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
Workers Comp: - Preferred business: Small and mid-sized employers across a broad range of standard classes, written nationwide via appointed independent agents. AmTrust emphasizes flexible, tailored programs for small business and mid-market accounts and strong claims/risk control services rather than a narrow class list. Agents are expected to understand state WC laws, class codes, and WC underwriting, and to place accounts that fit traditional guaranteed-cost WC programs with mainstream loss exposures rather than high‑hazard or shock‑loss driven risks. - Restricted/declined: The public WC page does not publish a class-level exclusion list. Operationally, expect reduced appetite for high-hazard industries (heavy manufacturing with severe loss potential, high-risk construction, longshore, high-severity transportation, or accounts with poor loss history) and risks that do not meet state WC compliance or safety expectations. Accounts involving fraud indicators, intentional injuries, or injuries occurring while doing something illegal, off the clock, under the influence, or in violation of company policy are not covered and should not be presented as normal WC exposure. - Geographic notes: AmTrust presents itself as a leading WC carrier for small businesses nationwide, so standard-state small business WC is generally in appetite. Placement is subject to each state’s regulatory environment and AmTrust carrier licensing; confirm availability for monopolistic fund states and any specialty jurisdictions before marketing. - Submission/producer notes: WC is distributed via appointed agents. Agents are expected to submit complete applications, accurate class codes and payrolls, detailed operations descriptions, and current loss runs where required. AmTrust highlights its claims expertise, premium audit, and risk control services; producers should coordinate early on loss control needs for higher‑hazard or experience‑rated risks and monitor claim reporting timeliness (AmTrust expects injuries to be reported promptly, ideally within 24 hours of the incident). Commercial Property & Umbrella – operational view based on current BOP material: - For small commercial property and umbrella needs, AmTrust typically packages property and liability via its Businessowners Policy (BOP). The BOP combines general liability, commercial property and business interruption, and can be enhanced with crime, cyber, and other options. AmTrust also markets Commercial Package, Commercial Property and Commercial Auto on its site, indicating broader middle‑market capability, but detailed stand‑alone appetite/underwriting criteria are not published on the public pages. Businessowners Policy (BOP) – key appetite signal for property-related business: - Preferred business: Small businesses with fewer than 50 employees and typical small‑commercial exposures. AmTrust writes over 350 BOP class codes; the product is particularly well-suited to: • Professional offices • Business and personal services • Contractors (light/trade contractor risks) • Retail • Restaurants • Wholesale • Habitation/Apartment/Condo - Ineligible / generally declined for BOP: • Manufacturing • Contractors (for many contractor types BOP is ineligible; they may need other AmTrust products) • Hotels and motels • Buildings with more than 25% vacancy • 24-hour retail operations • Seasonal operations • New ventures with less than 3 years’ experience in general management of another operation of similar type and size • Risks located in Alaska, Florida or Hawaii - Geographic notes: BOP guidelines specifically exclude businesses located in Alaska, Florida and Hawaii, which is a key placement flag for commercial property and liability written through BOP. - Size/limit parameters (BOP): Targeted small business segment; AmTrust notes that many small businesses can be written with up to approximately $7.5M in sales and combined building/contents limits up to about $5M under BOP. Premiums can be as low as roughly $500 depending on exposure. - Producer/broker instructions: • Use BOP for qualifying small accounts in the preferred classes above; AmTrust encourages a targeted approach focused on those classes to maximize hit ratio and commission. • Manufacturing, hotels/motels, high-vacancy, 24‑hour retail, seasonal, and inexperienced new ventures should generally not be submitted for BOP as they are listed as ineligible. • Agents are advised that workers compensation and auto are not included in BOP and must be placed separately; however, AmTrust heavily promotes bundling BOP with its WC. • AmTrust offers a 10% discount on BOP when bundled with an AmTrust workers’ compensation policy for targeted classes, and touts 3–5 minute quoting for “ezBOP” accounts. Producers should use this for fast‑track, small, clean risks and expect more underwriting attention for larger or more complex schedules. Commercial Umbrella: - AmTrust’s public site lists Commercial Umbrella as part of its small-commercial and package solutions, but detailed umbrella-specific underwriting criteria are not broken out on the public pages. Operationally, expect appetite aligned with underlying AmTrust GL/BOP/auto/WC risks in standard small commercial classes, with hesitancy on high‑hazard products, large auto fleets, or poor loss experience. Verify umbrella availability, required underlying limits, and any prohibited classes with your territory underwriter or agency guide before marketing as a standard option. General broker/operational notes: - Distribution is through appointed independent agents; producers should use the AmTrust Agent Marketing Library and online rating tools (e.g., for BOP/“ezBOP” and small WC) for standard small commercial opportunities and coordinate directly with underwriters for non‑standard exposures. - Risk control and premium audit are emphasized as part of the value proposition, especially for WC and property-intensive classes. Agents should prepare insureds for audits and safety recommendations. - For any risk falling near the ineligible criteria (e.g., higher vacancy, limited experience, seasonal operations, or higher‑hazard classes), pre‑clearance with an underwriter is recommended rather than routine submission.