AmTrust Insurance Through an Independent Agency: Coverage and States

AmTrust coverage and states available through our agency

The table shows each AmTrust coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

About AmTrust

AmTrust built its business around small employers. Through our agency it is a workers’ compensation option in the states listed in the table above. Workers’ compensation rules differ by state, so tell us where your employees work when you send a request.

• Founded: 1998.
• Headquarters: New York, New York.
• Known for: Workers’ compensation for small businesses. AM Best describes AmTrust as the third-largest workers’ compensation writer in the United States, with about a 6% market share.
• Financial strength: Rated A- (Excellent) by AM Best, which revised the outlook on AmTrust’s ratings to positive in October 2026.
• Also writes: Business owner’s policies, general liability and other small-business coverage.

Company details checked November 2026. Ratings and ownership can change, so confirm current information with the insurer or the rating agency. Blake Insurance Group is an independent agency and is not owned by AmTrust.

Sources

• AM Best: outlooks revised to positive for AmTrust Group’s members, October 2026
• Insurance Journal coverage of the AM Best action, October 15, 2026

How to request a AmTrust quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the business operates.
• A licensed agent reviews whether AmTrust is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.
• See other insurers our agency can quote for similar coverage. Attune, Cover Whale, Hanover, biBerk, Pie, Next, Chubb Commercial, Great American.

Who AmTrust is

AmTrust Financial Services is a New York-based insurance group. It writes business through many member insurers. AM Best's October 2026 release names 21, including:

• AmTrust Insurance Company.
• Technology Insurance Company, Inc.
• Wesco Insurance Company.
• Security National Insurance Company.
• Associated Industries Insurance Company.
• Developers Surety and Indemnity Company.
• Republic Underwriters, Milford Casualty and CorePointe.

We couldn't verify AmTrust's ultimate ownership.

Workers' compensation is its main product on First Connect, which says AmTrust serves more than 500,000 small businesses.

Several AmTrust member names may be unfamiliar. Technology Insurance Company and Wesco Insurance Company are two examples. If your policy carries one of those names, it's still an AmTrust Group insurer under the same AM Best rating action.

AmTrust's AM Best rating

In mid-October 2026, AM Best affirmed AmTrust's ratings for more than 20 member insurers:

• Financial strength rating: A- (Excellent).
• Issuer credit rating: "a-".
• Outlook: revised to positive, according to Insurance Journal and InsuranceNewsNet.

One paragraph in the InsuranceNewsNet copy contradicts itself on the outlook direction. So check AM Best directly for the current outlook. A positive outlook means AM Best sees a chance the rating could rise.

An A- rating is in AM Best's "Excellent" category. AM Best rates each member insurer, so check the specific company named on your policy. The rating was affirmed for more than 20 of them in October 2026.

What AmTrust offers through First Connect

• Workers' compensation, its main product on the platform.
• Business owner's policy (BOP), which went live on First Connect with training dated September 1, 2026. First Connect says a discount applies when it's written with workers' comp.

According to the First Connect carrier directory, workers' comp is listed in 43 states plus DC. Ohio and Washington aren't listed. Those are monopolistic states, where workers' comp is bought through a state fund. Texas and several other states aren't listed either.

How AmTrust sells

AmTrust sells through agents. First Connect says AmTrust returns underwriting decisions by the next business day.

Pairing a BOP with workers' comp lets a small business keep two core policies with one insurer group. That can simplify billing and renewals. But compare each policy on its own merits, too.

AmTrust has an Italian affiliate, AmTrust Assicurazioni. It's rated separately and isn't relevant to US buyers.

Why the state matters for workers' comp

Workers' comp rules are set state by state. Each state decides who must carry it, what it covers and how claims work. A policy has to meet the rules of the state where your employees work.

In a few states, private insurers can't sell workers' comp at all. Ohio and Washington are two of them, and neither is on AmTrust's First Connect list. If you have employees there, you'll deal with the state fund.

If you have workers in more than one state, tell your agent. The policy needs to cover each one.

What to check before you buy AmTrust

• Which member insurer. Your policy will name one of AmTrust's 20-plus companies.
• The outlook. Check AM Best for the current rating and outlook.
• Your states. Confirm every state where you have employees is covered.
• Payroll and class codes. Make sure they're accurate. They drive your workers' comp policy.
• The BOP pairing. If you add a BOP, confirm it fits your business on its own.
• Next-day decisions. If you need coverage fast, ask your agent about AmTrust's turnaround.

AmTrust FAQs

Your next step

Send a request and a licensed agent will check AmTrust and other options available to you.