AmTrust Financial Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
AmTrust’s currently published small-business appetite is centered on workers’ compensation and companion small commercial lines, with the verified official appetite guide showing BOP, package, workers compensation, umbrella, auto, inland marine, cyber, and EPLI eligibility by class. For Workers Comp, AmTrust indicates more than 500 eligible classes with over 300 eligible to bind online; target risks include main street small businesses and preferred classes such as artisan contractors, beauty shops, owner- or contractor-operated buildings, doctors and dentists, grocery stores, light machine shops, private schools, professional offices, restaurants, retail stores, and wholesale stores. Published WC underwriting notes state risks generally should have at least one year in business, artisan contracting risks are preferred with three years of prior coverage, and new ventures / no prior coverage may still be considered for most main street business. Additional WC operational guidelines include at least one full-time employee beyond owners, fewer than 75 employees at a single location at one time, and geographic variation in guidelines; the materials specifically note carrier availability language for states including TX and WA and say guidelines may vary geographically. For Commercial Property and Umbrella, the small-business appetite guide shows many office, medical, personal service, retail, restaurant, and wholesale classes as Preferred or Eligible, including lawyers offices, accountants, medical offices, dentists, physical therapy, barber/beauty/nail salons, copy/duplicating, bakeries/coffee shops, florists, clothing retailers, and many wholesale classes. The guide also reflects selected restrictions or ineligible/not-available positions by line/class, including examples such as BOP ineligible/not available for some technology classes (for example computer programmers and website design), BOP ineligible/not available for printing in the small-business matrix, auto ineligible/not available for some real-estate-agent risks, and class-specific limitations in the BOP guide such as no food trucks for certain restaurant classes and no high-value props for photographers/videographers. The appetite materials also note construction classes are subject to state construction defect guidelines. Submission/process guidance available from AmTrust Online indicates submissions can be entered up to 110 days before effective date; FEIN is required for WC submissions; applicant name and physical address are required; years in business, legal entity, nature of business, employee counts/payroll by class, and any additional states are collected in rating; modifiers can be entered; supporting documents can be attached; and if a risk is bind-online eligible, the platform will show a Bind option, otherwise it can be submitted to an underwriter. Broker/producer notes emphasize AmTrust’s ez quoting platforms (ezWC, ezBOP, ezPac, ezAuto), same-day binding for select online-eligible classes, real-time issuance after binding, online policy/claims/payment access, and the ability to message underwriting and generate ACORDs from the portal.