Underwriting Services

Our service begins at the point of first contact. Our Underwriters have in-depth knowledge of regional workers’ compensation issues and are active participants in the partnership we form with our policyholders and their brokers. We offer broker-centric service to respond to your needs as quickly as possible.

That partnership is the foundation our reputation for “Setting the Standard for Workers' Compensation Service” is based upon. Working directly with our policyholders and their brokers, Underwriters coordinate the Service Teams that are assigned to each broker. From the date of policy issue, our Underwriting Assistants follow through with day-to-day support and immediate answers to your coverage questions.


Frequently Asked Questions Brokers ask our Underwriters

By providing a safe workplace and developing accident prevention strategies and return-to-work opportunities, employers can reduce their experience modification (and in Massachusetts, their ARAP surcharge). In turn, that can reduce workers’ compensation insurance costs.

Experience rating uses past insurance experience to forecast or predict future claims. It takes the average loss experience, which is used to create the “manual rate,” and modifies that rate using actual claims experience. Experience rating is only one part of the overall workers’ compensation insurance pricing system.

The All Risk Adjustment Program (ARAP) is a surcharge for experience-rated policies with a record of losses greater than expected under the Experience Rating Plan. Experience-rated employers with multistate operations are subject to the ARAP surcharge for that portion of the policyholder’s operations located in Massachusetts. The ARAP factor is calculated using Massachusetts claims and expected claims. The ARAP surcharge is applied to the Massachusetts portion of the premium only.

Loss runs can be obtained by accessing our web portal.  Please visit our Broker page for certificate of insurance information.

Contact the Underwriter or Underwriting Assistant associated with your account or download it from our Forms Library.

The renewal questionnaire helps us determine premiums. If we do not receive new payroll estimates, then we rely on the payroll on the current policy. If there is an increase in payroll at the time of audit, then we will conduct a review to determine if a premium adjustment is needed.

We need a Broker of Record letter signed by the insured appointing you as the new broker. Send it to the contact listed on your policy service sheet.

A.I.M. Mutual is a monoline workers' compensation insurance carrier licensed in Massachusetts, New Hampshire, Connecticut, Vermont, and Maine. Contact Kevin Snyder, Senior Manager-Underwriting at ksnyder@aimmutual.com for more information on broker appointments.