What AIM Insurance does

AIM Insurance, Inc. (also doing business as Association Insurance Management and AIM Companies) is a privately-held, family-owned specialty insurance provider founded in 1989 by Elgin B. Allen Jr. and headquartered operationally in Texas. The company underwrites and distributes a focused set of liability, fidelity-bond, inland-marine, and directors-and-officers policies — plus individual professional-liability lines for educators and parliamentarians — exclusively to U.S. school-affiliated parent and educator groups, including PTAs, PTOs, Booster Clubs, educational foundations, and chapters of associations such as NSFA, Parent Booster USA, Delta Kappa Gamma, All Pro Dad, and Dollars for Scholars.

Its distribution and servicing technology is a self-service online portal (aiminsuranceportal.aim-companies.com) that supports eligibility-quiz-driven quoting, binding, certificate/Additional-Insured issuance, and policy management, supplemented by a 24/7 phone-sales channel and association-partner referrals. Underwriting is conducted through an A- rated non-admitted (surplus lines) carrier using a program tailored to 501(c)(3)-style non-profit/educational organizations, with specialized features such as a blanket bond structure covering any individual the insured organization trusts with funds.

The business is primarily subscription/recurring: annual premiums per group typically range from roughly $50 to $300 depending on coverage bundle (GL starting at $65 for PTAs; full Booster packages commonly around $180), with one-time single-event premiums ($33-$58), individual E&O premiums ($55-$175), and optional endorsement premiums (Terrorism at 5% of base premium; Extended Medical and Media Liability at fixed tiers). AIM self-reports as the largest writer of PTA, PTO, and Booster Club insurance in the United States, insuring more than 24,000 groups across all 50 states.

Name

AIM Insurance

Legal name

AIM Insurance, Inc.

Website

https://aim-companies.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

AIM Insurance is a family-owned specialty underwriter and distributor (founded 1989) providing liability, fidelity bond, property, and D&O coverage exclusively to U.S. PTAs, PTOs, Booster Clubs, educational foundations, and educator associations, serving 24,000+ groups across all 50 states via an online portal and association partnerships.

Ownership category

akta.pro rank

Product category

Specialty Insurance (Educational Non-Profits / Parent Groups)

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

akta.pro secondary industries

Professional Liability (Errors & Omissions) (FSAJADAB), Product Liability (FSAJADAC)

Keywords

• Parent group insurance
• Booster club insurance
• Event liability insurance
• Educational nonprofit insurance
• Fidelity bond coverage

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Annual insurance premiums (PTA/PTO/Booster Club/Foundation programs): Recurring annual subscription-style premiums for General Liability, Fidelity Bond (Embezzlement), Inland Marine Property, and Directors & Officers policies sold to PTAs, PTOs, Booster Clubs, and Educational Foundations. All policies run annually from the day AIM receives the completed application and payment. Group discount baked into pricing.
2. One-time / single event insurance premiums: One-time premiums for single-event General Liability coverage (starting at $33-$58 per event) for organizations hosting 1-4 day events without an annual policy. Also offered as a top-up to existing annual policies.
3. Individual professional liability premiums (Educators, Parliamentarians, DKG members): Annual premiums for individual professional liability/E&O policies sold to educators ($55/yr for Delta Kappa Gamma members), Professional Registered Parliamentarians ($125/yr), and Registered Parliamentarians ($175/yr).
4. Optional endorsement premiums (Extended Medical Payments, Media Liability, Terrorism): Add-on/upsell endorsements layered onto General Liability policies — Extended Medical Payments ($10K/$25K/$50K limits), Media Liability ($75K/$100K limits), and Terrorism coverage (5% of policy premium, $100 minimum).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

AIM Insurance underwrites and distributes specialty insurance programs for school-affiliated parent and educator groups, including bundled annual policies (General Liability/Event, Embezzlement Fidelity Bond, Inland Marine Property, and Directors & Officers Liability) for PTAs, PTOs, Booster Clubs, and Educational Foundations, plus individual professional liability policies for educators and parliamentarians. Policies are issued through an A- rated non-admitted (surplus lines) carrier and purchased via a self-service online portal in minutes or through 24/7 phone sales.

