Search CompleteMarkets

HOME HEALTH CARE & NURSE REGISTRIES For NC and VA BASIC CARE...ll to mid-sized home health agencies, nurse registries, private-duty nursing firms, CNA...

...ive offering, administered through Nurses Service Organization (NSO), has grow...r home healthcare agencies, hospices, nurse registries, nurse practitioner clinics, and similar ...

...es common to home health, visiting nurse, hospice, staffing and related servic...ll to mid-sized home health agencies, nurse registries, VNAs, hospice providers, staffi...

LANDSCAPE GARDENING LIABILITY INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for all contractors, whether BIG or SMALL! Overview of the Program From Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. provides targeted General Liability solutions for landscape gardening and lawn care contractors across North Carolina, Virginia and the District of Columbia. With more than 30 years placing contractor business, we combine niche underwriting expertise and access to flexible non-admitted markets to help you place accounts that need tailored limits and endorsements. Ideal Accounts and Appetite This program is designed for a broad range of landscape and grounds-maintenance operations, including: Landscape gardeners and full-service landscapers Lawn care and grass-mowing services Tree pruning, trimming, dusting and spraying Stump grinding and light site cleanup Residential and commercial maintenance contractors Typical fits are contractors performing routine lawn and landscape services, seasonal crews, and firms that need higher limits or specific policy features not available in standard admitted markets. Accounts with heavy excavation, major tree removal, or extensive subcontracted heavy civil work generally fall outside this appetite. Coverage Highlights and Advantages The program centers on comprehensive General Liability with options and endorsements that align with contractor exposures: General Liability limits available up to $5,000,000 Occurrence-form coverage Excess liability available to increase limits Property Enhancement form options Equipment and tools coverage via property floaters Additional Insured endorsements, primary wording and waiver of subrogation available Per-project aggregate limits offered where required by contract Damage to premises rented to you (up to $100,000) and Medical Payments (up to $5,000) Underwriting Notes and Minimum Premiums Underwriting focuses on the specific operations, claims history, contract exposures and equipment values. We place business with reputable non-admitted carriers to offer greater flexibility on limits and endorsements. While the program offers competitive minimums for qualifying accounts, final pricing depends on the insured’s operations, payroll/subcontractor usage, past losses and requested coverages. Territories and Availability This program is available to agents writing business in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Policies are placed through non-admitted carriers where appropriate; please confirm state availability and any local licensing requirements when submitting. Why Work With Agents Insurance Markets, Inc. As a Managing General Agency specializing in contractor classes, Agents Insurance Markets, Inc. pairs experienced underwriting with fast, practical service. We help agents place accounts that need flexible wording, higher limits, or equipment protection not always available in admitted markets. Our team supports quick turnaround on submissions and can assist with policy language for owner or venue additional insured requests and per-project aggregates. Example Accounts That Fit This Program A small commercial landscaping contractor that maintains office campus grounds, uses light tractors and hires seasonal crews, and needs a $2M general liability limit with additional insured wording for the property owner. A solo lawn care operator who carries mowers, a chipper and trailer equipment and wants scheduled equipment coverage plus general liability on an occurrence basis. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits landscape gardeners, lawn care and mowing services, tree pruning and stump grinding contractors, and both residential and commercial landscapers operating in NC, VA and DC—especially when higher limits or specific endorsements are needed. Is this program available for new landscaping businesses?Yes. We consider both new ventures and established companies. Each submission is evaluated on operations, experience, equipment and exposures. What are the key coverage options included in this program?Key options include General Liability up to $5 million, Property Enhancement forms, Equipment Floaters, Additional Insured endorsements, Waiver of Subrogation, per-project aggregates and excess liability. Can I write both residential and commercial landscaping risks?Yes. The program accepts both residential and commercial landscaping accounts provided they meet underwriting guidelines for operations and exposures. What carriers do you work with for this program?We place business with various reputable non-admitted carriers to provide flexibility in limits and policy wording tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

... providers Home health aides and nurse’s aides providing non-medical care W...egivers such as home health aides and nurse’s aides. In which states is this p...

