Top Sites>Global Specialist Insurer | AmTrust Insurance

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# AmTrust Financial Services — Full AI Context
> AmTrust Financial Services is a niche specialty property and casualty insurance company with more than 7,000 employees globally.
> 500,000+ small commercial policies in force. Customized coverage and over 400 eligible classes of business.
> Underwriting expertise, national footprint and superior claims handling.
> AM Best rating: A- (Excellent), Financial Size Category XV.
> CEO: Barry Zyskind
> For a concise summary see [llms.txt](https://amtrustfinancial.com/llms.txt)

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## Products

### Workers' Compensation
URL: https://amtrustfinancial.com/insurance-products/workers-compensation
AmTrust is the #3 U.S. workers' compensation carrier. Workers' compensation insurance covers medical expenses and lost wages for employees injured on the job. AmTrust provides customized coverage across 400+ eligible classes of business with dedicated claims handling and the AmCares nurse triage program.

### Business Owner's Policy (BOP)
URL: https://amtrustfinancial.com/insurance-products/businessowners-policy
A Business Owner's Policy bundles general liability and commercial property coverage into a single policy. AmTrust BOP policies start as low as $500 per year and are designed for small businesses across hundreds of eligible class codes.

### General Liability
URL: https://amtrustfinancial.com/insurance-products/general-liability
General liability insurance protects businesses from third-party claims of bodily injury, property damage, and personal/advertising injury. AmTrust offers monoline general liability and covers a wide range of industries.

### Commercial Auto
URL: https://amtrustfinancial.com/insurance-products/commercial-auto
Commercial auto insurance covers vehicles used for business purposes. AmTrust provides coverage for a range of commercial auto exposures and offers both monoline and packaged options.

### Cyber Insurance
URL: https://amtrustfinancial.com/insurance-products/cyber-insurance
AmTrustCyber provides coverage for cyber incidents including ransomware, business interruption, social engineering/deception, and cryptojacking. Designed for small and mid-size businesses facing growing digital threats.

### Employment Practices Liability Insurance (EPLI)
URL: https://amtrustfinancial.com/insurance-products/epli
EPLI protects businesses from claims made by employees alleging wrongful termination, discrimination, harassment, and other employment-related issues. AmTrust covers a wide range of preferred classes and provides access to risk management resources.

### Commercial Package
URL: https://amtrustfinancial.com/insurance-products/commercial-package
AmTrust's commercial package policy bundles multiple coverages — general liability, commercial property, and additional endorsements — into a single policy for streamlined coverage.

### Commercial Property
URL: https://amtrustfinancial.com/insurance-products/commercial-property-insurance
Commercial property insurance covers buildings, equipment, and inventory. AmTrust offers the PECE Platinum endorsement with 44 additional coverages for comprehensive property protection.

### Executive Liability
URL: https://amtrustfinancial.com/insurance-products/executive-liability
Executive liability insurance protects directors, officers, and the organization from claims related to management decisions and corporate governance.

### Surety
URL: https://amtrustfinancial.com/insurance-products/surety
AmTrust Surety provides surety bonds for contractors and businesses, ensuring contractual and regulatory obligations are met.

### Specialty Programs
URL: https://amtrustfinancial.com/insurance-products/specialty-programs
AmTrust Specialty Programs offers tailored insurance solutions for niche markets and specialized industries through program administrator partnerships.

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## Divisions

### AmTrust E&S Insurance (Excess & Surplus)
URL: https://amtrustfinancial.com/excess-surplus
AmTrust E&S Insurance is an excess and surplus underwriter of specialty insurance products in the casualty market. Three underwriting platforms: Specialty Casualty, Excess Casualty, and E&S Select. Focuses on hard-to-place or unusual risks, moderate to higher hazard risks with severity loss potential preferred over frequency. Focus on accounts under $100,000 in premium. Customized solutions and underwriting expertise to meet each insured's unique challenges.

### AmTrust Risk Solutions
URL: https://amtrustfinancial.com/risk-solutions
Provides specialized risk management and insurance solutions.

### AmTrust Title
URL: https://amtrustfinancial.com/title
Title insurance and settlement services.

### AmTrust International
URL: https://amtrustfinancial.com/international
International insurance operations.

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## Services

### Claims
URL: https://amtrustfinancial.com/claims
Claims reporting and management. AmCares nurse triage program for workers' compensation claims.
- Claims Phone: 888-239-3909
- Claims Email: WorkersCompClaimReport@AmTrustGroup.com

### Risk Control & Loss Control
URL: https://amtrustfinancial.com/loss-control
AmTrust's Loss Control Department provides one of the most effective risk management support programs available.

