AmTrust provides insurance protection, warranty programs and risk management expertise to small businesses, professional and financial services firms, retailers, and manufacturers worldwide. AmTrust is a major player in the commercial P&C market and the third largest workers’ compensation provider in the U.S. Our small business insurance product suite continues to expand with Cyber, BOP, Employment Practices Liability Insurance (EPLI), Package and other core coverages and capabilities, including more middle-market and large accounts.

Their mission has remained the same since the beginning: To deliver outstanding insurance and risk solutions to our clients and partners worldwide through innovation, niche expertise, and unparalleled service. AmTrust is a true partner, supporting our agents and our insured every step of the way.

Workers’ Compensation Insurance protects your business and your workforce by providing benefits to most employees injured on the job. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

A businessowners policy (BOP) from AmTrust combines basic required coverages you would normally buy separately into one bundle for a lower premium. Our BOP is perfect for small businesses with fewer than 50 employees, and it includes general liability, property and business interruption. You can add other coverages, like crime, cyber, employee benefits coverage and others as needed. Including one of our BOP enhancements will increase some coverage limits and add several other property and liability coverages.

Commercial Package Policy Insurance typically includes both general liability and property coverage, but can also include a number of other types of coverage, such as employment practices liability insurance (EPLI) and cyber. AmTrust serves middle markets and larger policyholders, offering a host of optional coverages that can greatly increase your commercial package product line and help you provide your policyholders with customized coverage.

Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. In the last decade, cyber threat to business has changed. While the loss or disclosure of sensitive data used to be a company’s primary concern in assessing their cyber risk, businesses are increasingly facing cyber risk that can threaten their operations and even their existence. Adding cyber insurance is a small cost, but the risk of not doing so can be devastating.

General Liability Insurance provides coverage to a business for bodily injury, personal injury and property damage caused by the business’s operations, products, or injury that occurs on the business’s premises.

If a person is injured at your place of business, a general liability policy will cover their medical expenses. The policy also would cover:

• Employee damage to a third party’s property
• Libel
• Slander
• Reputational harm
• Copyright infringement damages

Commercial Auto Insurance protects the policyholders’ assets and provides financial stability in the event of a loss. It includes coverage for all vehicles used by a business, whether they are owned, leased, or owned by employees and used for business purposes. The Business Auto Policy covers the policyholders’ cars, trucks, vans, and trailers, as well as additional or ancillary coverages.

Adding comprehensive EPLI coverage to an existing commercial package, BOP or workers’ comp policy protects small businesses from a wide range of costly employment-related claims.

AmTrust offers robust coverage for restaurants, and our businessowners policy was designed to address the unique hazards facing the industry. Our customized BOP can meet the needs of many different types of restaurants, from fine dining establishments to coffee shops.