Product overview

AIM Insurance offers a single integrated specialty-insurance platform-plus-modules architecture targeted exclusively at school-affiliated parent and educator groups (PTAs, PTOs, booster clubs, educational foundations, and educator associations). The core offering comprises four coverage lines — Event Insurance (General Liability), Embezzlement Insurance (Fidelity Bond), Protect Your Property (Inland Marine), and Directors and Officers Liability — which can be purchased a la carte or as a package through the AIM Insurance Portal. These core lines are extended by add-on endorsements (Extended Medical Payments, Media Liability, Terrorism) and by vertical-specific programs for NSFA, Parent Booster USA, Delta Kappa Gamma, Dollars For Scholars, All Pro Dads, Educational Foundations, single-event coverage, and Parliamentarian/Educator professional liability. AIM is not a technology/SaaS vendor: the website and portal are customer-facing delivery and servicing channels rather than an API-driven product ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• PTA Insurance Specialty insurance program for Parent Teacher Associations, including General Liability/Event, Embezzlement (Fidelity Bond), Property (Inland Marine), and Directors & Officers Liability coverages, priced from $65/year for General Liability. Designed for school-level PTA volunteer groups.
• PTO Insurance Specialty insurance for independent Parent Teacher Organizations, providing General Liability ($85/year), Fidelity Bond, D&O, and Property coverages. Designed for school-level PTO volunteer groups.
• Booster Club Insurance Specialty insurance package for booster clubs supporting sports, arts, and academic programs; covers events, property, embezzlement, and D&O exposure for the club and its volunteers. Designed for athletic, performing arts, and academic booster clubs.
• Event Insurance (General Liability) General Liability coverage for sponsored parent-group events such as carnivals, bounce houses, dunking booths, fun runs, and auctions, with $5,000 base Medical Payments and limits of $1M or $2M per occurrence. Sold as part of PTA/PTO/Booster annual packages or as single-event coverage.
• Embezzlement Insurance (Fidelity Bond / Commercial Crime) Blanket bond covering officers, board members, volunteers, and couriers who handle organization funds, with standard limits of $10,000/$25,000/$50,000 up to $250,000 and a $250 deductible. Designed for PTAs, PTOs, and Booster Clubs.
• Protect Your Property (Inland Marine / Business Personal Property) Covers raffle/auction/fundraising merchandise and organizational personal property (popcorn machines, snow cone makers, school store supplies, emergency relief supplies) against fire, theft, vandalism, and windstorm. Designed for PTA/PTO/Booster organizations.
• Directors and Officers Liability (Professional Liability) Protects officers and the organization from lawsuits for wrongful acts, mismanagement, misrepresentations, dissemination of false/misleading information, or inappropriate actions, with $1,000,000 limit and $0 deductible. Designed for PTA/PTO/Booster organizations and their officers.
• Educator's Professional Liability Individual Errors & Omissions policy for full-time public school employees (teachers, substitute teachers, administrators, coaches, band directors, librarians, principals, superintendents, educational aides) with $1M per occurrence, plus Attorney Fees Reimbursement, Bail Bond Premium Reimbursement, and Supplementary Payments.
• Parliamentarian's Professional Liability Professional liability coverage for Professional Registered Parliamentarians ($125/year) and Registered Parliamentarians ($175/year), with $1,000,000 per occurrence including attorney fees, $10,000 disciplinary proceedings coverage, and up to $5,000 supplementary payments.
• Single Event Coverage One-time General Liability and Property coverage for special events up to 1–4 consecutive days, available to organizations without an annual policy or as a top-up. Starting at $33 (PTA) to $58 (Booster) per event.
• Delta Kappa Gamma Insurance Program Tailored insurance program for Delta Kappa Gamma individual members, chapters, and state offices, including Educators E&O at $55/year for individual members and General Liability, Accident Medical, D&O, Bonding, and Property Insurance for chapters and state organizations.
• Dollars For Scholars Insurance Program Insurance program designed for Dollars For Scholars scholarship foundation groups operating across 500+ communities nationwide, offering General Liability with Accident Medical, Directors & Officers Liability, Bonding, and Property Insurance.
• NSFA - National School Foundation Association Insurance Program Partnership program providing NSFA (National School Foundation Association) members with discounted access to commercial insurance (Event, Embezzlement/Bond, Property, D&O) tailored to educational foundations.
• Parent Booster USA Insurance Program Insurance program for Parent Booster USA member booster clubs covering Event Insurance, Embezzlement, Property, and D&O Liability, with a dedicated eligibility form for member groups.
• All Pro Dads Insurance Program Insurance program tailored to All Pro Dad chapters, providing General Liability, Embezzlement, Property, and Professional Liability coverage for chapter events and activities.
• Educational Foundation Insurance Program Insurance program for educational foundations established to support schools, providing General Liability, Professional Liability, Bond, and Property Insurance.

