AmTrust Financial ServicesReviews of amtrustfinancial.com

If there would be a option for zero star, i would give, i have never experienced like this the way they handle your caravan claim, they are just happy taking insurance money but when it comes to even small claim, they leave you on your own and people buy this insurance for stress free but this company have given me hell of stress for whole year, and wasted my lots of energy by speaking to a claim handlers and they still have not sorted our problem, its been a 11 months. Now really fed up and decided not to go for renewal with this company which is a nightmare.

Retroactively raise the price 4 times and threaten you with the collection department. Update: the comment from AmTrust Financial Services is a robo-comment, and they did not mean to contact them for assistance. I tried, and they literally told me they don't care.

On 12/1/2025 I was punched in the eye by a patient at work. The experience was traumatic and has caused some anxiety. I sustained an orbital floor blowout fracture of my left eye. Bone, muscle, and other eye contents have been affected. I was told that surgery is sometimes needed for this injury. I was referred to an oculoplastic surgeon and an oral maxillofacial surgeon. I was supposed to see both between 12/18/25-1/1/2026. I have never been seen by an oral maxillofacial surgeon. The oculoplastic surgeon visit was not until 3/18/26. I still do not know whether or not surgery is needed. The oculoplastic surgeon was very dismissive, the two exams lasted maybe five minutes each, the doctor left the exam room door open during the entire second visit, he completely ignored my symptoms, blamed my current symptoms on my LASIK surgery from 3/2024, ignored my complaints of pain and discomfort, didn’t offer any treatment plan, and cleared me to go back to work as a registered nurse where I use my eyes for long hours. He did not address how my eye might be healing or what to expect in the future. From what I have read, loss of vision is a possibility. I’m full of fear and anxiety, stress, I feel like I am not important and neither is my eye. The doctor’s documentation is inaccurate and his treatment borders medical malpractice. I have made my adjuster aware of all of these things. When I expressed these issues with AmTrust and requested to be seen by another oculoplastic surgeon and to be seen by an oral maxillofacial surgeon, I was told no. I waited months to find out what is going on with my eye, cheek, nose, and inner ear. I still have no answers. I still don’t know what to expect in the future. I’m sure scar tissue has formed, and if surgery is needed it is going to be more complex than it would have been months ago. But AmTrust is ignoring how I am feeling. They are ignoring my concerns. And, honestly, they are ignoring the potential for more complications in the future that could be more costly and that could have legal implications for the improper care that was provided, for ignoring medical recommendations and getting the proper care that I need, and for the medical records that contain improper billing codes and inaccurate notes, all of which they were made aware of.

I’ve been waiting on payment for weeks because Susan can’t write down an address correctly. They have literally mailed it to the wrong address 4 times and 1 time Susan forgot to mail it all together… this isn’t multiple payments I’m waiting on either it’s literally 1 payment .. this is the worst company I’ve dealt with.

I’m very disappointed with my experience with AmTrust. The audit review process has taken far too long, and I’ve already had to submit the audit three separate times. It’s been frustrating, time-consuming, and completely inefficient. A process like this should not require repeated submissions with no clear resolution. Communication and turnaround time need serious improvement.

I got Amtrust for a workers comp policy. Everything was fine until we got to the audit process. They ignored my paperwork and said my payroll was 10x what it was. Raised my monthly rate from $98 to $934 with no notice. Took them 4+ months to get this done. 2 wrong audits. I had to complain to the insurance commission in order to get things corrected. Once I cancelled, I have been trying to get a refund and keep getting the runaround for it. I call and get told I'll be contacted but two weeks later and still nothing. I called again and was told there was no record and nobody had been assigned yet. Needless to say, if I every need insurance again, I will NEVER use amtrust. Do not recommend.

I purchased a legal expenses insurance policy through AmTrust Specialty and unfortunately had a very disappointing experience when I attempted to make a claim. My claim was ultimately rejected, but what concerned me most was how the process was handled. During the claim, I requested several call-backs, which were not actioned. Communication was poor, and I felt ignored at a time when I needed clarity and support. I also made AmTrust aware that I have complex PTSD and should therefore be considered a vulnerable customer. Despite this, I did not receive any additional support or reasonable adjustments throughout the process. This made an already stressful situation significantly more difficult. I escalated my complaint to the Financial Ombudsman Service, but they sided with AmTrust. Regardless of that outcome, I remain deeply dissatisfied with how I was treated as a customer. My legal expenses policy has now ended, and I have chosen not to renew it. I am sharing this review so that prospective customers are aware of my experience and can make an informed decision before purchasing a policy. Based on how my claim and vulnerability were handled, I would strongly advise others to think carefully before choosing this provider.

I purchased motor legal expenses insurance in good faith, believing it would cover legal costs to pursue a garage where negligence had caused damage to my vehicle. In my case, my car was left unsecured at a garage following an MOT, and an attempted theft caused significant damage. The Ombudsman accepted that this met the definition of an insured road traffic accident under the policy. However, the claim was declined because the damage “related to an agreement entered into” with the garage. This was surprising to me as a consumer. From a common-sense perspective, I believed motor legal expenses cover would assist in pursuing negligence by a garage while the vehicle was in their care. The policy, however, distinguishes between negligence arising in general road traffic circumstances and situations connected to a contractual agreement. The Ombudsman ultimately upheld the insurer’s interpretation of the exclusion. My purpose in writing this review is not to dispute that decision, but to raise awareness for other consumers. If you are purchasing motor legal expenses cover, I would strongly encourage you to read the exclusions very carefully and consider whether the scope aligns with your expectations. In my experience, the policy did not operate in the way I had reasonably assumed it would. Clearer, more plain-English explanations at the point of sale about what is not covered, particularly regarding garage-related incidents, would help customers make more informed decisions. UPDATE AS AT MARCH 2026 Following further review, I think it is important to clarify that the policy in question was administered by ARC Legal, with AmTrust acting as the underwriter. I now understand that not all motor legal expenses policies underwritten by AmTrust are structured in the same way. Some policies, depending on their design and wording, do include broader “motor contract” cover (for example, disputes relating to vehicle repairs or servicing), whereas the policy I held was interpreted by the Financial Ombudsman as a more limited road traffic accident recovery policy, and did not cover contractual disputes with garages resulting from negligence. I am therefore not suggesting that all AmTrust-underwritten products are narrow in scope, but rather that, in my case, the specific policy wording (as applied) resulted in a level of cover that was more limited than I had reasonably expected at the point of purchase.