Small Business Insurance Solutions - AmTrust North America

Capabilities 

Small Business Insurance Solutions 

We’re (sm)all business. SM

Thinking big for small business. 

AmTrust North America understands small businesses – we started our business by focusing 

on small to mid-size businesses and that is where our focus remains today. We embrace the 

entrepreneurial spirit of small businesses because that’s how AmTrust began. We understand 

the challenges small businesses face and understand their ever-changing insurance needs. 

Small businesses are a vital part of the American economy, employing a majority of the country’s 

private workforce and creating many new jobs. AmTrust has created insurance products and 

services designed specifically to help agents address this often overlooked, yet thriving segment 

of our business economy. Offering multiline coverage including workers’ compensation and 

commercial package, AmTrust offers the insurance necessary to protect small business clients. 

We make doing business easy. 

AmTrust’s success comes from unique alliances we’ve formed with independent agents 

nationwide. Our agents rely on our simplified systems and personal approach to business. 

We strive to make working with AmTrust simple by providing our agents with the tools 

necessary to quickly and efficiently submit business and manage claims. Within minutes, our 

subproducing agents are able to access AmTrust’s easy-to-use online system that simplifies 

administration and provides quick, personalized underwriting turnaround. 

In addition, our understanding of and experience with business insurance laws allow us to 

manage our claims cases to the best and lowest cost outcome. AmTrust’s claims processing 

system is one of the most efficient and effective in the insurance industry. 

We take a personal approach. 

At AmTrust, we understand that underwriting is unique to each business operation we 

represent. Our underwriters review every submission, adding that critical personal touch every 

small and mid-sized business can appreciate. And our technology ensures that customers 

receive responsive results and expedient decision-making. 

For more information, visit www.amtrustnorthamerica.com or call 877.528.7878.

AmTrust North America is wholly owned by parent company AmTrust Financial Services, Inc., a 

multinational property and casualty insurer specializing in commercial lines coverage for small- to 

mid-sized businesses. AmTrust North America provides a suite of small business insurance products 

including: workers’ compensation, commercial package, general liability, property, inland marine, 

employment liability, commercial agriculture, and farm and ranch. More information about AmTrust North 

America can be accessed at www.amtrustnorthamerica.com. 

5800 Lombardo Center 

Cleveland, OH 44131 

ph: 877.528.7878 

fx: 800.487.9654 

w: www.amtrustnorthamerica.com 

MKT0400 06/10

Risk Management 

Our experienced risk management and loss control staff adds value to businesses through: 

• Assessing safety and loss prevention programs 

• Conducting IT evaluations 

• Individual component or comprehensive services 

• Prompt, responsive service 

At AmTrust North America, we have professional and qualified safety consultants ready to 

provide assistance in the form of: 

• Regionally located consultants across North America 

• Quality controlled risk assessments 

• Ability to provide pre-risk survey of accounts 

• Safety and accident prevention & elimination 

• Program development 

• Risk monitoring & maintenance assistance 

• Hazard identification & control techniques 

• Safety training 

• Classification underwriting/validation 

• Accident investigations 

AmTrust North America has also created a CD that houses various safety and loss control materials, which 

provides information on a range of topics, including general workplace safety, job safety analysis, effective safety 

programs and more. To request this CD, call 888.486.7466 ext. 3273 or e-mail lcinfo@amtrustgroup.com. 

Visit the Risk Management Section of www.amtrustnorthamerica.com for access to loss control materials, 

resources and our incidence calculator. 

AmTrust North America 

An AmTrust Financial Company 

MKT0401 07/10 


Online Tools 

At AmTrust, we strive to help make every second count. We enhance your productivity by continually 

streamlining our Internet offering, turning it into a dynamic reference point with a variety of tools. 

Available through AmTrust Online, located directly on www.amtrustnorthamerica.com, you have 

access to: 

• All Activity: View all new and renewal quote activity and all in-force policy transactions. 

• Quote Activity: View all quote activity on submissions you have entered and renewal quotes generated 

automatically by AmTrust. 

• Policy Activity: View all in-force policy transactions including those issued, bound, endorsed, renewed, 

cancelled and reinstated. 

• New Submission: Create a new submission. 

• Edit Submission: Make changes to an already existing quote and submit documents for the change. 

• Request Endorsement: Request a change endorsement on an existing policy and submit the request 

for review and processing. 

• File Room: View policy information: policy summary, producer information, endorsement history, 

officers, locations, additional named insureds, specific waivers, A/R summary, installment schedule 

and loss runs. 

• My Profile: Manage your agency’s contact information, add new contacts and assign primary contacts 

for your agency. 

Beyond these tools, we know sometimes you just want the facts. By visiting www.amtrustnorthamerica.com, 

you’ll be able to find information on our product offerings, areas of coverage, news, notes and more. 



MKT0402 07/10 


Claims Service 

Our claims processing system is one of the most efficient and effective in the insurance industry. Take a look at 

some of the advantages we offer in handling commercial package claims: 

Claims Processing Features: 

• AmTrust’s professional claims staff has an average of 20+ years of experience. 

• Our claims adjusters maintain low workloads, enabling them to effectively manage claims. 

• We use an automated claim system and operate in a paperless environment. 

• Three-point contact is immediately initiated with the injured worker, employer and doctor. 