MOTOR TRUCK CARGO INSURANCE For NC and VA Agents Insurance Markets, Inc. offers a comprehensive Motor Truck Cargo Insurance program designed specifically for risks based in North Carolina (NC) and Virginia (VA). This program is ideal for a wide range of transportation clients and provides flexible coverage options with limits available up to $150,000. Overview of the Program From Agents Insurance Markets, Inc. As a Managing General Agency (MGA) with access to various carriers, Agents Insurance Markets, Inc. ("AIM") delivers tailored Motor Truck Cargo solutions for local and regional transportation risks. Whether your client is an independent owner-operator or a large fleet owner, AIM makes it easy to secure competitive cargo coverage with responsive service and underwriting support. Ideal Accounts and Appetite This program is well-suited for licensed motor carriers operating in North Carolina or Virginia. AIM underwrites a wide range of cargo transportation classes, including but not limited to: Auto Haulers – ideal for transporters of new and used vehicles Refrigerated Goods Carriers – including accounts needing Reefer Breakdown coverage Fleet Operators – from single-unit owner-operators to fleets with 1,000+ vehicles There are no radius limitations, making this a strong option for both local and long-haul operators. You might have a client who hauls cars from Richmond, VA to Raleigh, NC, or a refrigerated goods carrier working routes from Charlotte to Atlanta—this program can accommodate both. Coverage Highlights and Advantages Limits up to $150,000 available Reefer Breakdown coverage offered No radius restrictions – suitable for regional and national haulers Designed for fleets of all sizes Auto hauler appetite included These coverage features help protect your clients from financial loss due to theft, damage, or spoilage of cargo in transit. AIM understands the complex exposures of cargo haulers and matches them with the right carrier options to meet their specific needs. Underwriting Notes and Minimum Premiums While specific premium thresholds may vary by risk class and carrier, AIM works with a wide range of carriers to provide competitive options. Submissions should include complete vehicle and driver schedules, prior loss runs, and cargo details to ensure accurate underwriting and quick turnaround. Territories and Availability This Motor Truck Cargo Insurance program is available exclusively in North Carolina and Virginia. AIM can place business in both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Agents Insurance Markets, Inc. AIM combines deep market access with a hands-on approach to support independent agents and brokers in placing complex transportation accounts. Their team is committed to fast response times, knowledgeable underwriting, and helping you grow your book with competitive motor cargo solutions. Whether you're placing a new venture or a seasoned fleet, AIM is ready to help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for motor carriers based in NC or VA, including auto haulers, refrigerated goods carriers, and fleets of all sizes. Is there a radius limitation on coverage?No, this program offers coverage with no radius restrictions, making it suitable for both local and long-haul operators. Can owner-operators with a single vehicle apply?Yes, the program accepts fleets starting from a single vehicle up to 1,000+ units. Is Reefer Breakdown coverage included?Yes, Reefer Breakdown coverage is available for eligible refrigerated cargo risks. What states is this program available in?This Motor Truck Cargo Insurance program is currently available in North Carolina and Virginia. Need help placing an account? Connect with a market specialist.

Manufactured Home Insurance For NC and VA Agents Insurance Markets, Inc. offers a comprehensive Manufactured Home Insurance program for agents and brokers placing business in North Carolina and Virginia. Designed to accommodate a wide range of client needs, this program provides flexible coverage options through an A+ rated admitted carrier, American Modern Insurance Group. Whether your client owns, rents, or leases their manufactured home, this program delivers reliable protection and underwriting expertise. Ideal Accounts and Appetite This program is ideal for agents with clients who reside in, lease, or rent manufactured or mobile homes. Acceptable occupancy types include: Owner-occupied homes Seasonal and vacation-use manufactured homes Rental properties (landlord coverage) Tenant-occupied units (renter’s coverage) Homes of various ages are considered, offering flexibility that helps agents place even hard-to-place risks. Coverage Highlights and Advantages Actual Cash Value (ACV) or Replacement Cost options for both the home and personal property Reimbursement for Repairs following covered losses Fire Department Service Charges covered Food Spoilage due to covered events Tree, Shrub, Plant, and Lawn damage coverage Antenna and Satellite Dish protection Other Structures on the premises included Optional Endorsements available to expand coverage as needed Mechanical Breakdown Enhancement – an industry-leading endorsement for added peace of mind Direct Bill Options with flexible payment plans Competitive Rates backed by stable underwriting Underwriting Notes and Program Features Agents can expect responsive service and competitive underwriting for a wide range of manufactured homes, including older units. The program is designed for easy quoting and placement, with direct billing to insureds and multiple payment options available. Admitted in select states, this program offers the security of regulated protection through a top-rated carrier. Territories and Availability This Manufactured Home Insurance program is available in: North Carolina (NC) Virginia (VA) Agents in Maryland may also inquire about availability in that state as the carrier is admitted in some areas. Why Work With Agents Insurance Markets, Inc.? As a trusted Managing General Agency (MGA), Agents Insurance Markets, Inc. brings decades of experience in placing specialty personal lines coverage. Their team understands the unique exposures of manufactured home risks and offers agents the tools and carrier access needed to serve this niche market effectively. With a focus on service, speed, and underwriting flexibility, you can confidently place your manufactured home business through AIM. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a great fit for owner-occupied, seasonal, rental, and tenant-occupied manufactured or mobile homes in NC and VA. Is coverage available for older manufactured homes?Yes, the program offers flexible age eligibility, making it easier to place older homes that may not qualify elsewhere. Does the program offer Replacement Cost coverage?Yes, both Actual Cash Value and Replacement Cost options are available for the home and personal property, depending on eligibility. Are optional endorsements available?Yes, agents can add optional coverages such as mechanical breakdown, food spoilage, and additional structures to tailor protection to client needs. How is the program billed?The program supports direct billing with multiple payment options, providing convenience for both agents and insureds. Need help placing an account? Connect with a market specialist.

