Never using amtrust again
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.
Beth Clayson
Think Carefully Before Choosing This Provider
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.
Angel Mirembe
Motor Legal Expenses Policy – Not What I Expected
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.
Book Man
Terrible customer service
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!
Mrs Greenwood
Stay far away
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.
Jeremiah Lutes
I have received a letter from them…
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
Susan Stringer
Read the reviews and save your money
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.
jez prudhoe
Terrible experience
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.
Arturo Perez Morales
Strangely enough the bribe I was…
Strangely enough the bribe I was offered by this company to close claim, the phone call was never recorded because the person used his managers mobile phone to contact me 😂😂😂
Colin Wilson
I’ve been dealing with AmTrust for my…
I’ve been dealing with AmTrust for my Workers’ Comp claim and this has been one of the most frustrating, disorganized experiences I’ve ever had. My adjuster, John Vic Salonga, and manager Tammy Williams have continuously failed to send my payments on time, even after I reported the issue multiple times.Because of their errors, my check was delayed for over three weeks, and since then the payments have never been on a consistent schedule. Instead of correcting the issue, they just keep issuing checks as if nothing happened. Every delay puts me further behind — I’ve had late rent fees, court and eviction paperwork filed every month, late utility bills, car payment issues, and I’m struggling to keep food in my home.When I explained this repeatedly to their manager, she called it a “courtesy” to send part of what I’m owed and then made me fill out more forms for the rest. It feels like they’re playing games instead of taking responsibility for their mistakes.Workers’ Comp is supposed to help injured workers stay afloat, not push them deeper into hardship. AmTrust has shown a complete lack of care and professionalism. I’m now pursuing a formal investigation and penalties through the Industrial Commission of Arizona for bad-faith handling and unreasonable delays.If you’re dealing with this company, document everything — emails, calls, and every missed payment. They’ve caused me months of stress and financial damage that could have been avoided with basic accountability. Even after I explained to them the law, they broke the poor business practices, the unfair business practices, the pattern of negligence and bad faith conduct how they can face sanctions and everything and steal. Nothing happens. They continue to act like they doing me a favor, instead of taking accountability. Thank God for social media cause it looks like they’re about to be famous.
Martin Gangley
This is my first negative rating of any…
This is my first negative rating of any company. This is the WORST company I have encountered in the past 45 years. We purchased workman comp insurance with them for many years. I retired 4 years ago with no employee or claims. Final audits clearly indicated the above to the company. However, instead of giving us some refund like other companies I worked with, this one charged me additional $800 for nothing! They did not explain to me the reason behind this. Now they sent the bill to the collection agency trying to force me to pay them. I already responded to the collection agency and am ready to fight them in court. I am writing this to inform the public that this is a dishonest, unethical company. Please stay away from them!
Quon
This is not a reputable insurance
This is not a reputable insurance ! Just go to the better alternative on my photo album for a smooth amazing experience .
Hugh Katz
if i could leave zero stars i would
if i could leave zero stars i would. amtrust is the biggest scam of a company to ever exist. your worker's compensation nightmare is just beginning.go with any company but amtrust they are as crooked as they come.
