AmTrust Financial Services is a multinational insurance holding company that has established itself as a prominent player in the small-to-mid-sized business insurance market. Founded in 1998 and headquartered in New York City, AmTrust grew rapidly through strategic acquisitions and organic expansion to become one of the larger specialty commercial insurers in the United States and internationally. The company operates across a wide range of commercial lines, with a particularly strong reputation in workers’ compensation, where it has become one of the leading writers in the country for small businesses. AmTrust is backed by strong financial ratings and serves policyholders across dozens of countries through a network of subsidiaries and carrier partners.

Beyond workers’ compensation, AmTrust offers a broad portfolio that includes general liability, commercial auto, property, professional liability, and specialty lines coverage. The company is especially well regarded among independent agents and brokers for its appetite for small business risks that larger carriers often overlook or underwrite too conservatively. AmTrust has also invested significantly in technology and digital tools to streamline the quoting and binding process for agents, which has helped it build strong distribution relationships across the country. While the company went private in 2018 after being taken over by its founding Karfunkel family, it continues to operate as a major force in the commercial insurance space, known for its broad market appetite, competitive pricing, and commitment to the small business segment.