Agents Insurance Markets, Inc. (AIM) provides a focused market for independent agents and brokers placing nurse registries and home health care agencies in North Carolina (NC), Virginia (VA), and Washington, DC. This program is built to address the professional and general liability exposures unique to both skilled nursing services and non-skilled in-home care providers.
Overview of the Program from AIM
This program is intended for agencies that arrange in-home care through nurses, certified nursing assistants, aides, therapists, companions, and homemaker services. As an experienced Managing General Agency, AIM works with admitted and non-admitted carriers to deliver tailored coverage — in this program coverage is placed on a non-admitted basis through Western World Insurance Company — giving you flexibility when standard markets decline or limit terms.
Ideal Accounts and Appetite
AIM has appetite for a range of smaller to mid-sized home health operations, including:
- Basic Care – non-nursing homemaker and companion services
- Skilled Care – licensed nursing and therapy services
- Nurse registries that place nurses, therapists and aides
- Certified Nursing Assistants (CNAs) and caregiver staffing
- Home health aides and personal care attendants
Example placements: you might have a small nurse registry that coordinates physical therapy and CNA visits across several counties in NC and VA, or an agency that employs CNAs to provide daily in-home support for seniors. Those account types typically fit well within this program.
Coverage Highlights and Advantages
The program combines professional and operational protections commonly required by home health providers:
- Commercial General Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate
- Professional Liability (medical/professional malpractice) coverage
- Optional Sexual Misconduct & Molestation coverage available up to $1,000,000/$1,000,000
- Hired & Non-Owned Auto Liability available for staff using personal vehicles
- Property coverage with enhancement form and floaters for portable equipment
- Employees included as insureds by endorsement; additional insured endorsements available
- Damage to Premises Rented to You — up to $100,000; Medical Payments up to $5,000
- Occurrence-based policies with defense costs outside the limits
Underwriting Notes and Minimum Premiums
AIM's underwriters are experienced with allied health and home care risks and will consider a variety of operational models. The program is written on a non-admitted basis to allow more flexible terms and tailored endorsements. There is no rigid minimum premium published for this program; underwriting will evaluate exposures, revenue, staffing, licensing, and claims history to determine terms and pricing.
Territories and Availability
This Nurse Registries Insurance program is available for placements in the following territories:
- North Carolina (NC)
- Virginia (VA)
- Washington, DC
Coverage is issued non-admitted through Western World Insurance Company, which can help when admitted markets are restrictive or unavailable.
Why Work with AIM
Agents Insurance Markets, Inc. combines niche expertise in healthcare placements with access to specialty non-admitted markets. Working with AIM gives you:
- Access to an established non-admitted carrier (Western World) for difficult-to-place home health risks
- Underwriters familiar with nurse registries, CNAs, aides, therapists and companion services
- Flexible policy forms and endorsements designed for in-home care operations
- Responsive service from an MGA that partners with agents to structure appropriate coverage
We “AIM” to help you place nurse registry and home health accounts that need tailored solutions. If you have a client operating across NC or VA and seeking combined professional and general liability with optional abuse/molestation limits, this program may be a fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits nurse registries, home health agencies, CNAs, home companions, homemaker aides, and providers of both skilled nursing and non-skilled in-home care services.
Is this program available on an admitted basis?
No. This program is placed on a non-admitted basis through Western World Insurance Company to allow more flexible underwriting and customized endorsements.
Which states are eligible for this program?
The Nurse Registries Insurance Program is available for placements in North Carolina, Virginia, and Washington, DC.
Can this coverage include professional liability and general liability?
Yes. The program can provide both General Liability and Professional Liability, with optional coverages such as property, Hired & Non-Owned Auto, and sexual misconduct/molestation limits.
Do you offer coverage for employees and additional insureds?
Yes. Employees can be included as insureds by endorsement, and additional insured endorsements are available where appropriate.
Need help placing an account? Connect with a market specialist.