Our Story

A.I.M. Mutual strives to keep excellence in service at the forefront. We work with brokers and employers who share a genuine commitment to developing and managing all aspects of their workers’ compensation programs. Our approach is unique among carriers.

From its beginnings in 1988, A.I.M. Mutual has adhered to its founding principles to provide workers’ compensation and employers’ liability insurance coverage at a level that sets us apart. What seems like a straightforward concept today was, in fact, once a visionary approach to a critical business need. Our company is sponsored by the Associated Industries of Massachusetts, the largest employer organization in the Commonwealth.

A.I.M. Mutual introduced workers’ compensation as a partnership, and, in short order, employers welcomed the change and saw the immediate benefits. The company has grown to one of the largest regional workers’ compensation specialists, maintaining a major share of the Massachusetts market. We are one of the top writers in New Hampshire, and we also provide coverage to employers in Connecticut, Vermont, Maine and Rhode Island.

At A.I.M. Mutual, we recognize that no company or concept, regardless of how well conceived, can succeed without the right people in place. We credit our staff, all highly experienced in their disciplines, for putting their service-oriented work ethic and workers’ compensation insurance knowledge into practice, every day, in all they do.

A history of stability, innovation, and commitment.


Our Mission

At A.I.M. Mutual Insurance Companies, we are committed to setting the standard in service excellence. We are guided by our founding principles to stabilize workers' compensation costs and make them predictable for New England employers.

What, Why, and How

What We Do

We provide a workers' compensation experience that ensures peace of mind for all.

Why We Do It

To improve the perception of workers' compensation insurance.

How We Do It

  • Listening with empathy
  • Acting with compassion
  • Doing the right thing
  • Succeeding through collaboration

Community Involvement

A.I.M. Mutual welcomes the opportunity to actively participate in the community it serves. Our employees share that view, bringing enthusiasm and support to a number of local, regional and national organizations in need.

Since 2016 A.I.M. Mutual has partnered with Cradles to Crayons in the Boston area, whose mission is bringing school supplies to area children. An employee delegation volunteers each year to fill hundreds of backpacks prior to the start of the school year. During the pandemic, A.I.M. Mutual shared the location of outdoor community collection sites so donations could continue to support classroom and remote learning. The Ready for Learning initiative keeps the mission moving forward. Learn more and join us: https://www.cradlestocrayons.org/boston/

A.I.M. Mutual also proudly stands behind The Joe Andruzzi Foundation, a non-profit organization that provides help, hope, and a reason to smile to cancer patients in the New England area.  JAF also provides financial support to families when needed so they can focus on recovery.  A.I.M. Mutual participates in fundraisers throughout the year, and each one directly helps families who are struggling through what can be the hardest times of their lives. We attend charity events and help get the Foundation’s word out. Join us and learn more at https://joeandruzzifoundation.org/

Kids’ Chance of America is dedicated to raising scholarship funds for families affected by workplace injury. A.I.M. Mutual supports and promotes Kids’ Chance regional efforts and encourages corporate involvement at www.kidschance.org. Families can register with Kids’ Chance at the time of the accident, regardless of their children’s ages.

Through its worksite wellness program, both employees and the company lend financial support to charities “nominated” by employees. Green for Jean$ invites employees to wear jeans as part of an ongoing philanthropy effort. Causes include the local food pantry, Pulmonary Fibrosis, the Alzheimer’s Association and Breast Cancer Awareness.

As a workers’ compensation insurer, A.I.M. Mutual also assists a number of companies we insure with fundraising efforts. Open Sky Community Services, The Plus Company, New Hampshire Catholic Charities and The Children’s Trust are among the organizations we are proud to support. Policyholders may contact their broker to learn more.

AM Best Rating

AM Best Company, a full-service credit rating agency serving the insurance industry, has affirmed A.I.M. Mutual Insurance Company’s financial strength rating of A (Excellent) with a stable outlook. With regard to the Company's balance sheet strength, AM Best provided their strongest rating. For more information on AM Best Company’s credit ratings, view the Guide to Best’s Credit Ratings here.

The rating was also assigned to the Company’s wholly-owned subsidiaries, Associated Employers Insurance Company (AEIC), Massachusetts Employers Insurance Company (MEIC), and New Hampshire Employers Insurance Company (NHEIC). The ratings reflect the group’s excellent capitalization, strong operating performance over the long term, conservative operating philosophy, and prudent reserving practices. The group’s positive attributes are derived from its adherence to strict underwriting guidelines, application of proactive claims management, and commitment to injury prevention services.

A.I.M. Mutual has reported strong operating results which compare favorably with the industry composite over the long term.  The results benefit from management's local niche market knowledge, specialized loss control strategies, active claims management, and comprehensive medical care improvement initiatives.