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UNDERWRITING GUIDELINES

AMTRUST NORTH AMERICA GUIDELINES


TARGETED OPERATIONS

  • Restaurants
  • Retail stores
  • Wholesale stores
  • Hotel/Motel
  • Beauty Shops, Barber Shops, or Hairstyling Salons
  • Professional office operations
  • Building – Operations by Owner or Contractor
  • Grocery Stores
  • Private Schools
  • Machine Shops – Light Metalworking
  • And much more

UNDERWRITING CRITERIA

  • No minimum or maximum experience mod
  • New ventures with experience acceptable
  • Must have at least one full time employee other than owner(s)
  • No 24-hour operations
  • Maximum height – two stories or 30 feet
  • Maximum use of subcontractors – 50%
  • No placement services or temporary agencies
  • Loss runs required for review
  • Experience mods 1.00+ required current year and three year loss runs
  • 24- hour operations considered on a limited basis

MOST COMMON REASONS FOR REJECTION

  • Ineligible class code or phraseology
  • New venture restaurant with delivery
  • Unacceptable loss history
  • Heavy duty contractor risks
  • Trucking or Transportation risks
  • Healthcare risks
  • Professional Employer Organizations
  • Operations involving work at heights or other high-hazard operations
Products and services are offered through Agency Resources, a division of Safehold Special Risk, Inc., dba Safehold Special Risk & Insurance Services, Inc. in California. Safehold is a division of Wells Fargo Insurance and a non-bank insurance agency affiliate of Wells Fargo & Company. Coverage is provided by unaffiliated insurance companies.
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