AmTrust Financial Services es una compañía especializada en seguros de propiedad y accidentes con casi 6000 empleados en todo el mundo. Hemos crecido hasta convertirnos en un proveedor de seguros líder en la industria, centrándonos en soluciones de seguros para pequeñas empresas con énfasis en la compensación de trabajadores. Estamos calificados como “A-” (Excelente) con un tamaño financiero de “XV” por AM Best.
AmTrust se ha definido por un espíritu emprendedor e innovador desde sus inicios. Es la combinación única de la gente y la cultura de AmTrust, nuestra visión, misión y valores fundamentales lo que continuará diferenciándonos a medida que labramos nuestro éxito futuro.
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Business Auto
What is Transportation Insurance?
Every day millions of trucks traverse America’s roads and highways, transporting the products that keep the economy moving. With 72.5% of all freight by weight in the United States carried by trucks, insurers play a crucial role in an industry that employs millions of people and keeps our shops and warehouses stocked.
AmTrust’s Commercial Transportation Insurance coverage provides both large and small truck fleet owners with the peace of mind they need to keep freight moving quickly and on time. Our fleet and Transportation Insurance coverage line options offer major benefits that agents trust to keep fleet owners across the country protected.
What Types of Transportation Insurance is Available?
Our preferred exposures are generally low risk, such as dry van, cargo, intermodal and refrigerated trucks. We avoid riskier exposures such as cattle and livestock, garbage haulers, and sand and gravel trucks. Focusing on low-risk exposures helps keep our premiums competitive while also maintaining profitability for our company and our agents.
The product we offer can also be tailored to fit the demands of individual fleets. We provide $1 million Combined Single Limit auto liability for fleets with the ability to write up to $2 million. Additionally, while our maximum coverage for motor truck cargo is $500,000, we can customize this figure for loads that are valued lower. Our full line of coverage for both large and small fleets includes:
Auto Liability
Auto Physical Damage
General Liability
Motor Truck Cargo
Trailer Interchange
Hired/Non-owned
Preferred Exposures for Transportation Insurance
We focus on providing insurance to low and medium-risk businesses. Low-risk exposure provides more financial stability, which lets us offer competitive commission rates for our appointed agents and lower fees for our policyholders. Our preferred exposures for transportation coverage are:
Dry van
Intermodal
Less than truckload (LTL)
Liquid and dry tanker operations
Local cartage
Refrigerated
Truckload carriers
Ineligible Exposures for Transportation Insurance
The types of exposures are ineligible for AmTrust Transportation Insurance:
Cattle and livestock
Garbage haulers
House/mobile homes
Sand and gravel/in-transit ready mix
Wrecker/junk auto haulers
What is Commercial Inland Marine Coverage?
Inland Marine Insurance is another type of coverage used in the transportation industry. The name might be confusing and contradictory, but it is important coverage for transportation companies. Commercial Inland Marine Insurance covers any property that is movable, transportable, or involved in transferring information. Here are just a few of the things that Inland Marine insurance might cover:
Contractor’s equipment
Valuable artwork, like paintings, photographs, and sculptures
Transportation equipment such as food trucks or cargo vans
Mobile tools and equipment for construction, landscaping, etc.
Property in transit like construction tools and supplies
Computer equipment, including servers and laptops
Communication equipment and networking tools
Scientific and medical equipment
D&O, E&O, EPLI, Cyber
Featured Class: Real Estate Agencies
The professional services industry generates over $2 trillion to the U.S. economy annually and employs nearly 10 million workers. Businesses categorized as office workers and professional services industries include real estate offices, architectural or engineering firms, medical and dental offices and IT consulting services. From employee or customer injuries to property or equipment damage, professional services companies face a myriad of unique risks that can reduce productivity and ultimately revenue.
Watch our video to see how AmTrust provides excellent service for realtors.
You Built Your Business One Client at a Time.
Let AmTrust Protect it.
AmTrust Insurance Covers Offices and Professional Services
AmTrust provides coverage tailored to the needs of office & professional services companies. Our office and professional services industry insurance policies can be written as a package or as a monoline.
Workers’ Compensation
Workers’ Compensation Insurance protects your contractor business and workers by providing benefits to employees injured in the workplace. 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.
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General Liability
General Liability Insurance provides coverages for contractors for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injury on the business’s premises or on-the-job site. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.
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Commercial Property
Commercial Property Insurance is crucial for your contractor business. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).
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Commercial Auto
Commercial auto coverage is designed to protect contractor businesses of all sizes from litigation related to automotive incidents, including auto collision, an unloading accident, or a new work truck stolen from the parking lot.
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Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) coverage protects professional service organizations in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.
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Cyber Insurance
Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred as a result of data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.
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Middle Markets - Small Commercial
Small Business Insurance for Retail Stores
The retail industry faces hazards that can lead to injuries, illnesses, property damage, loss of income and more. Retail store owners need customized small business insurance coverage to protect them from the unexpected.
What is Retail Business Insurance?
Retail sales in the United States continue to grow, with sales totaling over $6 trillion dollars in 2021. Both ecommerce and in-store sales have increased, however, in-store sales have been climbing even more as the world rebounds from the COVID-19 pandemic. Employees of retail stores face various risks as they complete their daily duties, from slip and fall hazards to ergonomic injuries.
