AmTrust Insurance
Reviews 2023

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Read small business insurance company reviews including ratings, policy types, customer service, and pricing.

AmTrust Insurance Ratings

AmTrust Reviews

AmTrust Insurance Reviews 2023 (Ratings, Complaints & Coverage). AmTrust Insurance is a division of the larger AmTrust Financial Services; a multinational casualty and property and insurance company based in New York. AmTrust Financial Services operates through its subsidiaries to offer insurance services in the following three segments:

  1. Specialty Middle-Market Property and Casualty insurance
  2. Specialty Risk and Extended Warranty Insurance
  3. Small Commercial Business insurance

This article will focus on small commercial business segment. If you are a business owner looking to buy liability insurance, read AmTrust Insurance reviews to learn about AmTrust's products.

Check out AmTrust Insurance reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.

Following are some of the answers to commonly asked AmTrust small business insurance questions:

Does AmTrust Offer Business Insurance?

Yes, AmTrust offers business insurance with a focus on small business commercial policies.

What Types Of Commercial Insurance Does AmTrust Offer?

AmTrust offers small business insurance policies including: General Liability, Commercial Property, Workers Compensation, Commercial Auto and others.

How Much Does AmTrust's Small Business Insurance Cost?

The average cost of AmTrust's commercial insurance policies ranges from $47 to over $127 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History.

AmTrust Insurance History

AmTrust Insurance was originally founded in 1972. However, AmTrust Financial where AmTrust Insurance is now a division was founded in 1998. The founders were George and Michael Karfunkel, and Barry Zyskind who is the current CEO of the company. Since it was founded 19 years ago, the company has expanded to become a global insurer through over 40 acquisitions with is major operations being in United Kingdom, North America, and mainland Europe.

In 2006 the company was listed on the NASDAQ Global Select Market under AFSI ticker symbol. Currently, the company serves in 70 countries across the globe with over 7,000 employees. Over the years, it has grown to become a leading commercial insurer in North America with a rating of "A" from AM Best Company. AmTrust Insurance reviews are good/

Business Operations

When the company started out, it focused on serving property and casualty markets which were then underserved by the large insurance carriers. Thus, the company started offering various insurance packages and policies to serve low risk, small and medium size businesses. It also offers a wide range of insurance products including commercial business insurance.

Core Business Segments

The company sells its commercial insurance packages based on the risk analysis of the preferred business class. These packages fall in the following segments: commercial insurance package, specialty business insurance, and specialty risk and extended warranty. AmTrust Insurance ratings differ based on the segment.

Commercial Business Insurance Package: This package offers workers compensation to small businesses that operate in low to medium risk classes. These types of businesses include restaurants, hotels, light manufacturing, building owners, retail stores, laundry/dry cleaning, physicians, lawyers, and other professional offices.AmTrust Insurance reviews for workers comp are good.

Specialty Business Insurance: Besides the commercial business package, the company also offers other casualty and property insurance products to small businesses. This segment covers general liability, excess surplus lines insurance programs, commercial auto liability, and other specialty commercial property and casualty insurance.

Specialty Risk and Extended Warranty: The company also tailors its commercial insurance package to include cover that meets the unique needs of specific businesses. Thus, this segment offers tailor made coverages such as payment protection plans, accidental damage, and auto insurance. Most of these packages allow flexibility in terms of insurance add-ons that include auto, general liability, property, workers compensation, boat, or even a commercial umbrella policy.

AmTrust Financial Services, Inc. Availability

Those wishing to access AmTrust's business commercial package need to submit a written description to clarify its risk assessment and operations. Only companies with a loss ratio lower than 40% and have been operational for at least three years are eligible for the commercial business insurance package. AmTrust Insurance reviews for easy of getting quotes are difficult to find.

Small business owners looking to insure themselves with AmTrust need to carefully research various policies offered by the company. This is because, each policy has diverse classifications of businesses it is available for, different regions of the country it is available in, and a varying application process.

To be more specific, the company's commercial business insurance package is available in the following regions/states in United States:

  • The entire western United States apart from Hawaii and Alaska
  • The entire Midwest apart from Michigan
  • Only limited number of states along the Atlantic such as Pennsylvania, Georgia, and Delaware

Are AmTrust's Commercial Insurance Reviews & Ratings Good?

Following are some AmTrust business insurance ratings found online which appear mixed:

  • - The Better Business Bureau rates them 3.23 out of 5 stars.
  • - US Insurance Agents rates them 1.0 out of 5 stars.

AmTrust Financial Services, Inc. Contact Information

Address: 59 Maiden Lane, New York, NY 10038


The Bottom Line On AmTrust Insurance

The company has evolved from just a simple insurance provider to grow into a multinational corporation present in 70 countries employing over 7,000 employees. As the organization expanded, it became better through investing in proprietary technology and people to offer some of the most innovative and flexible products to meet the needs of its customers. The company specializes in offering business insurance to small and medium businesses that operate in operate in low hazard classes.

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