AmTrust Financial Services, Inc. - Corporate Solutions
AmTrust Financial Services, Inc. - Corporate Solutions
AmTrust Financial Services, Inc. - Corporate Solutions
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$in millions<br />
Small Commercial Business<br />
Lower hazard, small business, workers’ compensation and packaged products<br />
• Target lower risk, underserved businesses,<br />
such as restaurants, retailers and<br />
professional offices<br />
– Average WC policy premium of $9,1050<br />
– 8 to 10 employees<br />
• Less price sensitive than traditional<br />
products<br />
– Strong client retention with renewal rates<br />
consistently 83%<br />
• Proprietary technology provides ease-ofuse<br />
and strong operating efficiencies<br />
• Distributed through over 8,000 active retail<br />
and wholesale agents<br />
– Geographically diversified primarily in Mid-<br />
Atlantic, Southeast, Midwest and California<br />
Combined<br />
Ratio<br />
Gross Written Premium<br />
$1,189<br />
$934<br />
$610<br />
$690<br />
$459 $470 $466<br />
2008 2009 2010 2011 2012 YTD12 YTD13<br />
Earned Premium<br />
$517<br />
$417<br />
$320 $310<br />
$239 $252<br />
$173<br />
2008 2009 2010 2011 2012 YTD12 YTD13<br />
74.5% 82.8% 85.7% 89.9% 91.6% 91.8% 90.8%<br />
23
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