AmTrust Financial in Texas
AmTrust Financial writes workers compensation insurance in Texas, with A- AM Best rating and a $200 minimum premium. Texas carriers operate under NCCI rate filings, with a max weekly benefit of $1,271 and a statute of limitations of 1 year. Verified 2026-05-09.
AmTrust Financial in Texas
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.
Texas workers comp rules that apply to every carrier
Texas workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,271 at 70% of the average weekly wage. The statute of limitations to file a claim is 1 year from the date of injury. Coverage threshold: Workers' compensation coverage is generally optional for private employers in Texas. On 1099 contractors: Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
How to get a AmTrust Financial quote in Texas
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 Texas?
Yes. AmTrust Financial writes workers compensation in all 50 + DC, including Texas. AM Best rates the carrier A- (Stable outlook), and the minimum premium is $200. Online quoting is available.
What kind of Texas 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 Texas on a AmTrust Financial policy?
Statutory benefits are set by state law, not by the carrier. Texas caps weekly indemnity at $1,271 (effective 2025-10-01), calculated as 70% of the average weekly wage. AmTrust Financial pays the same statutory benefit as any other Texas carrier.
How does AmTrust Financial handle 1099 contractors in Texas?
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer. 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 Texas?
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 Texas through AmTrust Financial.
When does AmTrust Financial audit my payroll in Texas?
Texas 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.