AmTrust Financial Services offers comprehensive insurance solutions including workers compensation insurance, business owners policy BOP, general liability insurance, commercial auto insurance, cyber liability insurance, and specialty coverage for restaurants, contractors, retail businesses, and transportation companies across the USA.
This central AmTrust hub stores all AmTrust insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Find AmTrust workers comp insurance cost, AmTrust general liability insurance rates, AmTrust BOP pricing, AmTrust commercial auto insurance quotes, and AmTrust cyber insurance for small business in one place.
AmTrust Insurance Coverage Portfolio
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AmTrust Financial Services & AmTrust Insurance: Ultimate 2026 USA Company Guide
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AmTrust Financial Services: Complete Company Guide 2026 (USA Insurance Leader)
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AmTrust Business Insurance: Complete Coverage Guide for USA Companies (2026)
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AmTrust General Liability Insurance for Small Business (2026 Complete USA Guide)
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AmTrust Workers Comp Insurance for Small Business: Complete 2026 USA Guide
AmTrust workers comp insurance for small business offers some of the most affordable rates in America for restaurants, retail stores, janitorial services, and light manufacturingRead more
Workers Compensation Insurance from AmTrust
AmTrust leads in workers comp insurance with pay-as-you-go premium options, dedicated loss control services, and industry-specific risk management programs. Coverage includes medical treatment, wage replacement (66-2/3% of average weekly wage), rehabilitation, and employer liability.
Key Industries Served:
- Contractors (general contractor insurance cost considerations)
- Restaurants (restaurant insurance cost per month factors)
- Retail operations (retail insurance requirements)
- Landscaping services (landscaping business insurance cost variables)
Average Rates by Payroll (2026):
| Annual Payroll | Industry Risk | Monthly Premium |
|---|---|---|
| $50,000 | Retail/Clerical | $125-$275 |
| $100,000 | Light Contractors | $350-$750 |
| $250,000 | Restaurants | $900-$2,000 |
| $500,000 | General Contractors | $2,000-$5,500 |
AmTrust Workers Comp Advantages:
- Low claims adjuster caseloads (better service)
- Online payroll reporting integration
- State-specific compliance programs
- Experience modification rate consulting
AmTrust Business Owners Policy (BOP)
AmTrust BOP insurance combines general liability, commercial property, and business income coverage at 15-25% savings versus separate policies. Available for eligible risks with <$5M revenue and <100 employees.
Standard BOP Limits:
- General Liability: $1M per occurrence/$2M aggregate
- Property: $100K-$2M building/contents
- Business Income: 12 months actual loss
- Optional: Equipment breakdown, cyber liability add-ons
Eligible Business Types:
- Retail stores (retail business insurance)
- Professional offices (professional liability insurance companies)
- Restaurants under 25 seats (best insurance for restaurants)
- Wholesalers/light manufacturing
BOP Cost Examples:
| Business Type | Annual Revenue | Monthly Premium |
|---|---|---|
| Retail Store | $250K | $65-$125 |
| Office/Consulting | $150K | $45-$95 |
| Small Restaurant | $400K | $110-$225 |
| Wholesaler | $750K | $150-$325 |
AmTrust General Liability Insurance
AmTrust general liability insurance provides third-party bodily injury, property damage, personal/advertising injury protection with $300K-$2M limits. Monoline policies available in most states.
Coverage Highlights:
- Products/Completed Operations (30 days standard)
- Damage to Premises Rented ($50K)
- Medical Payments ($5K per person)
- Hired/Non-Owned Auto (optional)
Cost by Industry Classification:
| NAICS Code | Business Type | Monthly Rate ($1M Limit) |
|---|---|---|
| 541611 | Admin Services | $25-$55 |
| 722511 | Limited-Service Restaurants | $75-$175 |
| 236118 | Residential Contractors | $85-$225 |
| 541990 | Professional Services | $35-$85 |
AmTrust Commercial Auto Insurance
AmTrust commercial auto insurance covers business-owned vehicles with local/regional radius operations. Available in 48 states with CA, NJ, NY monoline options.
Coverage Options:
- $300K-$1M Combined Single Limits
- Hired/Non-Owned Auto endorsements
- Light/Medium duty trucks, vans, box trucks
- Passenger vehicles for service calls
Rate Examples (Annual):
| Vehicle Type | Radius | Annual Premium |
|---|---|---|
| Cargo Van (Local) | 50 miles | $1,800-$3,500 |
| Box Truck 26ft | 150 miles | $4,200-$7,800 |
| Pickup Truck | Service | $1,400-$2,800 |
| Passenger Van (10 pax) | Local | $2,200-$4,500 |
AmTrust Cyber Liability Insurance
AmTrust cyber liability insurance protects against data breaches, ransomware, business email compromise, and regulatory fines. No IT questionnaire required for <$1M revenue businesses.
