A workers compensation market first, and a good one for the classes it wants.
We place AmTrust workers compensation regularly. Here is where the pricing is genuinely competitive, what the audit is like, and the classes we would take elsewhere.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What we place with AmTrust.
Workers compensation
Two thirds of what we place with them, and the reason they are on this list.
Without it — Competitive on small and mid-sized payrolls in the classes they want, with pay-as-you-go billing available.
Restaurants and food service
Cafeterias and buffets are the single biggest class we write here.
Without it — Food service workers comp is a class plenty of carriers avoid. This is a market that takes it.
Business owners policies
Package coverage alongside the comp, which is usually how it arrives.
Without it — Keeping the package and the comp with one carrier simplifies the audit and sometimes the price.
Cyber
Small-business cyber attached to the package rather than bought standalone.
Without it — Cheap as an add-on and expensive alone, which is the argument for putting it on the package while you can.
What people ask us about AmTrust.
What do you actually place with AmTrust?
Workers compensation, overwhelmingly — two thirds of the book — then business owners policies and small cyber. The classes are restaurants and buffets, janitorial contractors, claims adjusters and tire dealers.
Does AmTrust offer pay-as-you-go workers comp?
Yes, and it is the option people search for as AmTrust PAYO. Premium is calculated from each payroll run instead of an annual estimate, with the payroll figures reported through your payroll provider, so the deposit is small and the audit at year end has less to correct. It costs nothing extra to ask for. The only requirement is that your payroll provider reports to AmTrust, which most of the national ones do.
What should I watch for?
The audit, as with any workers compensation carrier. Keep your class codes and subcontractor certificates straight during the year rather than assembling them afterwards, because that is where a good price turns into a bill.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier’s rate whether you use one or not: buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Why does my AmTrust workers comp policy say Technology Insurance Company?
Because AmTrust is a group of insurance companies, and each policy is issued by one of them. Technology Insurance Company, Inc. is one of the group’s issuing insurers and it appears on a great many AmTrust workers compensation policies. The name on your policy paperwork is the company that is licensed in your state and that pays the claim, and its financial strength is the group’s. If a certificate holder questions the name, the answer is that it is an AmTrust company.
Also in this family
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.