AmTrust Financial ServicesReviews of amtrustfinancial.com

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.

I received a letter over 1 week ago from Amytrust. I have rung twice and sent an email with no response over 7 days. They claim ro get back in 3 days! The letter is in legal jargon to do with a mis sold mortgage that Pure Legal were taking up on my behalf then said they could not. That was several years ago. This letter is out of the blue and their customer service is shocking to say the least considering I know nothing about why they have contacted me. For all they know I could be a vulnerable adult or have a disability and this is how they support people with the customer service. This could cause serious issues for someone with mental health problems. Appalling!

As everyone else on here has stated, stay as far away from AmTrust as possible. We ended up with them for workman's comp. My wife and I choose to be exempt being the officers of the business. Everything was fine 2 years ago when we had regular employees but last year was very tough financially for us and we only used employees occasionally. Amtrust decided at the end of the year that they didn't get enough money so made up a number that my wife and I should have been paid. Mind you, this number they made up is about what the company did in gross revenue. A number that would be impossible for us to pay ourselves. We are now on our second dispute for their audit and they are demanding a payment of almost $4000. This is about 4 times what the quote was and what we paid last year to insure our part time staff. Like I said, not to be trusted. They are impossible to talk to as no one from the audit team is actually available by phone and their customer service team is very nice but can't actually help.

I have received a letter from them regarding missold mortgage, i dont understand the letter at all, dont know what to do with it, ive rang them twice now to be told all staff are busy st the moment please try later, just tried again on another day to be told this office is now closed, anyone tell me what to do please

Oh how I wish I would have checked Trustpilot first ! Insured my let properties through CIA for the past 7 years, who took out a policy with Amtrusteu or Nottingham Claims. My first ever claim and it’s been a waste of my time and money. They take a week or more to respond to emails and base the evidence in their favour. Now after see the other reviews I wish I would have not wasted my money and will find my own insurance with a reputable company in future. They don’t even deserve 1 star.

I have been in business for 10 years, and I have never experienced as many issues with a Workers’ Compensation company as I have with this one. During the two years I was insured with them, I disputed both audits. In one case, the State of Oregon ruled in my favor, and the other audit is still under dispute. This has resulted in unnecessary loss of time and money. My experience with this company has been extremely negative.