INSURANCE CARRIER
AmTrust Workers Compensation
AmTrust Financial Services is a workers compensation specialist serving small businesses across the United States.
Commercial Lines - Workers Comp
- File a claim 888-239-3909 · 24/7 phone
- Online Account & claims portal
- After hoursAmTrust claims: 1-888-239-3909 anytime.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
AmTrust Financial Services is a workers compensation specialist serving small businesses across the United States. Their book focuses on low-to-medium hazard small employers in restaurants, retail, professional services, and small contractors. AmTrust offers competitive pricing and online underwriting tools for their target small business segment.
Strengths
What This Carrier Does Well
Workers comp-only focus produces underwriting and claims expertise specifically for small business workers comp.
Online underwriting tools allow fast quotes for the target small business segment.
Online underwriting tools allow fast quotes for the target small business segment.
Limitations to Know
Where They Fall Short
Workers comp only. No business package, commercial auto, or general liability. Pairs with another carrier.
Premium volume minimums can make AmTrust uncompetitive for micro businesses with fewer than 3 employees where per-unit cost is higher
Premium volume minimums can make AmTrust uncompetitive for micro businesses with fewer than 3 employees where per-unit cost is higher
Right Fit
Who They Are Best For
Best Fit For
Small businesses and contractors needing workers compensation coverage, particularly trade and light manufacturing classes that are difficult to place in the preferred market at competitive rates.
Not a Good Fit For
Large commercial accounts or businesses with significant claims history. AmTrust's appetite is focused on smaller commercial risks with manageable loss runs.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Workers Comp
- Coverage Types
- Workers compensation
- Carrier's Licensed States
- GA and all 50 states
- Commercial Lines States
- GA and all 50 states
- BOP Appetite
- Not a business package carrier. AmTrust focuses on workers comp.
- Industry Classes
- Restaurants, retail, professional services, small contractors, low-hazard manufacturing, hospitality, fitness, childcare
Pricing & Claims
What to Expect
Best Pricing For
Low-to-medium hazard small business workers comp.
Pricing Context
AmTrust prices workers comp competitively for small commercial accounts in construction trades, retail, and service businesses, especially when preferred carriers have declined or set the premium too high.
Claims Experience
Established workers comp claims infrastructure with an adjuster network. Claims handling is competent for routine workplace injury claims. You can see how Olive Cover supports you during a loss on our claims page. Admitted Status: Admitted carrier for workers compensation Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Admitted carrier for workers compensation
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts