Agents Insurance Markets, Inc. (AIM) offers a Contractors Equipment Insurance program designed for quick placement and straightforward servicing of equipment exposures. Whether your client owns, leases, or rents equipment, AIM provides prompt quotes and underwriting supported by admitted carriers such as Argonaut Insurance Company. The program is built for agents who need reliable Inland Marine solutions with fast turnaround and agent-friendly service.
Ideal Accounts and Appetite
This program fits businesses that rely on mobile or stationary equipment for commercial, agricultural, or industrial operations. Typical appetites include:
- General contractors and subcontractors
- Construction and roadbuilding companies
- Logging and forestry operations
- Agricultural and farm equipment (including personal farm use)
- Industrial, landscaping, and grounds-keeping businesses
Short-term policies are available for leased or rented equipment, making the program a practical option for seasonal work and discrete projects.
Coverage Highlights and Advantages
- Special Form Inland Marine coverage tailored for contractors equipment
- Mono-line capability—standalone Inland Marine policies
- Admitted paper through reputable carriers for contract and regulatory compliance
- Competitive rates with low deductibles and low minimum premiums to serve small and mid-size accounts
- Short-term and project-specific policies available
AIM emphasizes practical coverage wording and responsive claims service so your insureds can get back to work quickly after a loss.
Underwriting Notes and Minimum Premiums
Underwriting is flexible across a wide range of equipment values and usage profiles. The program accommodates owned, leased, and rented equipment and supports both long-term schedules and short-term project policies. Low minimums make it viable for smaller accounts; contact AIM for specific underwriting guidelines or to discuss borderline risks.
Territories and Availability
This program is available in the following states and the District of Columbia:
- Georgia (GA)
- Indiana (IN)
- Kentucky (KY)
- Maryland (MD)
- Mississippi (MS)
- North Carolina (NC)
- Ohio (OH)
- South Carolina (SC)
- Tennessee (TN)
- Virginia (VA)
- Washington, D.C. (DC)
All coverage is issued on admitted paper to help insureds meet contract requirements and regulatory standards in these territories.
Why Work With Agents Insurance Markets, Inc.?
AIM is a Managing General Agency with deep underwriting expertise in contractors equipment and Inland Marine risks. By partnering with admitted carriers like Argonaut Insurance Company, AIM delivers agent-focused service, competitive pricing, and consistent underwriting decisions. The team is set up for fast quote turnaround and hands-on support throughout the policy lifecycle.
Example scenarios where this program fits well:
- You have a road construction client that needs six-month coverage for leased bulldozers and graders while on a single project.
- An independent logger requires seasonal coverage for harvest equipment that sits idle for portions of the year.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Contractors, construction firms, landscapers, loggers, farmers, and other businesses that own or lease equipment for operational use are an ideal fit.
Is short-term coverage available?
Yes. Short-term policies are available for leased or rented equipment and for project- or season-specific needs.
What types of equipment are eligible?
Eligible equipment includes construction, logging, agricultural, landscaping, forestry, and many types of industrial machinery—both owned and leased.
Which states is this program available in?
The program is available in GA, IN, KY, MD, MS, NC, OH, SC, TN, VA, and DC.
What carrier backs the coverage?
Coverage is written on admitted paper through Argonaut Insurance Company.
Need help placing an account? Connect with a market specialist.