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Agents Insurance Markets, Inc.
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Agents Insurance Markets, Inc.
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Miscellaneous Professional Liability Insurance For NC and VA

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE For NC and VA

Agents Insurance Markets, Inc. (AIM) offers a flexible and competitive solution for professionals seeking Miscellaneous Professional Liability (MPL) coverage in North Carolina, Virginia, and Washington, D.C. Our program is designed to help independent agents and brokers place hard-to-cover or non-standard professional liability risks across a wide range of classes. With access to respected carrier partners and a commitment to responsive service, AIM is your trusted MGA partner for MPL placements.

Ideal Accounts and Appetite

AIM works with over 100 professional classes, giving you the flexibility to place coverage for both common and niche service providers. Our program is ideal for insureds who offer professional services but don’t fall under traditional professional liability categories like lawyers or doctors.

Sample Eligible Classes Include:
  • Advertising Agencies
  • Auctioneers (non-real estate)
  • Background Check and Screening Services
  • Caterers and Event Planners
  • Claims Adjusters
  • Computer Programmers and IT Consultants
  • Dog Obedience Schools and Pet Groomers
  • Notaries and Tax Preparers
  • Photographers, Tutors, and Travel Agents
  • Speech Therapists and Bookkeepers
If you have a client who runs a small background screening firm or a freelance graphic designer looking to secure liability protection, this program could be a great fit.

Coverage Highlights and Advantages

Our MPL program provides broad protection with customizable options to meet your clients’ unique needs. Highlights include:
  • Claims-Made and Reported Policy Form
  • Stand-Alone MPL Policy or Integrated with General Liability and Property
  • Bilateral Extended Reporting Period
  • Package Policy Options for Simplicity and Convenience
  • Duty to Defend Wording
  • Personal Injury Coverage
  • Optional Enhancements Including:
    • First Dollar Defense
    • Claims Expenses Outside the Limit
    • Punitive Damages (where insurable)
    • Copyright Infringement (for select classes)
This coverage is especially useful for professionals exposed to allegations of errors, omissions, or misrepresentation in the services they provide.

Underwriting Notes and Minimum Premiums

All accounts are individually underwritten, and our carriers vary depending on class and risk profile. We offer flexible solutions for both start-ups and established businesses. While minimum premiums may vary, AIM works to provide competitive terms that balance coverage and cost for your insureds.

Territories and Availability

This program is available in:
  • North Carolina (NC)
  • Virginia (VA)
  • Washington, D.C. (DC)
Coverage is placed on a non-admitted basis through select carriers.

Why Work With Agents Insurance Markets, Inc.?

AIM is a Managing General Agency with deep experience in placing professional liability coverage for a wide variety of industries. We focus on providing agents and brokers with access to markets that are often hard to reach directly. Our team is responsive, knowledgeable, and committed to helping you succeed in placing your clients’ professional liability exposures.

Whether you’re working with a first-time policyholder or a seasoned professional looking for better terms, AIM is here to support you with fast quotes, flexible coverage options, and expert guidance.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for professionals who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers.

Can this policy be packaged with other coverages?

Yes, we offer the ability to combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection.

Is this program available in admitted markets?

No, this MPL program is written on a non-admitted basis through a variety of carriers, depending on the class and coverage needs.

Do you offer coverage for start-ups or newly formed businesses?

Yes, we can consider new ventures and start-ups, subject to underwriting. Minimum premium and coverage terms will vary by class and risk factors.

How quickly can I get a quote?

We pride ourselves on responsive service. Once we receive a completed submission, most quotes can be turned around quickly, often within a few business days.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

AGENCY LICENSING

Brokerage agreements are not required until you write your first piece of business with our agency. 

Once we bind the first piece of business, you will be sent a brokerage contract to complete and return. This is needed to complete your broker file and includes e-commerce authorization and specific obligations.

 

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