• Our Medical Director assists in determining proper diagnoses, provides access to treating physicians, 

and holds peer-to-peer reviews to discuss claims directly with physicians. 

Customer Benefits: 

• 24/7 centralized call center staffed by special claims operators who provide assistance for reporting 

claims, allowing claimants, policyholders and producers to speak with a live person. 

• Injured employees, medical providers and others are paid without delay. 

• Return-to-work options are initiated through a joint effort among the employer, physician and 

injured employee. 

• Favorable claims load per claims representative enables us to handle claims quickly and judiciously. 

Each business segment is supported by a senior position with a high level of experience. 

• Preferred One Source Repair Program streamlines claims handling for automobile repairs through 

quality, authorized collision repair facilities across the country. 

Continued on reverse... 




Claims Service Close to Home 

In addition to our 24/7 toll-free claims number, AmTrust has professional, qualified field consultants who are 

ready to provide claims assistance from offices around the country. Here’s where you can contact us: 

Workers’ Compensation 

Claims Offices: 

Atlanta 

P.O. Box 740042 

Atlanta, GA 30374-0042 

888.239.3909 

678.258.8000 

678.258.8399 fax 

Boca Raton 

P.O. Box 310719 

Boca Raton, FL 33431 

800.866.8600 

561.994.9888 

561.995.1004 fax 

Chicago 

P.O. Box 105074 

Atlanta, GA 30348-5074 

888.239.3909 

678.258.8399 fax 

Dallas 

P.O. Box 650767 

Dallas, TX 75265-0767 

214.360.8065 

866.249.4298 

678.258.8395 fax 

Des Moines 

P.O. Box 105074 

Atlanta, GA 30348-5074 

888.239.3909 x8534 

678.258.8534 

Milwaukee 

P.O. Box 105074 

Atlanta, GA 30348-5074 

888.641.2001 x3410 

678.258.8532 

502.493.0411 fax 

Missoula 

P.O. Box 105074 

Atlanta, GA 30348-5074 

866.246.6891 

678.258.8531 

406.541.9036 fax 

Princeton 

P.O. Box 105010 

Atlanta, GA 30348-5010 

888.239.3909 

678.258.8399 fax 

Commercial Package 

Claims Offices: 

Dallas 

P.O. Box 650767 

Dallas, TX 75265-0767 

214.360.8000 

877.207.3119 

After Hours 

866.272.9267 

877.207.3961 fax 



MKT0403 07/10 


Regional Underwriting 

Key Agents are those who write more complex risks and/or have a significant policy count. To best serve this 

market, field regions have been established to position decision-making and relationship management closer 

to the agent. We strive to be an elite mid-market alternative for our Key Agents in each region. 

Competitive Underwriting Platform 

AmTrust offers flexible underwriting and competitive benefits to Key Agents. We foster consultative 

relationships by encouraging our underwriters to visit agents’ offices and aim to execute a streamlined process 

by bringing the decision-making closer to the customer. 

Our competitive benefits to Key Agents include: 

• Majority of states available for coverage 

• Multiple product offerings, including retros, dividends and schedule credit availabilities in some states 

• Competitive commissions for wholesale and retail businesses 

• Flexible billing options: direct or installment options available 

• Producers assigned and pre-screened per region 

• Small and large premium accessibility 

• Timely submission turn-around 

• Renewal retention as a priority 

• Submissions acceptance in Internet, fax, e-mail or hardcopy formats 

Claims Capabilities 

AmTrust provides agents with cutting-edge claims capabilities. We are committed to low claim counts, 

maximum managed-care benefits and responsible claim evaluation. We offer claim review meetings and claim 

presentations in our regional offices. To better serve our agents, loss runs are available instantly on our Web 

site, www.amtrustnorthamerica.com. 

Our dedication to loss control benefits our customers through high renewal retention rates and lower 

incidents and losses. When appropriate, individualized safety service plans can be implemented by loss 

control representatives. 





Regional Office Locations and Contacts 

Southeast – Atlanta 

Joel Alligood 

11330 Lakefield Drive, Building II, 

Suite 100 

Duluth, GA 30097 

678.258.8000 

Northeast – Nashua 

Pam Beaulieu 

98 Spit Brook Road, Suite 402 

Nashua, NH 03062 

603.888.8900 

Central – Cleveland 

DeLynn Trivison 


Cleveland, Ohio 44131 

866.203.3037 

Midwest – Chicago 

Steve Kelley 

33 W. Monroe, 18th Floor 

Chicago, IL 60603 

312.781.0401 

Midwest – Brookfield 

Paul Beil 

400 S. Executive Drive, Suite 150 

Brookfield, Wisconsin 53005 

262.641.0672 

Florida 

Chris Amato 

901 N.W. 51st Street 

Boca Raton, FL 33431-0704 

800.866.1234 

Southwest – Dallas 

John Allen 

12790 Merit Drive, 

Tower 9, 3rd floor 

Dallas, TX 75251 

214.360.8065 

Northwest – Portland 

Greg Lamothe 

12909 S.W. 68th Parkway, 

Suite 450 

Tigard Triangle, Building B 

Portland, Oregon 97223 

503.403.3011 / 888.291.8290 

We look forward to providing you with the most personalized, responsive service in the industry. Our regional 

underwriting structure allows us to designate a single AmTrust point-of-contact for every agent and nurture 

each relationship. 



