Source: AmTrust — Small Business Insurance
AmTrust Financial Services: General Contractors Insurance Appetite
AmTrust writes workers' comp and GL for small contractors but does not offer the full construction package that Travelers or CNA provides. Their sweet spot is the small GC or artisan contractor with under 50 employees who needs WC and GL without the complexity of inland marine, builders risk, or high umbrella limits. Use AmTrust as a competitive WC quote alongside a construction-specialty carrier that can handle the full account. For larger or more complex contractor accounts, Travelers remains the stronger primary market.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers' comp for small contractor operations with 1-50 employees
- GL program covering artisan and general contractor class codes
- Commercial auto for contractor fleets with light-to-medium vehicles
- Pay-as-you-go WC billing helpful for project-based payroll fluctuations
Limitations
- No inland marine or builders risk — refer to Travelers or CNA for those lines
- Heavy civil and infrastructure contractors exceed AmTrust's small business focus
- No umbrella or excess liability for contractor accounts — will need a separate market for higher limits
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