Coverage Includes:
- Data breach notification/legal fees
- Credit monitoring for affected individuals
- Public relations/crisis management
- Regulatory fines/penalties
- $100K-$5M limits available
Cost Structure:
- $100K limit: $850-$1,800/year
- $250K limit: $1,200-$2,500/year
- $500K limit: $1,800-$3,800/year
AmTrust Insurance by Industry
Construction & Contractors
- General contractor insurance cost optimization
- Roofing public liability insurance requirements
- Electrical contractor insurance cost breakdown
- Plumbing contractor insurance programs
- HVAC business insurance cost factors
Hospitality & Food Service
- Restaurant insurance cost per month analysis
- Catering business insurance coverage needs
- Food truck insurance cost by state
- Bar insurance cost considerations
- Hotel insurance program options
Retail & Service Businesses
- Retail business insurance requirements
- Hair stylist insurance coverage options
- Cleaning business insurance and bonding cost
- Landscaping business insurance cost factors
- Security guard insurance requirements
Transportation & Logistics
- Cargo van insurance cost optimization
- Box truck insurance quotes comparison
- Commercial tow truck insurance programs
- Moving company insurance coverage needs
- Courier insurance car requirements
AmTrust Complete Articles & Guides Hub
This page serves as the central repository for all AmTrust insurance content:
Published AmTrust Guides:
• AmTrust General Liability Insurance for Small Business 2026 Complete USA Guide [web:140]
• AmTrust Workers Compensation Insurance Cost 2026: State-by-State Rates
• AmTrust BOP vs Next Insurance: Business Owners Policy Comparison 2026
• AmTrust Commercial Auto Insurance for Box Trucks & Vans: Complete Coverage Guide
Coming Soon:
• AmTrust Cyber Liability Insurance Cost 2026: Data Breach Protection for Small Business
• AmTrust Restaurant Insurance Programs: Liquor Liability + Property Coverage
• AmTrust Contractor Insurance Packages: Workers Comp + GL + Commercial Auto Bundles
• AmTrust Retail Insurance Complete Guide: Storefront + Inventory Protection 2026
AmTrust Insurance Cost Comparison Tool
Annual Premium Comparison ($250K Revenue Businesses):
| Coverage Package | AmTrust | Next Insurance | Hiscox | Progressive |
|---|---|---|---|---|
| Workers Comp Only | $2,400 | $2,100 | N/A | $2,800 |
| GL + Property (BOP) | $1,200 | $1,450 | $1,300 | $1,650 |
| Commercial Auto (1 Van) | $2,800 | N/A | N/A | $2,400 |
| Cyber Liability ($250K) | $1,800 | $2,200 | $1,650 | $2,100 |
| 3-Policy Bundle Discount | 12% | 8% | 10% | 15% |
AmTrust Customer Reviews Summary 2026
Strengths (4+ Star Feedback):
- Competitive workers comp rates
- Strong loss control/risk management services
- Flexible BOP eligibility
- Good commercial auto options for light fleets
Challenges (Mixed/Negative Feedback):
- Customer service response times
- Claims processing delays reported
- Agent-dependent experience varies by region
BBB Rating: B (addressing complaints)
Trustpilot: 3.2/5 (87 reviews)
AmTrust Financial Strength & Stability
• AM Best Rating: A- (Excellent) [web:133]
• Policies in Force: 500,000+ small business policies
• 2025 Direct Premiums: $6.2B
• Claims Paid: $4.1B (2025)
• Market Focus: Businesses <100 employees, <$50M revenue
How to Get AmTrust Insurance Quotes 2026
Step-by-Step Process:
- Locate Agent – Find local independent agent via AmTrust directory
- Business Profile – Provide NAICS code, payroll, revenue, employee count
- Risk Assessment – Complete industry-specific questionnaire
- Bundle Request – Ask for workers comp + BOP + auto package quotes
- Compare Quotes – Get 2-3 carrier options through agent
Pro Tip: Request AmTrust pay-as-you-go workers comp for seasonal/monthly payroll fluctuations.
Frequently Asked Questions
What is the average AmTrust workers comp insurance cost?
$1.25-$5.50 per $100 payroll depending on industry classification and experience mod.
Does AmTrust offer cyber liability insurance?
Can I get AmTrust BOP insurance for my restaurant?
AmTrust Insurance Hub – Updated January 2026. All major AmTrust articles, cost guides, and coverage comparisons centralized for USA businesses. Rates based on published carrier data and industry analysis. Consult licensed agent for binding coverage.