Alpenflow Studios LLC
Worst and feel like scam
Worst and feel like scam . Audits every years have to pay minimum extra $10000 every year without any explanation . Even provided legitimate payroll
Consumer
Years of delay, no resolution, and constant buck-passing
I have been dealing with AmTrust Europe Limited in relation to a Premier Guarantee warranty claim for my flat, which has suffered from a severe roof leak since 2018. Despite the defect clearly falling within the policy’s “Major Damage” and waterproofing cover, no qualified contractor has ever been appointed to carry out a permanent repair.Over the years I have:Provided extensive photographic evidence, inspection access, and a documented timeline of the defect.Repeatedly chased updates, only to receive vague or no answers.Been referred back to the developer/freeholder, who has already failed to resolve the issue multiple times with inadequate patch repairs.On 13th August 2025, AmTrust’s appointed claims handler confirmed that all repair and alternative accommodation arrangements “should be directed” to the developer — despite the fact the developer has failed for over seven years to deliver a proper fix. This feels like a clear avoidance of their responsibility to intervene when the responsible party fails to act.Meanwhile, I continue to live in a property that becomes uninhabitable during significant rainfall, with a real risk of further damage and health issues. There has been no fixed start date, no completion date, and no assurance the works will be carried out by a competent professional to building regulation standards.My experience with AmTrust has been one of delay, poor communication, and no meaningful progress — exactly the opposite of what a warranty provider should deliver. If you are buying a new-build home, I strongly recommend you research their track record before relying on this warranty for peace of mind.Update: I have emailed AmTrust’s feedbackresponse at amtrustgroup.com with full details of my case (roof leak at C502, Royal Crescent, Southampton). This includes the long timeline of failed repairs, ignored requests for alternative accommodation, and my recent Letter Before Action sent by recorded delivery.I expect AmTrust to now align their feedback, complaints, and claims teams and provide a full resolution within the 14-day deadline I have set, failing which County Court proceedings will be issued.
James Brown
Website is nearly useless, no 'Contact Us' option
Website is nearly useless. No 'contact us' button, no email address to begin a conversation. Customer service is dreadful. Please don't take your business here, you will regret it.
Broc Miller
I own a house some 15 miles from the…
I own a house some 15 miles from the South Coast UK and in 2023 started the many named Storms that continued for about 8 months. Apparently a Storm is only named if there are winds in excess or about of 100mph. I contacted AM Trust they told me wait off until the Storms have reduced and then look again at the damage. I did and then claimed the following March 2024 to get a claim form was difficult and required a few calls. Submitted the Claim and I asked for a surveyor or assessor to visit and see the damage no such person arrived. I had to have the damage fixed so contractor did a good job submitted the cost to AM Trust by which time I had not heard about the claim submission they then wrote back telling me there had not been any storms and they refused the claim. I then sent them the findings of The Met Weather Office UK of the 12 storms that had hit they still said they do not exist. So I went through the Ombudsman what a waste of time they are. AM Trust said to the Ombudsman I had never made contact with them and there were no phone calls so I sent the Ombudsman a copy of my phone Bills over the period I am still waiting for a reply they have implied they will take no notice. In my Family I have a couple of Lawyers Barristers they have legal friends ie a Circuit Judge I have shown the evidence to him he wants me to take AM Trust to the small claims court as he is sure there can be only one result AM Trust will have to pay. I have another property nearby the same happened with the roof, Insurance Company sent an assessor he then passed my claim the work has been done and they have paid but it was a British Company not this conglomerate AM Trust who like to take your money but stop all claims. Sorry about my story but these are the facts of dealing with AM Trust DO NOT BOTHER go elsewhere even it is more expensive. I defy anybody from AM Trust to contact me as I have seen there other so called contacts to others.
Gerald
The reviewer’s first claim with AM…
The reviewer’s first claim with AM Trust Europe Limited was rejected on technical grounds regarding documentation. Despite the insurer’s earlier offer to handle the claim, the underwriter refused to proceed, forcing the reviewer to deal directly with the manufacturer, which proved successful without insurer help. The broker offered no support, and an ombudsman complaint remains unresolved. The experience left the reviewer dissatisfied and feeling unsupported by both insurer and broker.
EWR Roberts
Website registration doesn't work
Website registration doesn't work. So I can't generate my loss runs reports. Extremely difficult to get a hold of anyone on the phone in customer service. Once I finally got a hold of someone, they were unable to help. Horrible customer service!
John Teasley
We are changing immediately
We are changing immediately. Clunky website. Bad customer service. Poor communication. Difficult to navigate audit process. Impossible to find the cancellation button on their site and they ignored multiple requests to cancel. CA has a 1 click to cancel law and this has to be in violation of that!
Givona Sandiford