Segments11 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered flagship, core and minor.

• National School Foundation Association (NSFA)flagshipStrategic or Co-development PartnerNSFA is 'proud to partner with AIM to provide our members with access to high quality and affordable Commercial Insurance coverage'. AIM has specialized in protecting educational non-profit organizations for over 30 years. NSFA members receive discounted rates via a dedicated AIM program offering Event Insurance, Embezzlement Insurance (Fidelity Bond), Property Insurance, and D&O Liability for Educational Foundations.
• Parent Booster USAflagshipStrategic or Co-development PartnerAIM has created a tailored insurance program for Parent Booster USA member booster clubs, providing affordable coverage including Event Insurance, Embezzlement Insurance, Property Insurance, and D&O Liability specifically for athletic, performing arts, and academic booster clubs. AIM offers a dedicated eligibility form (/parent-booster-usa-eligibility/) for member groups.
• Delta Kappa Gamma (DKG)coreStrategic or Co-development PartnerAIM's Delta Kappa Gamma insurance program is tailored to the needs of individual educators, chapters, and state offices — offering Educators E&O at $55 annually for DKG members, plus Property Insurance and Fidelity Bond coverage for chapters and Property Insurance for state organizations.
• All Pro DadcoreStrategic or Co-development PartnerAIM fully supports the All Pro Dad mission of helping fathers love and lead their families well and offers a tailored insurance program covering General Liability, Embezzlement, Property, and Professional Liability for All Pro Dad chapters and groups.
• Dollars for Scholars (DFS)coreStrategic or Co-development PartnerAIM proudly supports Dollars for Scholars and the more than 500 communities it serves nationwide. AIM has created a tailored insurance program covering General Liability with Accident Medical, Directors & Officers Liability, Bonding, and Property Insurance for DFS local chapters.
• Facebook (Meta)minorGTM or Marketing PartnerFacebook remarketing service is used to advertise to previous visitors to AIM's Service. AIM maintains a Facebook page (facebook.com/aiminsuranceinc) where the company promotes blog content to followers.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Heffernan Insurance Brokers: Insurance brokerage with strong non-profit and education practice serving schools, foundations, and community organizations. Comparable customer overlap on educational non-profit insurance.

Broad incumbents

• Arthur J. Gallagher & Co. Large global insurance broker and risk management firm serving education and non-profit sectors. Broader portfolio than AIM but overlaps on K-12 and non-profit liability/D&O placements.
• Liberty Mutual Insurance: Large national insurance carrier offering general liability, D&O, and specialty coverages to non-profits and small organizations. Represents a generalist incumbent that could move down-market into AIM's niche.
• Markel Insurance: Specialty insurer offering niche commercial coverages including non-profit and small organization liability products. Operates at larger scale and broader scope than AIM but competes for similar specialty insurance risks.

Direct peers

• American Specialty Insurance & Risk Services: Program administrator and managing general agent focused on niche specialty insurance programs. Comparable MGA/program-administrator model serving affinity groups and small organizations.
• PTO Today: Provides insurance and resources for PTOs and parent groups. Operates in the same parent-group insurance niche as AIM, often cited as a competing insurance provider for school parent organizations.
• K&K Insurance: Specialty insurance program manager focused on niche markets including sports, leisure, and association clients. Comparable to AIM in serving specialty/non-profit/small-organization risks through a program-administrator model with carrier partnerships.
• National Insurance Services (NIS): Insurance program administrator serving K-12 schools, school districts, and non-profit organizations. Direct overlap with AIM on school-affiliated group insurance, particularly D&O and liability coverages for educational entities.
• Keenan & Associates: Insurance brokerage and consulting firm specializing in schools, community colleges, and public agencies in California. Direct comparable for K-12 / educational organization insurance programs.

Emerging players

• Hiscox Insurance: Specialty insurer known for small business D&O and professional liability with strong digital distribution. Comparable to AIM in offering affordable D&O/professional liability to small organizations, but with a tech-led, broader-target approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/aiminsuranceinc
• Xx.com/aim_companies

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AIM Insurance