LinesWC, BOP, GL, Umbrella, Commercial auto, Cyber, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | Preferred for BOP: interior carpentry, drywall, electrical within buildings, floor covering (not ceramic or stone), HVAC, interior decorators, landscaping with no tree removal or excavation, interior painting, commercial plumbing and window cleaning. Fence erection and household appliance installation are eligible rather than preferred. WC is preferred for electrical, flooring, HVAC and landscaping but only eligible for carpentry, drywall and painting (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Contractors | Commercial auto | Most states | The same guide marks auto as preferred for most listed artisan contractor classes, including carpentry, drywall, electrical, flooring, HVAC, landscaping, painting and plumbing; household appliance installation and glaziers are eligible. Auto is quoted in ezAuto (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Contractors | Umbrella | Most states | Umbrella is preferred for most artisan contractor classes (electrical, flooring, HVAC, landscaping, plumbing, painting) and can be added while quoting in ezBOP; fence erection and appliance installation are eligible (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Offices | BOP | Most states | Office classes are preferred for BOP, WC and umbrella: accountants and CPAs, advertising, bookkeeping, architects and engineers (consulting only), insurance agents, lawyers, medical and dental offices, real estate agents, title agents and tax preparers. Retail, office, service and wholesale BOPs go up to $10M property per location and $30M per policy. The agent BOP page lists AK, FL and HI as ineligible states (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025; AmTrust BOP agent page, Oct 2026). |
| Professional services | Cyber | Most states | Cyber is preferred for office and professional service classes. AmTrustCyber is quoted automatically alongside WC and BOP, and agents can bind up to a $1M limit online. Cover includes ransom payments, business interruption, privacy and network liability, regulatory fines and PCI penalties (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Retail | BOP | Most states | Most retail classes are preferred for BOP and WC, including appliance, footwear, audio-visual, auto parts, bakeries, barber and beauty supply, and bicycle stores. Auctioneers selling away from premises are only eligible. Retail sales cap is $7.5M (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Restaurants | WC | Most states | WC is preferred for fast food classes (cafes, chicken, delis, donut, hamburger and hotdog shops). BOP is mostly eligible rather than preferred; restaurant BOPs go up to $5M property per location (frame construction up to $3M, frame over $2M must be sprinklered) and $5M revenue (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Habitational | BOP | Most states | Apartment buildings (no boarding houses, assisted living or more than 10% student housing), residential condo associations and townhouse associations are eligible for BOP, umbrella and auto, with cyber preferred. Limit is $4M per building, $10M per location and $15M per policy (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
| Healthcare | Professional liability | Most states | AmTrust offers professional coverage on the BOP for certain classes, including optometrists, opticians, hearing aid dealers, denturists and veterinarians, in most states (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025). |
How to quote AmTrust
→Carrier portal. Quote directly in the AmTrust agent portal.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
Agencies apply with AmTrust's online Become an Agent form, which asks for FEIN, number of commercial producers, total commercial and workers' comp volume, top two commercial carriers by premium, and any aggregator or network membership. AmTrust says it may also require a formal application, financial and loss statements and background checks, and the form does not guarantee an appointment.