CARRIER PARTNER
AmTrust Workers’ Compensation Insurance
One of the largest small-business workers’ comp specialists in the country — quoted head-to-head with our full carrier lineup.
Founded
1998
AM Best Rating
A- (Excellent)
Best For
Small business & niche classes
Pay-As-You-Go
Yes
About AmTrust
AmTrust Financial was founded in 1998 and built its business on one thing: workers’ compensation for small, main-street employers. It has grown into one of the largest small-business comp writers in the U.S., with appetite for hundreds of class codes many standard carriers avoid.
That niche focus is AmTrust’s edge. Restaurants, salons, auto shops, small contractors, retail stores, and service businesses that get declined or surcharged elsewhere often find AmTrust genuinely wants the account — with quick online quoting and policy issuance to match.
Why businesses choose AmTrust
Small-business specialist
Purpose-built for low- to mid-hazard small businesses — often writing single-employee accounts and new ventures that big carriers pass on.
Broad class appetite
Hundreds of eligible class codes, including niches like restaurants, salons, auto repair, janitorial, and light contracting.
Fast quote-to-bind
Modern submission platform means many accounts quote same-day and bind electronically — helpful when a certificate is holding up a job or lease.
Pay-as-you-go ready
Payroll-linked billing that suits businesses with seasonal staff or fluctuating hours.
Billing and pay-as-you-go options
AmTrust offers installment plans and pay-as-you-go billing that syncs premium to actual payroll, which fits the seasonal and variable-hour businesses it specializes in. Down payments are typically modest, and audits are simpler when premium has tracked real payroll all year.
Who AmTrust fits best
AmTrust is often the winning quote for small employers in service, hospitality, retail, and light-trade classes — especially newer businesses or those with a claim in their history. Larger accounts and heavy construction usually price better with our national carriers, which is why we always show you both.
Is AmTrust the right carrier for your business?
No single carrier wins every class code in every state. As an independent agency, we quote AmTrust head-to-head against the rest of our carrier lineup — so you see who actually prices your payroll best.
AmTrust workers’ comp FAQs
Is AmTrust a good workers’ comp company?
AmTrust is one of the largest small-business workers’ compensation specialists in the U.S., rated A- (Excellent) by AM Best. It is particularly competitive for restaurants, salons, shops, and other main-street businesses, including single-employee accounts.
Does AmTrust offer pay-as-you-go workers’ comp?
Yes. AmTrust supports pay-as-you-go billing tied to your actual payroll, along with traditional installment plans — a good fit for seasonal businesses and variable schedules.
How do I get an AmTrust quote?
Provident Financial Group quotes AmTrust alongside a dozen other carriers with one application. Call 866-964-6660 or request a quote online and we’ll show you the comparison.
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