cost to members. Primex³ offers educational opportunities at your work location, at our state-of-the-art training facility in Concord, or through our website.
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Legal and HR Services. Human Resources & Legal consultation services are available at no cost. Primex³ staff can provide guidance and assistance with all your employment-related matters, and our general counsel is available for contract reviews, particularly the sections on insurance and indemnification.
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Strong coverages. Primex³ coverage includes general liability, law enforcement, public officials' and educators’ legal liability, crime, cyber-liability, work-based learning, and volunteer medical accident coverage.
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No sweating the small changes. We provide automatic coverage so ongoing scheduling is not necessary.* We request scheduling once a year; and your contribution does not change when exposures are added mid-year. *With the exception of buildings valued at $25 million or higher and licensed vehicles of $10 million or higher.
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Stronger together. A pooled risk management program is a unique system set up to help you and other local governmental entities meet your coverage needs together in an affordable and efficient way. You are entitled to all of the statutory and common law immunities and protections afforded under NH law. Pooling also means rate stability through fair and equitable pricing that fosters long-term member commitment.