Retail is one of the key industries that AmTrust writes, and we make it our priority to provide the customized small business insurance solutions your retail operation needs to thrive. Protect your retail business with a tailored policy created specifically for your needs.
Types of Retail Insurance Coverages
AmTrust provides coverage tailored to the needs of retail companies. Our Retail Insurance policies can be written as a package or monoline.
Workers’ Compensation
Workers’ Compensation Insurance protects your contractor business and workers by providing benefits to employees injured in the workplace. 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.
Learn More
General Liability
General Liability Insurance provides coverages for contractors for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injury on the business’s premises or on-the-job site. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.
Learn More
Commercial Property
Commercial Property Insurance is crucial for your contractor business. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).
Learn More
Commercial Auto
Commercial auto coverage is designed to protect contractor businesses of all sizes from litigation related to automotive incidents, including auto collision, an unloading accident, or a new work truck stolen from the parking lot.
Learn More
Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) coverage protects professional service organizations in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.
Learn More
Cyber Insurance
Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred as a result of data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.
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Business InterruptioinBusiness Interruption: If an unforeseen event such as a storm or cyber attack interrupts the way your store does business, business interruption coverage can help replace the money you may have lost during your downtime.
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Businessowners PolicyBusinessowners Policy (BOP): A type of commercial insurance that bundles individual coverages, such as general liability and commercial property, into one policy.
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Non-Profit
Why Choose AmTrust for Nonprofit Insurance
With access to our large portfolio of competitively priced nonprofit specialty insurance products and services, AmTrust agents are uniquely able to address the special challenges that nonprofits and government employers face. AmTrust Nonprofit Insurance provides all lines of insurance coverage specifically tailored to the needs of nonprofit organizations.
AmTrust acquired First Nonprofit Insurance Company in 2013, quickly making us a dominant player in the nonprofit insurance field. Currently, more than 3,300 nonprofit and governmental organizations, employing hundreds of thousands of people, rely on AmTrust for their insurance needs.
Coverage
With a comprehensive suite of coverages, our appointed agents have the confidence and flexibility to offer their nonprofit clients the perfect insurance solutions to help support their respective missions.
small house
What Does Nonprofit Insurance Cover?
AmTrust’s nonprofit specialty program provides targeted coverages to meet the needs of the nonprofit community. No other nonprofit insurance company brings the dedication and experience we have to your nonprofit clients.
Our Nonprofit Insurance lines include:
General Liability
Property
Professional Liability
Management Liability
Automobile
Umbrella
Directors and Officers Liability
Workers’ Compensation
test
Submission Requirements
All pertinent ACORD and supplemental applications, we also accept other carriers’ applications
Audited year-end financial statement (or Form 990 if the organization does not have a year-end statement)
Loss history for the last five years
Schedule of drivers and vehicles, including VINs and seating capacity
Workers Compensation
Choosing AmTrust for Workers’ Compensation Coverage
AmTrust and our agents recognize the importance of flexibility in today’s business environment. We work closely with our agents and the small and mid-sized businesses they serve to design the specific packages they need to comply and succeed. With an A- (Excellent) rating by A.M. Best, AmTrust Financial always seeks to deliver superior services at a rate that’s both fair and affordable.
6 things to know about AmTrust’s Workers’ Comp Insurance
workers comp
Why Does Your Small Business Need Workers’ Compensation Insurance?
Workers’ compensation insurance is vital for small businesses because it helps them cover the cost of medical expenses and lost wages for injured workers. Small businesses need workers’ comp because:
In most states, workers’ compensation insurance is a requirement
A major claim can have a devastating financial effect on your business operations
Workers’ compensation helps protect your most valuable asset – your workforce
How Does Workers’ Compensation Insurance Work?
A Workers’ Compensation policy from AmTrust Financial helps protect your business and your employees from a workplace injury. Here’s how Workers’ Compensation Insurance from AmTrust works:
Your injured or sick employee seeks medical help and you submit a workers’ compensation claim with AmTrust, providing details of the incident and the necessary information.
Our claims experts review your submission and upon approval, your injured employee begins to receive benefits that cover their medical expenses, rehabilitation costs and lost wages while they are medically unable to work.
You get back to running your business successfully while your injured employee is on the mend, knowing we’ve got you covered.
woman gardening
hard hat workers
How Do I Get Workers’ Compensation Insurance and How Much Does It Cost?
An experienced agent, like an AmTrust Financial-appointed agent, can walk you through the buying process and help you understand the various laws, class codes and underwriting involved with workers’ compensation insurance.
The average cost of workers’ compensation will depend on many factors, including the number of employees, annual payroll, specific occupation and the rate classification of the business.
Examples of Workers’ Compensation Claims
A few common examples of small business workers’ compensation claims include:
Slip and fall incidents
Overexertion or heavy lifting accidents
Falls from high areas
Struck by or against objects
Machinery accidents
Fires or explosions
Transportation incidents
Exposure to dangerous chemicals, substances or environments
Workplace violence
