AmTrust Financial ServicesReviews of amtrustfinancial.com

I have had a Workers’ Compensation policy with this company for the past 3 years. I disputed the audits as they significantly overcharged me. I followed the audit process, answered their questions, and sent in documentation. Each time, I would reply to their correspondence within a week, then wait 6/8 weeks for a response. I have been getting nowhere and in the interim they sent me a bill for another $1700. They actually owe me money as I overestimated how much money my parttime subcontractors would make. Despite my diligent efforts, I have going around in circles with them. They are clearly understaffed and hoping I will just pay the additional fees. This has resulted in unnecessary loss of time and money. My experience with this company has been extremely negative. I decided to just cancel the policy on renewal. DO NOT WASTE YOUR TIME with AMTRUST!

They generate invoices 2 weeks before they are due, snail mail them to your business and they cancel your policy when you are 1 day late. Literally we get the invoice AFTER its due. THEEEEE worst billing ever. I have never seen a company so willing and quick to cancel your policy when they have such an obvious setup for intentionally setting you up for it.

I made a claim as our patio door window was broken. I was assigned one person to deal with my claim and asked to provide two estimates for repair which took me about a week.One of which was immediately accepted. From the start of my claim to their agreeing to pay out took four weeks. I think that they did very well.

Beware of doing any kind of business with AmTrust. We had our Workers Comp policy through them and as soon as we switched to a different provider they hit us with an audit with an inflated amount due. We argued the amount on the phone and they could never show us how they arrived at the numbers. They sent collections after us after we'd gone back and forth with calls, emails and even had our insurance broker connect with them. In the end, their calculations were not accurate and we did now owe what they indicated. If we'd paid what they sent their lawyers after us on we would be out more money than we owed. I wouldn't with this experience on anyone.

After more than 10 years with this company and never making a claim, we filed one for the first time and guess what… they canceled our policy. They had to pay for one Orthopedic visit and a few rounds of PT and they dropped us…. On top of that we are still dealing with an audit from 2 years ago because they put employees (3 of us) in the wrong categories overcharging us by at least $3,000. This is a terrible company, if you have any other options go with that.

Total scam of a company, had malicious damage coverage for my landlords insurance in the UK and when I had to make a claim due to tenant damage, they took 3 months trying to find a loophole not to pay. They found one about tenant arrears starting in 2025 even though I'd been insured with them since 2019 uninterrupted. Your policy will look good on paper, but they will try every trick at their disposal to make sure you don't get paid. From logging things incorrectly, to keep asking for the same details and finally putting you on an indefinite wait to find a loophole they can utilise in the contract. Totally untrustworthy company, avoid anything to do with them.

AVOID at all costs, terrible experience and complete waste of money. 100% bad experience, use an honest company instead

I would not even grade the service we have received with a 1 star. There was a leak under the floor in our ensuite. At the end of April a tile cracked and we got an emergency builder/ plumber to check it out. He removed some tiles and found there was a leak from he thought the shower disposal as when shower was turned off there was no leak. Submitted claim they wanted two quotes which we sent alongwith pictures. Claim originally made at the end of 25 April when my brother informed them I would be dealing with the claim, they responded to him and not copy me in. Almost a month after the claim, on 26 May, I phone them to find their error. Claim Handler Chelsea got back to us and stated that the claim was denied as it was due to neglect. Neglect? How is one meant to know about a leak occurring under the floor. The exclusion quoted was 11. Wilful act or omission, lack of maintenance or neglect by You. After several further communications, we decided to get started on the repair, but the builder and plumber found that the seal of the shower tray was also leaking under the floor again. We sent a video. Chelsea came back with an exclusion: What Is Not Insured Loss or damage caused by a lack of or failure of sealant or grout. Chelsea advised that she submitted our claim to complaints on 2 June We have asked the specific question: How do you find an underfloor leak? Do we have to dismantle the entire bathroom to check for underfloor leaks, and will they pay for this, as it means damaging tiles etc. To date, no response So far, no response Claim was sent to complaints on 2 June As of 11th June, complaints had not allocated an investigator and I was advised: We aim to respond to complaints within 4 weeks, however if this is not possible, we are required by the Financial Conduct Authority to respond within 8 weeks before you can automatically approach the Financial Ombudsman Service. 4 weeks is 30 June, 8 weeks is 28 July This has caused me undue stress and anxiety as I wonder how they would treat us if it were a major problem with our home To actually have a policy and confirm to a customer that a claim that was submitted on 25 April may be sent directly to the ombudsman on 28 July is absolutely unacceptable. Do not trust these people with your most valuable asset, your home. They will cause you loads of stress and anxiety. We have now paid out for our bathroom, leaving us short of cash, whilst these insurers can just sit on our claim and make unjust accusations about neglect and not checking underfloor seals Absolutely shameful 28/6/26 Over 2 months after the original claim was submitted I still have no communication/Response from Claims regarding how we would know if there is a leak under the floor and if they would pay for us to remove and check the underfloor seals as they suggest in their exclusion. Almost a month after the case was handed over to the complaints no response either. I would hazard a guess no investigator allocated Shameful. The financial and mental stress and anxiety is awful Shame on you AM Trust The latest as at 30 June 2026, exactly 4 weeks since complaint was lodged. EMail from Claims Investigator Ms Raza again a contradiction. Please do read email below it is so very sad that AM Trust want to squeeze every penny out of us working class people, these people should be regulated better From Connie's email of 11th June I quote "We aim to respond to complaints within 4 weeks, however if this is not possible, we are required by the Financial Conduct Authority to respond within 8 weeks before you can automatically approach the Financial Ombudsman Service". email of today from Ms Raza quote "a final response within eight weeks from the time we received your complaint, you may be able to refer your complaint to the Financial Ombudsman Service: Again I am extremely stressed and concerned as I get differing responses from two staff in the same team Connie says we can automatically go to the Ombudsman and you say we may be able to. Which is it? It really doesn't instil trust, does it?" Shall we say I hear nothing and I have heard nothing from the Social Media team either. I am struggling with the stress and anxiety these people are causing me. Shame on you 3 July Feedback response asked us to contact them directly and they would respond. Here is what I got from them "Sorry I was on holiday and I cannot say anything only complaints can answer once investigated" I was already told that, so this company has perfected the art of avoidance! 15/8/26 SO our claim was denied on the grounds of wilful neglect. So AM Trust believes that us folk neglect our homes and then claim from them. How bizarre and also how arrogant. We had a leak from our roof and instead of going through all the stress and anxiety, we paid for the repair ourselves. They are cruel and liars. They take our money but do not want to pay up.