MKT0404 07/10 


Payment Options 

Payment Options: 

1. Check Payment ($500 minimum annual premium in most states) 

2. AmTrust AutoPay (Must be used for 12 equal installment plan) 

3. Credit Card (To pay by credit card, contact our Customer Service Department at 877.528.7878 between 

8 a.m.– 6 p.m. ET) 

4. Pay-As-You-Owe ® (PAYO ® ) - See details below 

5. Monthly Self Audit – Policyholder submits payroll spreadsheet with payment on a monthly basis 

6. Electronic Check (To pay by electronic check, contact our Customer Service Department at 877.528.7878 

between 8 a.m.– 6 p.m. ET) 

Installments: 

• Pay in full 

• 50% down payment and one installment 

• 40% down payment and 3 quarterly installments (Requires annual premiums in excess of $1,000) 

• 25% down payment and 3 equal consecutive monthly installments (Requires annual premiums in 

excess of $1,000) 





• 12 equal consecutive monthly installments (Requires annual premiums in excess of $600 and the 

use of AmTrust AutoPay) 

AmTrust AutoPay: 

We want to make working with us as simple as possible, so we’re providing a simple way for your 

policyholders to pay their premiums – AmTrust AutoPay, our direct debit payment option. 

AmTrust AutoPay allows you to enroll your policyholders for automatic deductions from the bank account they 

designate. Payments are automatically withdrawn on the 10th of each month. 

Benefits: 

• Increased cash flow 

• Avoid installment plan fees 

• Less paperwork for easier accounting 

• Improved budgeting 

• Spread premium payments over the full year 





Enrollment: 

Signing up is simple – when submitting a quote through AmTrust Online select AmTrust AutoPay as the 

payment option or call our Customer Service Department at 877.528.7878 for an authorization form that you 

can complete and fax to our secure number 216.520.3178. 

Pay-As-You-Owe ® (PAYO ® ): 

To make workers’ compensation premium payments as seamless as possible for insureds, AmTrust-appointed 

agents can partner with approved payroll companies. Since workers’ compensation premium is based on 

payroll, the payroll company calculates the premium at the same time they calculate the insured’s payroll, and 

Benefits to binding workers’ compensation accounts on PAYO ® include: 

• Low $200 deposit 

• Improves cash flow since employer pays workers’ compensation with actual payroll 

• Reduces the chance of additional or return premium at audit 

• Allows employers better control over their workers’ compensation business expense 

Getting payroll companies approved is a simple process. To confirm that the payroll company has adequate 

information on their workers’ compensation report, AmTrust requests a copy of the report and information on 

how the company will submit the insured’s premium payment. To find out if a payroll company is approved or to 

submit a company for approval, please contact your marketing representative. 

Payment Information 

AmTrust Insurance Company 

of Kansas 

PO Box 318004 

Cleveland, OH 44131-8004 

Milwaukee Casualty Insurance 

Company 

PO Box 318004 


Rochdale Insurance Company 

PO Box 31480 


Security National Insurance 

Company 

PO Box 318004 


Technology Insurance 

Company 

PO Box 31520 


Wesco Insurance Company 

PO Box 31880 


Overnight Payment 


Cleveland, OH 44131 

Customer Service 


Phone: 877.528.7878 

www.amtrustnorthamerica.com 



MKT0405 07/10 


Financial Strength 

AmTrust North America is a subsidiary of AmTrust Financial Services Inc., publicly traded on the NASDAQ 

Global Market under the stock symbol AFSI. Recent acquisitions and ongoing organic growth at AmTrust 

offers agents financial stability, reflected in an A.M. Best rating of an “A” (Excellent), Financial Size IX 

($250-500mm surplus) for the AmTrust Group of insurance carriers, including: Technology Insurance 

Company, Rochdale Insurance Company, Wesco Insurance Company, AmTrust Insurance Company 

of Kansas, Milwaukee Casualty Insurance Company and Security National Insurance Company. 

AmTrust Financial Services provides the financial security you deserve, reflected by the following annual 

financial performance. 

Total Assets 

Gross Written Premiums 

$3,500 

3,116 

3,409 

1200 

1,111 

1,198 

$3,000 

$2,500 

2,321 

1000 

800 

839.4 

$ Millions 

$2,000 

$1,500 

$1,000 

$500 

497.5 

612.9 

1,186.0 

$ Millions 

600 

400 

200 

210.9 

286.1 

526.1 

$0 

2004 2005 2006 2007 2008 2009 

0 

2004 2005 2006 2007 2008 2009 

YEAR 

YEAR 

Net Income 

Net Combined Ratio 

120 

100 

90.1 

82.9 

103.2 

100 

80 

94.8% 

95.1% 

91.9% 

83.2% 

74.4% 

79.8% 

$ Millions 

80 

60 

40 

37.6 

48.9 

% 

60 

40 

20 

14.1 

20 

0 

2004 2005 2006 2007 2008 2009 

0 

2004 2005 2006 2007 2008 2009 

YEAR 

YEAR 



MKT0406 07/10 


AmTrustWorkplace.com 

AmTrust North America provides access to www.AmTrustWorkplace.com, a Web site resource for all policies 

with the Employment Practices Liability Insurance. The Web site provides agents and insureds with the 

information needed to maximize this product offering. 

