AmTrust Financial

AmTrust Financial excels in specialty workers comp for staffing, healthcare, and retail sectors, with $2 billion in premiums. Taken private in 2018 for $2.7 billion after resolving prior reporting issues, it now operates a stable, global platform spanning 8 countries. Its SMB focus is 40% more specialized in high-turnover industries than the average carrier, offering competitive rates and tailored coverage. For staffing firms, AmTrust's international reach and niche expertise provide a cost-effective alternative to #7 ICW Group's regional dividend model. This combination of scale and specialization makes it a resilient choice for complex, multi-state employers.