A.I.M. MUTUAL
to provide workers’ compensation to the staff of the team and
reached out to A.I.M. Mutual. Discussions got under way nearly a
year before the coverage took effect to ensure service
expectations were well defined. And on July 1, football season
kicked off in earnest at A.I.M. Mutual. people about their physical health, generally improving the
quality of life. The wellness initiative bolsters health by
promoting exercise, proper nutrition, and making better
choices—such as not smoking—while also providing workers
with ways to combat stress, sleep deprivation, and other factors.
“We appreciate the confidence Jonathan Cross, principal at Cross
Insurance Agency, and the Patriots placed in us to make this
partnership possible,” Dan said. “We look forward to a fruitful
relationship continuing long into the future.” As for results, one policyholder reported that 75 percent of its
employees smoked four years ago. Today, with wellness
programming in place, less than one-third smoke. The wellness
initiative not only helps employers to manage claims but also
leads to a healthier, safer, and more productive workforce. A.I.M.
Mutual was not only the first carrier to employ this type of
system, but it is also the one pushing the boundaries of how
wellness is viewed.
For the Patriots and for all policyholders, A.I.M. Mutual focuses
on every aspect of workers’ compensation insurance
management, ranging from underwriting, audit, and claim to
injury prevention and worksite wellness. That attention to detail
took root in 1989.
RESPONDING TO A CRISIS
Going back 30 years, the workers’ compensation market and local
economy were in distress in Massachusetts. Most carriers had
left the state, limiting coverage options for employers as workers’
compensation costs continued to spiral upward. Associated
Industries of Massachusetts, the Commonwealth’s largest
employer group, proposed a solution: a reciprocal insurance
exchange through which employers would take an active role in
managing their own workers’ compensation programs.
The concept caught on, and by 1994, the company had become a
mutual insurer known as A.I.M. Mutual, initially placing a heavy
focus on the Massachusetts market.
Expansion would come soon. Policyholders with locations in
nearby states needed coverage, so the company began to grow,
first with New Hampshire in 2001. In 2013 and 2017, A.I.M.
Mutual became licensed to write business in Connecticut and
Vermont, respectively. In 2019, almost to the day of the
company’s 30th anniversary, A.I.M. Mutual added Maine to its
coverage territory.
Through these periods of growth, the company has maintained
its steady focus on what it has always been known for: providing
quality services and responding to what policyholders and
brokers really need. It continues to be sponsored by Associated
Industries of Massachusetts.
INNOVATION IN WORKERS’ COMPENSATION
As with any business, A.I.M. Mutual understands the importance
of marketing in its business strategy. One effective tool at its
disposal is Tulip Media, publisher of A.I.M. Mutual’s semi-annual
magazine, The Connection. The relationship began three years ago,
and since then, the magazine in print and digital form has gone
out to agents and brokers in all the areas that A.I.M. Mutual
serves. It highlights important issues, spotlights policyholders,
and puts thought leadership on display through articles authored
by subject matter experts. With Tulip Media handling the
distribution and actual publication, the message is far-reaching.
To put it plainly, A.I.M. Mutual began as a way to provide
workers’ compensation insurance to the people who needed it,
and that mission continues to this day. A.I.M. Mutual credits its
success to having the right people in place. It doesn’t matter how
good an idea is or how great a business plan is: to effect real
change, you need the right staff with the right experience,
working together toward a common goal.
For more information about A.I.M. Mutual, contact them at
781-221-1600 or visit them online at AIMMutual.com.
BONUS MATERIAL
TM.MEDIA/AIMMUTALFEATURE
LEARN MORE ABOUT A.I.M. MUTUAL AND
VIEW THEIR PAST ISSUES.
In 2013, A.I.M. Mutual launched a wellness initiative to better
serve its policyholders. Prior to that, the company operated based
on a traditional loss control model. That model put the focus
strictly on preventing injuries from happening, analyzing what
went wrong in certain situations, and addressing those issues.
While this approach led to reduced injury frequency, it did not
consider the severity of the injuries.
A.I.M. Mutual took a closer look at those analytics and
determined an employee’s health at the time of injury directly
correlated to recovery time. A person who smoked or had a
chronic issue like obesity or diabetes may take much longer to
recover than someone who wasn’t facing those issues. By building
wellness into injury prevention, employers could help educate
A.I.M. Mutual Headquarters
TULIPMEDIAGROUP.COM | 9