Specialty Insurance — Delta Prime Insurance Agency
Specialty Lines
Coverage for Risks Others Overlook
Flood, umbrella, cyber, landlord, and recreational coverage — Delta Prime fills the gaps your standard policies leave behind.
Specialty Products
Beyond the Standard Policy
Umbrella Insurance
An extra layer of liability protection that kicks in when your home or auto policy limits run out. Affordable coverage for catastrophic claims.
- Extends home & auto liability limits
- $1M–$5M+ coverage options
- Covers legal defense costs
- Protects personal assets & future earnings
Flood Insurance
Standard home policies don't cover flood damage. If you're in a flood zone — or even near one — a separate flood policy is essential.
- NFIP & private flood options
- Building & contents coverage
- Required for many mortgage lenders
- Colorado flood zone specialists
Cyber Liability
Data breaches and ransomware attacks hit businesses of all sizes. Cyber liability covers recovery costs, legal fees, and customer notification.
- Data breach response coverage
- Ransomware & extortion protection
- Business interruption from cyber events
- Legal & regulatory defense costs
Landlord Insurance
Renting out a property? Your homeowners policy won't cover it. Landlord insurance protects your rental income, structure, and liability.
- Rental property structure coverage
- Loss of rental income protection
- Liability for tenant injuries
- Single & multi-unit properties
Recreational Vehicles
ATVs, motorcycles, snowmobiles, and more — standard auto policies often exclude recreational vehicles. We find the right specialty coverage.
- ATVs, UTVs & dirt bikes
- Motorcycles & scooters
- Snowmobiles & golf carts
- Seasonal storage discounts
Boat & Watercraft
From fishing boats to jet skis, watercraft coverage protects your vessel, your passengers, and your liability on the water.
- Hull & motor coverage
- Liability & medical payments
- Uninsured watercraft protection
- Agreed value options available
Why Specialty Coverage
Don't Let the Gaps Catch You Off Guard
Most people don't discover their coverage gaps until they file a claim — and by then it's too late. Delta Prime proactively reviews your full risk picture to make sure nothing slips through.
- Standard policies leave dangerous coverage gaps
- We identify risks most agents overlook
- Access to specialty carriers not available direct
- Tailored coverage — not off-the-shelf policies
- Colorado-specific risk expertise
- One agent for all your specialty needs
Do You Have an Umbrella Policy?
A single lawsuit can exceed your home or auto liability limits. An umbrella policy adds $1M or more of protection for just a few hundred dollars a year — one of the best values in insurance.
Not Sure What You're Missing?
Let us do a free coverage review. We'll identify any gaps and find specialty products to fill them — no pressure, no obligation.