Informational Articles 

Four articles published weekly on issues vital to the workplace. Topics include: 

• Best practices to avoid liability for sexual harassment, discrimination, retaliation and wrongful 

termination 

• Developing leadership and management skills 

• Healthy lifestyles 

Online Management Training 

Saves time and money. Training modules are provided free of charge to registered organizations: 

• Preventing Workplace Sexual Harassment – includes specific lessons for managers of California 

employees 

• Preventing Workplace Discrimination 

• Preventing Wrongful Termination 

• Promoting Ethical Behavior 

Knowledge Vault 

Reference section of the site provides the insured: 

• Hundreds of articles covering important workplace issues, as well as self-audit checklists 

• Links to important federal and state government Web sites and major employment legislation 

• Model forms, including Incident Report, Reprimand and Commendation 

• Entire Model Handbook – Policies can be downloaded and adapted to meet the needs of your 

organization 

• 11 key policies are also available in Spanish 

Best Practice Help Line 

Opportunity to schedule consultation with an employment expert on areas of risk, such as hiring and 

termination, responding to reports of wrongdoing and crisis management. 





My Workplace 

Restricted section of the site where insured can post information for employees only, such as an employee 

handbook. 

Control Panel 

This is the feature that allows the insured’s site administrator to adapt the site to match the needs of his/her 

organization. The site administrator can: 

• Add or recruit additional users 

• Change the default training settings 

• Upload the organization’s own employee policies into training modules 

Monitor the training progress of the organization’s registered users and download training reports 

For Policyholders 

Register on the site to review the benefits: www.AmTrustWorkplace.com. 

• Click Register Here above the login box 

• Enter the Pass Code/Organization Code: Your AmTrust Policy Number 

• Complete Registration 

Additional Questions 

Visit www.AmTrustWorkplace.com and go to Contact Us to fill out a request. 

Notice: www.AmTrustWorkplace.com is the product of The McCalmon Group, Inc., which is solely responsible 

for its content. 



MKT0419 07/10 


AmTrust 

Workplace FAQs 

Frequently Asked Questions for Employment Practices Liability Insurance 

COVERAGE 

Why do I need employment practices liability insurance 

As part of a sound risk management program, all employers, large and small, need to manage the exposures 

inherent in an employee/employer relationship. They need to establish employment-related policies and 

procedures and an employee handbook. Often, they are required to provide supervisor training on workplace 

and sexual harassment, and they need to be able to navigate through the administrative and legal procedures 

should a claim or complaints arise. The employer needs to be able to transfer the risk of substantial legal 

costs and judgments arising from employment-related claims. These are just some of the reasons you need 

AmTrust Workplace. 

Aren’t small companies exempt from Equal Employment Opportunity Commission (EEOC) 

regulations 

Federal laws for discrimination and harassment only apply to larger employers (15 employees or more), but 

state and local law employee protections may result in liability and compliance issues and associated costs for 

all employers. 

What kinds of complaints are covered 

Alleged sexual harassment and/or wrongful termination and/or (most often) discrimination based on sex, race, 

age, nationality, religion, etc. These complaints often arise because the plaintiff feels that they were turned 

down for a pay raise or unfairly treated, or as a direct result of being terminated. Often the claims will come 

from applicants who allege that discrimination was the main reason that they did not get the job. 

If I never discriminate against my employees why would I need insurance 

A large portion of disputes are frivolous, (something like 60%) and are eventually proved to be false. However, 

the employer must prove their innocence. It is important to note that AmTrust Workplace coverage is a ‘duty 

to defend’ coverage, so we are there to help our clients navigate these situations, frivolous or otherwise. 

The employee is unlikely to fully understand the law and will assume that their definition of unfair treatment 

is always unlawful treatment. Defending these claims can be complicated and costly so you would want a 

qualified insurance firm to aid in this process. 

Aren’t employment practices covered under my General Liability policy 

In the past, many policies covered some elements of employment practices liability (EPL), however, the 

significant rise in both the frequency and severity of these claims has led to blanket EPL exclusions on policies 

designed to cover other perils. 





What’s included in the coverage 

The employer’s defense costs, damages, judgments, settlements and the plaintiff’s statutory attorney fees 

arising out of employment-related discrimination, harassment and inappropriate employment conduct. 

Do you provide coverage for Third Party and Punitive Damage claims 

We will provide this coverage in certain circumstances. Please contact your agent for further details. 

What are the coverage exclusions under the standard coverage form 

See the form, but significantly: 

• Punitive Damages – amounts awarded against an employer that is found to have inflicted intentional harm. 

• Workers’ Compensation – EPL does not cover physical harm to an employee. 

• Prior knowledge – the policy will not cover disputes that are already known to the employer. 

Coverage Requests 

How do I request EPL coverage 

In most states, depending on your class of business, AmTrust will automatically add a limit of $100,000 with a 

$5,000 self-insured retention to your policy. Some classes are excluded and some state requirements will vary 

on the limit and automatic roll-on coverage. Higher limit coverage options are available. Contact your agent for 

specifics. 

