Agents Insurance Markets, Inc. (AIM) offers a specialized insurance program tailored for Emergency Care and Non-Emergency Medical Transportation providers in North Carolina, Virginia, and Washington D.C. Whether your client is a private ambulance operator, EMT service provider, or runs a non-emergency transport company, AIM provides access to comprehensive coverage options through Western World Insurance Company.
Ideal Accounts and Classes
AIM’s Emergency Care Services Insurance program is well-suited for a wide range of medical transportation and emergency response services. Eligible classes include:
- Ambulance Services
- First Aid and Rescue Squads
- Paramedics
- First Responders
- EMTs (Emergency Medical Technicians)
- Non-Emergency Transportation Services
Whether you're working with a rural ambulance operator or a growing non-emergency medical transport startup, this program can offer the flexible protection your clients need.
Coverage Highlights and Key Advantages
This non-admitted program offers robust protection that addresses the unique exposures of emergency and medical transport providers. Key coverages include:
- Comprehensive General Liability and Professional Liability
- Limits available up to $1,000,000 per occurrence / $3,000,000 aggregate
- Occurrence-based coverage with defense costs paid outside the limits
- No sexual molestation exclusion
- Coverage for loading and unloading of patients
- Medical payments and first-aid expenses included
- Emergency Medical Technician additional insured and off-duty coverage available
Property coverage is also available, including enhancements and optional floaters for tools and equipment. Additional Insured endorsements can be added to meet specific contractual requirements.
Underwriting Notes
This program is underwritten on a non-admitted basis through Western World Insurance Company. AIM uses its deep understanding of the emergency services sector to evaluate risks and structure coverage that fits your client’s operations. While no minimum premium is listed, accounts are reviewed for eligibility and pricing on a case-by-case basis.
Territories and Availability
This program is currently available in:
- North Carolina (NC)
- Virginia (VA)
- Washington D.C. (DC)
If you are placing business in these areas, AIM can help you find competitive, comprehensive solutions for your emergency care and transport clients.
Why Work With Agents Insurance Markets, Inc.?
As a Managing General Agency, AIM specializes in niche programs and works with top-rated carriers to deliver tailored insurance solutions. With a focus on service and underwriting support, AIM makes it easier for agents and brokers to place challenging or specialized risks.
You might have a client operating a small fleet of ambulances or a growing non-emergency transport company looking to expand coverage. This program is built for those real-world needs—offering flexible coverage and responsive service to help you meet your clients’ expectations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for ambulance services, EMTs, first responders, non-emergency medical transport companies, and rescue squads operating in NC, VA, or DC.
Is this an admitted program?
No, the Emergency Care Services Insurance program is written on a non-admitted basis through Western World Insurance Company.
What limits are available under this program?
General Liability limits are available up to $1,000,000 per occurrence and $3,000,000 aggregate. Additional limits and options may be available based on underwriting.
Can this program cover equipment and tools?
Yes, property floaters are available to cover tools and equipment used in the course of emergency and non-emergency transport operations.
Is off-duty EMT coverage available?
Yes, off-duty coverage for Emergency Medical Technicians can be included, along with additional insured endorsements where needed.
Need help placing an account? Connect with a market specialist.