AmTrust Financial in Florida
AmTrust Financial writes workers compensation insurance in Florida, with A- AM Best rating and a $200 minimum premium. Florida carriers operate under NCCI rate filings, with a max weekly benefit of $1,358 and a statute of limitations of 2 years. Verified 2026-05-09.
AmTrust Financial in Florida
High volume of small policy underwriting. Quick quoting via PEO/agency channels. The carrier's industry focus is small business specialist, and the AM Best rating is A- with a Stable outlook. Online quoting is available through the carrier portal. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Florida workers comp rules that apply to every carrier
Florida workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,358 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 2 years from the date of injury. Coverage threshold: Employers with 4 or more employees (full-time or part-time) must carry coverage. Construction industry employers with 1 or more employees must carry coverage. Agricultural employers with 5 or more regular employees and/or 12 or more seasonal employees who work for more than 30 days must carry coverage. On 1099 contractors: Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees.
How to get a AmTrust Financial quote in Florida
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. AmTrust Financial can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days. For accounts under the carrier-set premium ceiling, the online portal can issue a quote in under an hour.
Related
FAQs
Does AmTrust Financial write workers comp in Florida?
Yes. AmTrust Financial writes workers compensation in all 50 + DC, including Florida. AM Best rates the carrier A- (Stable outlook), and the minimum premium is $200. Online quoting is available.
What kind of Florida businesses does AmTrust Financial target?
AmTrust Financial focuses on small business specialist. High volume of small policy underwriting. Quick quoting via PEO/agency channels.
What is the max weekly workers comp benefit in Florida on a AmTrust Financial policy?
Statutory benefits are set by state law, not by the carrier. Florida caps weekly indemnity at $1,358 (effective 2026-01-01), calculated as 66.67% of the average weekly wage. AmTrust Financial pays the same statutory benefit as any other Florida carrier.
How does AmTrust Financial handle 1099 contractors in Florida?
Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees. AmTrust Financial audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does AmTrust Financial offer pay-as-you-go workers comp in Florida?
Yes. AmTrust Financial offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Florida through AmTrust Financial.
When does AmTrust Financial audit my payroll in Florida?
Florida carriers including AmTrust Financial audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.