Do I have to complete long, complicated applications 

No, for the majority of insureds our application is only one page and is very straightforward. In fact, if the 

coverage is automatically rolled on by the company, no application is needed at all. 

What if I decide I do not want the coverage 

Although we strongly believe that all companies need this protection, if you decide you do not want the 

coverage when it has been automatically rolled on to your policy, just send us a signed rejection form and it 

can be removed. 

Special Services and Claims 

Does the company have any Human Resources tools I can access 

YES! Included in the price of your premium, AmTrust offers an EPL Hotline and an online tool, 

www.AmTrustWorkplace.com. 

What is the EPL Hotline 

The EPL Hotline is a 1-800 number that is managed by Labor Law Specialists who focus in EPL. As an 

insured of AmTrust, you may contact these specialists for free advice on EPL related issues. As an added 

advantage, if you contact the EPL Hotline prior to terminating, demoting, or laying off employees to get advice 

as to the best way to handle these situations and follow the advice given; and then an EPL claim arises out of 

these actions, AmTrust will reduce your self-insured retention by 50%. 

How are the claims handled 

The claims will be handled by dedicated claims adjusters who are specialized 

in EPL, the adjuster will personally contact the insured within 24 – 48 hours 

of a claim notification. 

MKT0420 07/10 




AmTrust Workplace 

AmTrust Workplace is an insurance product specifically designed to protect businesses from employment 

practices liability (EPL) exposure. Recent statistics point to a growing trend in discrimination and wrongful 

termination claims among small businesses, particularly as it correlates to economy-driven mass layoffs 

nationwide. Meanwhile, the median cost to defend employment practices lawsuits combined with the median 

jury awards on these types of claims has escalated to well over six figures, leading many employers to seek 

protection via EPL coverage. Find out more information by visiting www.amtrustworkplace.com. 

Coverage 

• Coverage for all employees (including full-time, part-time, seasonal, temporary, volunteers, as well as 

dedicated independent contractors) 

• Claims made and reported form 

• Definition of an insured event includes: 

o Discrimination 

o Sexual harassment 

o Wrongful termination/demotion/discipline 

o Failure to hire/promote/fire/demote 

o Wrongful infliction of emotional distress 

o False imprisonment/detention, malicious prosecution 

o Libel, slander, defamation of character, invasion of privacy 

• Standard and enhanced coverage options 

• Enhanced version includes inappropriate third party conduct and punitive damages 

Product Advantages 

• Automatically added on class-qualified policies 

• 15% Commission 

• Straightforward underwriting rules 

• Competitive pricing 

• No minimum premium 

• Dedicated claims handling 

o Personal contact within 24-48 hours of a claim notification 

• When we control defense, the costs are 35% less than when a policyholder selects their own 

defense counsel 

• Risk management Web site for agents and insureds 

• Self-insured retention reduced by 50% for termination / demotion 

claims if prior consultation of EPL hotline or approved labor law attorney 





Features for Rates 

• Supplemental application will be required, and rates are subject to surcharges: 

o For limits of $500,000 and upwards 

o Enhanced Coverage Requests (Third Party/Punitive Damages) 

o Prior Acts Coverage 

• Excluded Classes: 

o Employee Benefit Funds 

o Entertainment Industry 

o Household Staff 

o Financial Industry (Banks/Credit Unions/Stockbrokers) 

o Staffing Companies 

• No Third Party Coverage for: 

o Education Industry 

o Golf /Country Clubs 

o Municipalities 

o Not-for-Profit Companies 

o Publishing Companies 

o Religious Entities 

o Casinos 

o Social Service Agencies 

Support Tools 

• Online training on preventing sexual harassment that meets the legal requirements of CA, MN, 

ME and HI 

• Additional online training on employee terminations and preventing employee discrimination 

• Information on compliance with wage and hour laws 

• Customizable employment policies and procedures available in English and Spanish: 

o Example Employee Handbooks 

o HR Policies 

o Procedure Manuals 

o FAQs 

o These services are not compulsory but are recommended and 

kept up-to-date should you choose to use them. 



MKT0411 07/10 


Commission Rates 

As an AmTrust agent, you’re not only treated to great service and support, you also get great commission 

rates. Listed below are the current competitive commission rates offered to AmTrust agents. These lucrative 

percentage rates are offered in addition to AmTrust’s easy-to-use online quoting system and personalized 

customer support. 

20% – Commercial Package and General Liability policies in the states of Illinois, Indiana, Iowa, Minnesota, 

Nebraska, North Dakota, Ohio, South Dakota and Wisconsin 

17.5% – New Trin-pac ® policies 

15% – Commercial Automobile policies 

– Commercial Umbrella policies 

– Commercial Package policies (in most states) 

– Farm and Ranch policies 

– General Liability policies (in most states) 

– Renewal Trin-pac ® policies 

9% – All new and renewal Workers’ Compensation policies 



MKT0410 07/10 



Top Ten Classes 

AmTrust North America has strategically focused on being a niche insurance provider for small to mid-size 

businesses. While we write many different classes of business, over the years we have found that there are 

some business classifications we consider to be our top ten preferred classes. These are classes of business 

that we have successfully written, meaning success for: 

• Insureds through competitive pricing, superior coverage enhancements, loss control expertise and 

professional, timely and fair claim settlement. 