Personal Lines Insurance For MD, NC, and VA Representing the following companies: American Modern Home American Modern Insurance Group is rated A+ (Superior) by A.M. Best and has been recognized for more than a decade by the Ward Group as one of the Top 50 property and casualty insurers in the U.S. AIM has partnered with AMIG for more than 20 years, giving agents reliable access to admitted, stable personal-lines solutions across Maryland and Virginia. Hudson Insurance Group – Personal Umbrella Coverage – Rated A (Excellent) by A.M. Best Lexington Insurance Company – Dwelling and Homeowners Coverage – Rated A (Excellent) by A.M. Best Overview of the Program From AIM Agents Insurance Markets, Inc. (AIM) offers a focused personal lines program for independent agents and brokers writing business in Maryland, North Carolina, and Virginia. The program combines admitted and non-admitted carrier options to help you place a wide range of residential and recreational property risks, including hard-to-place accounts and non-standard exposures. Ideal Accounts and Appetite This program is tailored for agents working with: Primary, seasonal, rental, and vacant dwellings (DP-1 & DP-3) Manufactured homes, including coastal and secondary-site units Personal umbrella risks, including those with youthful or otherwise challenging drivers HO-3, HO-4, and HO-6 policies requiring higher liability limits Recreational vehicles such as RVs, motorcycles, and watercraft Example fits: a client who needs a short-term vacant policy on a rental in Maryland, or an owner of a manufactured home on the Virginia coast requiring replacement-cost options and mechanical breakdown coverage. Coverage Highlights and Advantages American Modern Insurance Group (Admitted): DP-1 and DP-3 forms for owner-occupied, seasonal, rental, and vacant properties No minimum earned premium on vacant policies Short-term vacant options (3, 6, or 12 months) Liability limits up to $500,000 Manufactured home replacement-cost coverage for homes 15 years old or newer Mechanical breakdown enhancement available for manufactured homes Direct billing and multiple payment plans Hudson Insurance Group (Non-Admitted): Personal umbrella limits from $1M to $10M Eligibility for youthful drivers and other non-standard exposures Agency-bill option available Availability in Virginia and North Carolina Lexington Insurance Company (Non-Admitted): HO-3 with a $300,000 minimum Coverage A HO-4, HO-6, and DP-3 options for higher-value or unusual risks Excess flood and vacant-dwelling coverage available Liability limits up to $500,000 Underwriting Notes and Placement Flexibility AIM supports both agency-bill and direct-bill methods, and premium financing is available on select non-admitted policies. Vacant dwellings can be bound for short terms and prorated on cancellation. The program is equipped to handle both standard and non-standard risks — including challenging property conditions, coastal exposures, and drivers with difficult records — but underwriters will review each account for state-specific eligibility and limits. Territories and Availability This personal lines program is offered in Maryland, North Carolina, and Virginia. Admitted vs. non-admitted availability varies by carrier and state; agents should contact AIM for state-specific filing details and to confirm which carrier is best for a given risk. Why Work With AIM? As a Managing General Agency with long-standing carrier relationships, AIM delivers experienced underwriting, fast placement for specialty risks, and responsive service for agents. Our multi-carrier access — including long-term partnerships with American Modern and relationships with specialty markets like Hudson and Lexington — helps you place accounts that may not fit standard markets while keeping admitted options where available. If you need help placing a difficult personal-lines account in MD, NC, or VA, AIM provides the market access and underwriting flexibility agents need to get business bound and serviced efficiently. Frequently Asked Questions What types of accounts are a good fit for this personal lines program?This program is ideal for primary, seasonal, rental, and vacant dwellings, manufactured homes (including coastal risks), personal umbrella policies, and recreational vehicles. Are admitted options available through this program?Yes. Admitted options are available in many cases through carriers like American Modern (particularly in MD and VA). Non-admitted carriers provide solutions for harder-to-place or higher-limit needs. Can I write short-term policies for vacant properties?Yes. Vacant dwellings can be written for 3-, 6-, or 12-month terms, with prorated cancellation available when needed. Which states is this program available in?The program is offered in Maryland, North Carolina, and Virginia. Availability by carrier and form may vary by state. What carriers are included in this program?Agents can access American Modern Insurance Group, Hudson Insurance Group, and Lexington Insurance Company, among other specialty markets, depending on the risk. Need help placing an account? Connect with a market specialist.