### Payments
URL: https://amtrustfinancial.com/payments
Pay-As-You-Owe payment program for flexible premium payments.

### Premium Audit
URL: https://amtrustfinancial.com/premium-audit
Premium audit services to ensure accurate policy pricing.

### VIP Program
Valued Insurance Provider program for agents and policyholders.

### API Access
URL: https://amtrustfinancial.com/api
API access for integration with AmTrust systems.

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## Industries Served
- Auto Repair: https://amtrustfinancial.com/industries/auto-repair
- Contractors: https://amtrustfinancial.com/industries/contractors
- Financial Institutions: https://amtrustfinancial.com/industries/financial-institutions
- Grocery Stores: https://amtrustfinancial.com/industries/grocery-stores
- Healthcare: https://amtrustfinancial.com/industries/healthcare
- Landscapers: https://amtrustfinancial.com/industries/landscapers
- Manufacturing: https://amtrustfinancial.com/industries/manufacturing
- Nonprofit: https://amtrustfinancial.com/industries/nonprofit
- Offices: https://amtrustfinancial.com/industries/offices
- Restaurants: https://amtrustfinancial.com/industries/restaurant
- Retail: https://amtrustfinancial.com/industries/retail
- Schools: https://amtrustfinancial.com/industries/schools
- Wholesale: https://amtrustfinancial.com/industries/wholesale

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## State Pages
- Arizona: https://amtrustfinancial.com/small-business-insurance/arizona
- California: https://amtrustfinancial.com/small-business-insurance/california
- Colorado: https://amtrustfinancial.com/small-business-insurance/colorado
- Florida: https://amtrustfinancial.com/small-business-insurance/florida
- Illinois: https://amtrustfinancial.com/small-business-insurance/illinois
- New Jersey: https://amtrustfinancial.com/small-business-insurance/new-jersey
- New York: https://amtrustfinancial.com/small-business-insurance/new-york
- Texas: https://amtrustfinancial.com/small-business-insurance/texas
- Virginia: https://amtrustfinancial.com/small-business-insurance/virginia

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## Frequently Asked Questions — Workers' Compensation

Q: What does workers' compensation cover?
A: Workers' compensation covers medical expenses and lost wages for employees who are injured or become ill on the job. It provides benefits regardless of who is at fault.

Q: What does workers' compensation not cover?
A: Workers' compensation generally does not cover injuries that occur outside of work, self-inflicted injuries, injuries sustained while committing a crime, or injuries sustained while violating company policy.

Q: What are examples of workers' compensation claims?
A: Common examples include slip and fall injuries, repetitive strain injuries, injuries from lifting heavy objects, burns, and exposure to harmful substances in the workplace.

Q: How do I file a workers' compensation claim?
A: Report the injury to your employer as soon as possible. Your employer will file a claim with their workers' compensation insurance carrier. AmTrust claims can be reported at 888-239-3909 or WorkersCompClaimReport@AmTrustGroup.com.

Q: How can you spot workers' compensation fraud?
A: Warning signs include delayed reporting, inconsistent injury descriptions, lack of witnesses, history of frequent claims, and injuries that occur on Mondays or right before scheduled time off.

Q: What are the benefits of a return to work program?
A: Return to work programs help injured employees return to productive work as soon as medically appropriate, reducing claim costs, maintaining employee morale, and supporting recovery.

Q: Is workers' compensation insurance mandated?
A: Workers' compensation requirements vary by state. Most states require businesses with employees to carry workers' compensation insurance, but specific requirements differ.

Q: What workers' compensation laws apply to me?
A: Workers' compensation is regulated at the state level. The laws that apply depend on where your business operates and where your employees work.

Q: How do state laws differ for workers' compensation?
A: States differ in coverage requirements, benefit levels, statute of limitations, dispute resolution processes, and which employers are required to carry coverage.

Q: How do I determine my workers' compensation rates?
A: Workers' compensation rates are based on classification codes, payroll, claims history (experience modification rate), and the state where employees work.

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## Contact Information
- Customer Service: 877-528-7878
- Claims: 888-239-3909
- Claims Email: WorkersCompClaimReport@AmTrustGroup.com
- Website: https://amtrustfinancial.com
- Agent Portal: https://amtrustfinancial.com/agents
- Blog (PolicyWire): https://amtrustfinancial.com/blog
- Sitemap: https://amtrustfinancial.com/xml-sitemap

## Social Media
- LinkedIn: https://www.linkedin.com/company/amtrust-financial-services
- Facebook: https://www.facebook.com/AmTrustFinancial
- Instagram: https://www.instagram.com/amtrustfinancial
- Twitter/X: https://twitter.com/AmTrustFinancial
- YouTube: https://www.youtube.com/amtrustfinancial