• Agents by way of dedicated, experienced and professional underwriting staff, contract exclusivity, 

state-of-the-art automation and superior service. 

• AmTrust North America through long-standing and committed profitable relationships with agents 

and insureds. 

Our top ten classes include: 

• Auto Repair Shops 

o Proper storage and use of all flammable solvents and cleaners 

o UL approved spray booth required for painting 

o UL approved storage cabinets for all flammables 

o UL approved containers for disposal of soiled rags 

• Building Owner – Lessor’s Risk Only (LRO) 

o Since tenants directly expose our insured, all tenants must meet UBI underwriting criteria for both 

Property and General Liability 

o Tenants who provide our insured with annual certificates of insurance and additional insured status as 

building owner 

o An occupancy rate of 75% or better 

o Restaurant tenants must have private protection. All cooking surfaces or appliances producing grease-laden 

vapors must be protected by a fixed hood and duct with a UL300 wet chemical extinguishing system. There 

must also be a service contract and class K manual fire extinguisher. 

• Distributors 

o Adequate risk transfer from manufacturers or suppliers in favor of our insured. AmTrust prefers to avoid direct 

foreign importers as risk transfer back to the point of origin in these situations is not economically practical. 

o Good housekeeping and stock arrangements 

o Good fleet management program 

• Grocery Stores 

o Interior and exterior walking surfaces free of slip and fall hazards 

o Regular and documented sweep program 

o Well maintained building and equipment with COI from any subs 

o Refrigeration equipment in good condition and well maintained 

o Adequate snow removal plan (where applicable) 





• Hotels 

o Franchised, business-traveler hotels 

o Interior room access with key card entry 

o Buildings 4 stories or less that meet current NFPA requirements for life safety 

o Building ages of 15 years old or less for frame construction and 40 years old or less for all other 

construction types 

o Frame structures must have automatic sprinklers 

o Average occupancy rating of 50% or better 

o Average nightly room rate of $79 or better 

o Restaurants must have private protection. All cooking surfaces or appliances producing grease-laden vapors 

must be protected by a fixed hood and duct with a UL300 wet chemical extinguishing system. There must 

also be a service contract and class K manual fire extinguisher. 

• Light Manufacturing 

o 100% of work done to customer specs 

o Proper welding and cutting safeguards 

o Documented quality control program 

o Modern shops with CNC equipment is preferred 

• Laundry / Dry Cleaners 

o Dry Cleaning facilities with dry-to-dry or closed-loop cleaning processes 

o Well maintained steam boiler and associated processing equipment 

o Minimal storage of valuable garments with proper safeguards 

• Restaurants 

o Minimum 3 years in business 

o Building ages of 15 years old or less for frame construction and 40 years old or less for all other 

construction types 

o Liquor sales not to exceed 50% of total sales 

o All cooking surfaces or appliances producing grease-laden vapors must be protected by a fixed hood and duct 

with a UL300 wet chemical extinguishing system and class K manual fire extinguisher 

• Retail / Office 

o Independently owned and operated or franchise stores 

o 1 – 10 locations 

o Adequate burglary protection for the class of commodity 

o Well kept and established offices 

o We do avoid politically and socially sensitive type occupants 

o Virtually all retail operations from appliances to variety stores 

o Excellent results in doctors, dentists and all types of professional office occupancies 

• Wood Product Manufacturing 

o Fixed duct collection system with exterior bag-house 

o Excellent housekeeping with daily shop sweep-up, monthly blow-downs 

o Spark arrestors in the duct work when required 

o UL approved spray booths when petroleum-based finishes or painting is done 

o Storage or disposal of all flammables, soiled rags or applicators into UL approved safety containers 



MKT0407 04/10 



Authority 

AmTrust North America, through its wholly owned insurance carriers, underwrites commercial package 

insurance in over 30 states. 

Authorized states are highlighted below in light blue: 



MKT0408 04/10 



Submission / Loss Run 

Requirements 

Submission Requirements 

For underwriting review, provide the following information: 

• Complete ACORD application including insured’s FEIN and a good description of operations 

• Any appropriate narrative that clarifies the operation and experience of the risk 

• Loss runs as described in this document 

Underwriting Guidelines 

To be eligible for consideration, each risk must have: 

• Loss ratio less than 40% in the experience period (calculated by average annual losses divided by 

quoted premium) 

• Generally 3 years in business 

Loss Run Requirements 

• Our preferred submission guidelines require that you submit the current year plus the past 3 years 

of loss runs 

• If the preferred submissions information is not available, contact Underwriting for qualifying exceptions 

to our preferred submission guidelines. 



MKT0409 04/10 



Fine Dining 

AmTrust North America provides coverage tailored to fine dining establishments that meets the commercial 

package and workers’ comp needs of restaurateurs. AmTrust’s Fine Dining Program exceeds standard 

coverage levels and is available to both single and chain restaurants. Find out specific information about 

property, liability and workers’ comp coverage levels and enhancements, as well as the latest updates on 

AmTrust’s filing status in your state by calling 1.877.528.7878. 