PRESSURE WASHING CONTRACTORS LIABILITY INSURANCE For NC and VA CLEANING OR WASHING BY PRESSURE APPARATUS MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for contractors BIG or SMALL! Agents Insurance Markets, Inc. (MGA) places pressure-washing risks with multiple carrier partners and offers a targeted General Liability program for exterior cleaning contractors in North Carolina, Virginia and the District of Columbia. The program is designed for routine pressure-washing operations and supplemental equipment protection, with underwriting focused on practical controls for PSI, cleaning agents, and jobsite safety. Overview of the Program This Managing General Agency program provides broad primary General Liability options and excess capacity where needed. Coverage targets exterior cleaning operations — residential and commercial — and can include property floaters for tools and equipment. Policies are written on an occurrence basis and the program supports common certificate needs such as Additional Insured endorsements and Waiver of Subrogation where appropriate. Ideal Accounts and Appetite Independent pressure washing contractors, single operators up to small fleets Exterior cleaning of homes, driveways, sidewalks, parking lots, storefronts, roofs and other building exteriors Contractors using pressure equipment at or below the underwriting PSI limit (see requirements) Accounts that require Additional Insured, Waiver of Subrogation, primary wording or per-project aggregate limits Prohibited: Cleaning or washing of aircraft Interior tank cleaning Snow and ice removal from streets, highways or parking lots Coverage Highlights and Advantages General Liability limits up to $5,000,000 (primary) Excess Liability available through carrier partners Damage to Premises Rented to You coverage up to $100,000 Medical Payments up to $5,000 Occurrence-form policies for long-tail liability protection Property floaters available to cover contractor equipment, trailers and tools Property enhancement options where applicable Per-project aggregate limits and Additional Insured endorsements available Responsive underwriting and quick quote turnaround for routine risks Underwriting Notes and Requirements Maximum PSI: Equipment must not exceed 3,500 PSI for this classification Cleaning solutions must be non-toxic, non-caustic and biodegradable (where possible) Jobsite controls are required: barriers, signage, spotters and other public-protection measures as appropriate Sandblasting and abrasive blasting are separately rated and not included in this class Provide current loss runs, equipment inventory with PSI ratings, and details on any chemical use or subcontracted services Territories and Availability This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Agents can place accounts through multiple carrier partners to match client needs for limits and endorsement requests. Why Work With Agents Insurance Markets, Inc. on This Business Specialized contractor placement — underwriting and program design focused on exterior cleaning and pressure-wash operations Access to multiple carriers and flexible limit structures for owner-operators and small fleets Practical, clear underwriting requirements that reduce surprises at binding Fast quoting and experienced service staff familiar with contractor workflows and certificate endorsements Example Accounts That Fit A two-employee residential pressure-washing business that services driveways, siding and decks using equipment under 3,500 PSI and biodegradable cleaners. Needs GL limits plus an Additional Insured endorsement for a property manager. A small commercial cleaner that services storefronts and parking lots, requires a property floater for a trailer-mounted unit and hand tools, and needs excess limits for larger contracts. If you have accounts that match this program's appetite, Agents Insurance Markets, Inc. can be an efficient market to secure competitive liability and equipment coverage. Contact our underwriting team to discuss submissions, required documentation, and turnaround times. Product & Service Highlights: GL Limits up to $5,000,000 Excess Liability available Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence-form policies Property floaters and enhancement forms Quick quotes and superior customer service Underwriting Requirements Recap Equipment PSI cannot exceed 3,500 PSI Use non-toxic, non-caustic cleaning solutions (biodegradable preferred) Maintain jobsite public-protection measures (barriers, signage, etc.) Sandblasting and interior tank cleaning are ineligible for this class Frequently Asked Questions What types of pressure washing accounts are a good fit for this program?Routine exterior cleaning for residential and commercial properties—driveways, sidewalks, building exteriors, roofs and parking lots—performed with equipment up to 3,500 PSI and using non-toxic cleaning agents. What documentation does underwriting typically require?A completed application, operations description, equipment inventory including PSI ratings, current loss runs (if available), and details on cleaning solutions and jobsite safety procedures. Can I add Additional Insureds and Waiver of Subrogation for my insureds’ clients?Yes. The program offers Additional Insured endorsements and Waiver of Subrogation / Primary Wording options where appropriate and requested in the submission. Are sandblasting or interior tank cleaning operations eligible?No. Sandblasting/abrasive blasting and interior tank cleaning are excluded and must be placed through specifically rated markets. Which states is the program available in?This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Contact underwriting for any territory-specific questions. Need help placing an account? Connect with a market specialist.

