Source: AmTrust — Workers' Compensation
AmTrust Financial Services: Manufacturing Insurance Appetite
AmTrust writes workers' comp for light manufacturing operations — think small machine shops, food production, assembly operations, and packaging companies. Their WC pricing is competitive for manufacturing class codes with clean loss histories, but the product liability and property coverage is basic compared to what CNA or Travelers offers. For accounts that need broad product liability forms, recall coverage, or equipment breakdown, use a mid-market carrier as the primary and AmTrust as a competitive WC alternative.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers' comp for light manufacturing operations with favorable loss history
- GL coverage for product liability exposures in light manufacturing
- Commercial property for manufacturing facilities and equipment
- Commercial auto for delivery and distribution vehicles
Limitations
- Heavy manufacturing, foundries, and chemical processing are outside the small business program
- No product recall coverage — refer to CNA or specialty markets for recall expense
- No inland marine for equipment in transit or at job sites
- Manufacturers with over 75 employees should be quoted with mid-market carriers
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