Coverage 

• Coverage can be for single restaurants or fine dining chains 

• Property and Liability enhancement endorsements 

• Selling price for stock including fine wines/liqueurs 

• Food borne contamination 

• Spoilage 

• Valet parking 

• Peak Season coverage 

• Liquor Liability available as part of package 

• Umbrella limits available to include or exclude Liquor Liability 

• Not available in all states (see www.amtrustnorthamerica.com for exclusions) 

Eligibility 

• Entrée cost $20 or more 

• Full service, i.e., wait staff and orders taken from seated patrons 

• Frame construction must be fully sprinklered with maintenance contract 

• Automatic extinguishing system at NFPA#96 with semi-annual maintenance contract 

• No dance floors or live entertainment unless in private banquet rooms 

• Off-premise catering or alcohol service must not exceed 15 percent gross receipts 

• Sales of condiments, foodstuffs, or other items must not exceed 15 percent of total receipts 

Required at Submission 

• ACORD applications 

• AmTrust supplemental fine dining restaurant application 

• Minimum three years plus current year loss runs 

• Copy of menu and copy of wine list (if applicable) 

• Service contract for semi-annual service to automatic suppression system 



MKT0410 07/10 



Farm & Ranch 

The farm and ranch industry is a specialized niche served by AmTrust North America. Our emphasis is on the 

updated and well-managed, family-owned farm covered by our Farm and Ranch Owners Policy, providing 

complete farm and ranch coverage with needed pricing and coverage capacity. Target farm classes are: 

• Field crops - no acreage maximum 

• Livestock 

• Fruit, vegetables and nuts 

• Orchards and vineyards 

• Dairies 

• Wholesale nurseries and sod farms 

Eligible exposures for above-average accounts: 

• Newer log homes 

• Homes up to $1,000,000 

• Newer manufactured homes 

Other lines of business available: 

• Farm auto 

• Farm umbrella 



MKT0412 04/10 



Lumber Specialty 

Division 

AmTrust North America offers commercial package insurance to insureds involved in the wood products industry. 

This includes distributors of building materials and the primary and secondary manufacturers of wood products. 

Targeted Classes: 

• Sawmills, Planing and Dimension Mills 

• Kitchen Cabinet Manufacturers 

• Veneer and Plywood Manufacturers 

• Pallet Manufacturers 

• Millwork Manufacturers 

• Truss and Laminated Beam Manufacturers 

• Wood Preservers 

• Building Material Dealers and Distributors 

• Lumberyards 

Eligibility: 

• Accounts with three-year loss ratio below 40% 

• Financially secure insureds 

• No major changes in operation in past three years 

• Accounts with involved, responsive and on-site ownership 

• Accounts in business for more than three years 

For more information about property, general liability and automobile coverage levels and enhancements 

contact your local AmTrust marketing representative or visit www.amtrustnorthamerica.com. 



MKT0412 04/10 



Preferred / Eligible Classes 

AmTrust North America has strategically focused on being a niche insurance provider for small to mid-size 

businesses. While we write many different classes of business, over the years we have found that there are 

some business classifications we consider to be our top ten preferred classes. These are classes of business 

that we have successfully written, meaning success for: 

• Insureds through competitive pricing, superior coverage enhancements, loss control expertise and 

professional, timely and fair claim settlement. 

• Agents by way of dedicated, experienced and professional underwriting staff, contract exclusivity, 

state-of-the-art automation and superior service. 

• AmTrust North America through long-standing and committed profitable relationships with agents 

and insureds. 

Our top ten classes include: 

• Beauty Shops, Barber Shops or Hairstyling Salons 

• Buildings - Operations by Owner or Contractor 

• Grocery Stores 

• Hotels 

• Machine Shops - Light Metalworking 

• Private Schools 

• Professional Offices 


• Retail Stores 

• Wholesale Stores 





Eligible Class Codes (This list represents only a sampling of eligible classes.) 

• Attorneys 

• Auto Repair and Service 

• Bakeries 

• Bar, Lounge or Tavern 

• Breweries 

• Cabinet Installers 

• Cabinet Makers 

• Cloth Printing & Manufacturing 

• Clubs 

• Colleges 

• Concrete & Cement Work 

• Concrete Products 

Manufacturing 

• Convenience Stores 

• Dentists 

• Electricians 

• Food Processors 

• Furniture Assembly & 

Manufacturing (Wood) 

• Gas Stations 

• HVAC Contractors 

• Janitorial Services 

• Land Grading 

• Laundry & Dry Cleaners 

• Metal Manufacturing 

• Nurseries 

• Physicians 

• Plastic Manufacturing 

• Plumbing 

• Printing 

• Residential Artisans 

• Storage Warehouse 

• Textile Manufacturing 

Excluded Class Codes 

AmTrust is generally not a market for General Contractors, Trucking or Transportation, Farming, Temporary 

Labor, Professional Employer Organizations, Nursing Homes, Home Health Care, Fast Food Delivery, Heavy 

Construction, Operations involving work at heights or other high-hazard operations. 

Visit www.amtrustnorthamerica.com for a complete list of eligible and excluded classes. 



MKT0413 04/10 



Authority 

AmTrust North America, through its wholly owned insurance carriers, underwrites workers’ compensation 

insurance in more than 40 states. 

Authorized states are highlighted below in light blue. 