ROOFING CONTRACTOR INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for all contractors, BIG or SMALL! Roofing Contractor Insurance Program from Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. (AIM) provides a specialized Roofing Contractor Insurance program designed to meet the needs of both commercial and residential roofers in North Carolina and Virginia. With over 30 years of experience insuring contractors, AIM understands the unique risks associated with roofing operations and offers tailored solutions to help agents place this business efficiently and competitively. Ideal Accounts and Underwriting Appetite This program is a strong fit for a wide range of roofing contractors, from small residential outfits to larger commercial operations. Whether your client works on single-family homes or light commercial buildings, AIM offers flexible solutions that meet the needs of the trade. Eligible Classes Include: Residential Roofers (up to three stories) Commercial Roofers Acceptable Risks: Hot tar usage is acceptable (must submit if over 25%) Contractors with new ventures or established operations Coverage Highlights and Advantages AIM’s Roofing Contractor Insurance program includes key coverages and endorsements commonly required by project owners and general contractors. Agents can access multiple carriers through AIM to tailor coverage that suits the size, scope, and budget of their client’s roofing business. Program Features: Comprehensive General Liability Coverage Limits available up to $5,000,000 Property Coverage with Enhancement Forms Equipment and Tool Floaters Available Additional Insured Endorsements Waiver of Subrogation and Primary/Noncontributory Wording Per Project Aggregate Limits Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence Form Coverage Territory and Availability This program is currently available to agents placing business in North Carolina (NC), Virginia (VA), and Washington D.C. As a non-admitted offering, it provides the flexibility to tailor coverage for accounts that may not fit within standard markets. Why Work With Agents Insurance Markets, Inc.? AIM offers more than market access—we bring deep insight into contractor risks and a commitment to responsive service. As a Managing General Agency with access to a variety of reputable carriers, we help agents secure competitive quotes quickly. Whether your roofing client is a startup or a seasoned contractor, AIM is here to support your placement needs with speed and expertise. You might have a client who just launched a roofing company and needs affordable GL coverage to qualify for residential projects. Or maybe you're working with a commercial roofer bidding on larger jobs who needs per-project aggregate and waiver of subrogation options. AIM can help you place both types of accounts effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential roofers working on structures up to three stories and commercial roofers, including those using hot tar (with underwriting approval if usage exceeds 25%). Is coverage available for new ventures?Yes, AIM can consider new ventures and start-up roofing contractors, depending on other qualifying factors such as experience and scope of operations. Are additional insured and waiver of subrogation endorsements available?Yes, we offer both additional insured endorsements and waiver of subrogation/primary wording, which are often required by project owners and general contractors. What is the maximum General Liability limit available?General Liability limits are available up to $5,000,000, with excess liability options if higher limits are needed. Which states is this program available in?The program is currently available in North Carolina, Virginia, and Washington D.C. Need help placing an account? Connect with a market specialist.