MKT0414 04/10 



Submission / Loss 

Run Requirements 


For underwriting review, provide the following information: 


• A premium schedule from our Web site with the premium you need 

• A completed questionnaire from our Web site 


• Loss runs as described in this document 


To be eligible for consideration, each risk must have: 

• At least one full-time employee (in addition to the owners) generating a premium of $500 

• Fewer than 75 employees at a single location at the same time 

• Loss ratio less than 40% in the experience period (calculated by average annual losses divided by 

quoted premium) 

• Generally 3 years in business with workers’ compensation coverage and loss run history 

Loss Run Requirements 

New Ventures 

For new ventures—businesses with no prior coverage or businesses with less than 3 years prior coverage— 

the businesses must: 

• Employ one full-time employee other than the owner(s) 

• Fall within one of the eligible business operations listed below 

Eligible business operations: 

• Professional Office Exposures 

o Doctors 

o Dentists 

o Lawyers 

o Accountants 

o Insurance agents 

o Computer programmers 

o Consultants with primarily office exposures 

• Beauty & Barber Shops/Salons, etc. 

• Retail Store Operations 

o Sale of new merchandise 

o Close at 9:00 p.m. 

o No delivery 






o Liquor receipts less than 50% of total receipts 

o Not open past midnight 

• Laundry/Dry Cleaning with no vehicle exposure 

• Motels: Franchised 

o Must have at least one full-time employee other than owner(s) 

o Targeting fewer than 12 employees unless part of a franchise program 

Businesses with Prior Coverage: 

• For retail stores, professional office exposures, motels, restaurants, laundries and beauty shops: 

o Our preferred submission guidelines require that you submit the current year plus the past 

three loss runs. 

o If the “preferred submissions” information is not available, AmTrust will accept the following: 

n Premiums under $5,000: 

n Current year loss run 

n Loss statement for prior years if loss runs not available 

n If bureau promulgated merit credit: 


n Premiums between $5,000 and $25,000: 

n If experience modification is less than 1.00 


n If experience modification is greater than 1.00: 

n Current year and prior three years loss runs 

OR 

n Current year loss run and experience modification worksheet 

For All Other Risks: 

• Loss runs for current year and three prior complete years 

OR 

• Loss runs for current year plus the experience mod worksheet 

• Consideration will be given for risks in business a minimum of three years with prior coverage 



MKT0415 04/10 



CyberComp TM 

CyberComp is a web-based workers’ compensation application and policy processing system that 

allows agency representatives to efficiently submit workers’ compensation policies without interaction from 

underwriters. This bind online workers’ compensation insurance product is available to select AmTrust agents 

upon approval. 

CyberComp policies with a WCX or WCA prefix were written prior to AmTrust acquiring the company. 

For more information about these policies, visit www.cybercomplegacy.com. For more information about 

CyberComp, call the customer service line at 866.535.6412 or visit www.amtrustnorthamerica.com. 


For underwriting review, retain the following information: 


• A completed questionnaire from our Web site 



To be eligible for consideration, each risk must meet the following criteria: 

• One of more than 350 eligible classifications across all major industry groups, including manufacturing, 

construction, wholesale / retail, service, office / clerical 

• Max Annual Premium for all classes – $60K for new business; $100K for renewal cap 

• Competitive pricing through schedule rating program with credits up to 25% 

• New and renewal business experience mods of 1.35 or less are eligible 

• Multi-state availability, up to seven states per account 

Claims 

For Policies with a “WCX” or “WCA” Prefix: 

To submit notice of a claim, call 800.416.4371. 

Go to www.cybercomplegacy.com to access policy information on non-AmTrust carriers (Westport, North American Specialty and 

North American Elite Insurance Companies). 





For All Other Policy Prefixes: 

In the unfortunate event that a work injury occurs, rest assured that we will be with you every step of the 

claims process. Through our vast experience of claims handling, we know that partnering with the employer 

and physician helps all parties involved. As soon as a work injury is reported, our dedicated claims adjuster 

manages the process from start to finish. The claims adjuster: 

• Confirms coverage 

• Investigates the work injury thoroughly 

• Monitors the appropriate medical treatment plan 

• Facilitates a return-to-work program 

• Negotiates a settlement 

To file a first injury report: 

Call – 866.272.9267 

Fax – 877.669.9140 

E-mail – AmTrustclaims@qrm-inc.com 

Web – www.amtrustnorthamerica.com/claims 

Audits 

For Policies with a “WCX” or “WCA” Prefix: 

Visit www.amtrustnorthamerica.com for a Notice of Audit Dispute Form 

Phone: 866.266.8535 

E-mail: premium_audits@swissre.com 

Fax: 913.676.5572 

Mail: Swiss Re 

Premium Audit Department 

5200 Metcalf Ave. 

Overland Park, KS 66201 

Attn: OPM212 

Go to www.cybercomplegacy.com to access policy information on non-AmTrust carriers (Westport, North American Specialty and 

North American Elite Insurance Companies). 

For All Other Policy Prefixes: 

Visit www.amtrustnorthamerica.com for a Workers’ Compensation Audit Worksheet Request or Notice of 

Audit Dispute Form. 

Phone: 877.528.7878 

E-mail: submissions@amtrustgroup.com 

Fax: 800.487.9654 

Mail: AmTrust North America 

Premium Audit Department 

P.O. Box 31330 




MKT0416 06/10

Small Business Insurance Solutions - AmTrust North America

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