Summer Emergency Preparedness for Your Small Business Location


Mother Nature can wreak havoc on your commercial property. Heavy rain and high winds can severely damage or destroy your roof, gutters, roof-mounted equipment, exterior signage and other objects kept outside like display racks or trash cans. Being proactive with your summer emergency preparedness is a key to helping to avoid, or at the very least, reduce the amount of loss suffered to your commercial property during severe weather.

Stay Informed

The severe weather season typically begins June 1 and ends in late November, depending upon your location. When this season comes around, make sure to keep a watchful eye on the upcoming weather forecast on a regular basis. If a severe storm is approaching, stay informed with the updates provided by local media and your area’s public officials on the progress and the potential severity of any storms. Other resources to consider are several reputable smartphone applications that can come in handy to alert you of thunderstorm cell activity and lightning strikes in your area.

Begin Preparing Your Small Business Property

If a severe storm is inevitably going to hit your area, then it’s time to get started on securing your small business property.

Begin with the outside by relocating any materials or equipment that could move during the storm, such as signs or displays, to a secure area. Move any vehicles your business may have to a safe location, such as a covered garage.

Check for any loose or missing roofing materials – these areas are vulnerable to high winds and allow for water penetration. Make sure to have these fixed by a professional as soon as possible. Also, check for any gaps around flashing or locations where objects are secured to the roof, such as antennas. These issues should be addressed immediately.

Remember to check your drainage system, such as your gutters. Clear them of any dirt, debris or leaves that could cause them to clog up, leading to excess pooling of water and potential roof failure and water damage. Also, check the gutters themselves by making sure they are anchored tightly so they can resist the effects of high winds.

If your small business property has exterior glass frontage, be sure to move items away from the windows and clear out that section as much as possible.

Unplug equipment, lamps, appliances, and other electrical devices, and cover up important equipment with plastic bags. Move any boxes, equipment, file cabinets, etc. that are normally kept on the floor to an elevated area. In the event there is any flooding, items left on the floor could be damaged.

Make sure all communication devices as well as laptops and other essential electronics are fully charged before taking them with you. Create multiple back-ups or copies of electronic files, and store records off premises as much as possible.

Installing a generator is a great way to prepare for the possibility of power loss and to help reduce business disruption. It enables your small business to continue operating some or all of your electronic equipment and lights. It can help avoid or reduce commercial property damage from high heat and humidity, as well as freezing temperatures. Additionally, it can help minimize or eliminate the threat of food spoilage.

Remember to regularly check and service your generator so it will be ready at a moment’s notice. As part of storm preparation, it is recommended that you ensure immediate access to fuel for powering generator. Click here for more information about generators and their safe use.

Lastly, but most notably – take measures to protect your most important asset: your workforce. Close your office at a time that allows your employees ample opportunity to safely travel home, so that they can secure their home and prepare for the storm.

AmTrust Offers Commercial Property Protection

Commercial package loss control is a multi-faceted process that varies by the type of business, region of the country, the season and other factors. AmTrust is here to help. Check out our commercial property protectionsection of our website, as well as our other loss control resources. Also, check out our blog post “Create Your Own Hurricane Management Plan” for additional information and tips on preparing your small business for severe weather.

For more details about AMT Warranty Corp feel free to visit:


Types of Business Insurance Coverage at AmTrust


AmTrust is the third largest writer of workers’ compensation coverage for small businesses in the United States, according to SNL Financial’s 2016 Workers’ Comp market share report. While workers’ comp is largely what we are known for, our product portfolio contains a wide array of different coverages to suit the needs of our agents’ small business clients.

Keep reading to find out more about the selection of insurance products AmTrust has to offer.

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Let’s start with what we are most known for: workers’ comp insurance coverage. Having a dependable workers’ comp policy in place is so important for any business, but especially for small businesses. Damages for injuries suffered at work can amount to thousands or even millions of dollars. Without sufficient coverage, employers could be susceptible to punitive damages, pain and suffering lawsuits and astronomical medical bills.

AmTrust works closely with its agents to place insurance for small-business clients that is intended to comply with insurance requirements and help them succeed. We cover more than 350 eligible classes of business, including hotels, professional offices, restaurants, retail stores and more.

State Disability

A State Disability Benefits Insurance policy helps a business retain its most important asset – their employees. Simply put, it provides financial security to employees while they are out of work due to a covered off-the-job injury or illness.

AmTrust offers benefits coverage to bridge the gap and help your clients’ employees make ends meet while they try to survive on a disability benefits check. Below are some of the potential benefits to a business carrying a Statutory Disabilities Insurance policy:

  • Improved health outcomes of employees
  • Reduced out-of-work time for ill/injured employees
  • Increased employee loyalty
  • Higher team morale

Find out more about AmTrust’s State Disability Insurance coverage.

Commercial Insurance

Commercial Auto

As the saying goes, “accidents happen.” This is especially true when it comes to automobiles. A Commercial Auto policy is designed to provide coverage in the event of a collision between a commercial vehicle with another vehicle or an object. It also helps protect businesses from litigation related to automotive incidents. Perhaps most importantly, however, it helps ensure that your clients’ employees have medical expenses taken care of after a work related auto incident.

AmTrust’s Commercial Auto product covers a wide range of businesses, such as commercial and residential contractors (HVAC, landscaping, roofing) or distributors (food and beverage, auto parts, etc.)  to name just a few.

If your clients ask why they may need this type of coverage, check out “Why Small Businesses Need Commercial Auto Insurance.”

Business Owners Policy (BOP)

This type of insurance combines coverages a business normally would buy individually into one bundle. A standard BOP covers three things:

  • General Liability– If a customer is injured at your client’s place of business, General Liability insurance is designed to cover the potential medical costs and associated legal fees. It also covers advertising injury – certain offenses like copyright infringement and libel.
  • Property – This helps ensure that your client’s property is covered in the event of damage – ultimately helping to keep a business up and running. Property coverage can be “named-peril,” “open-peril,” or “special.”
  • Business Interruption– A major storm, an electrical outage, a hacking incident – any of these can abruptly stop a business in its tracks. This coverage is designed to protect your clients during a covered event, even potentially replacing money that would have been made if not for the incident.

To learn more about the benefits of BOP coverage, read our blog post “3 Reasons Small Businesses Need BOP Coverage.”

Additional Coverages

Cyber Liability Insurance

2017 report from CSO shows that the impact of cyber security events has increased. Additionally, they estimate that cybercrime damage costs could hit $6 trillion annually by 2021.


What does all this mean? Now more than ever, it’s important to make sure your clients are covered for a cybercrime event, especially for smaller businesses according to an article from Trend Micro.

The level of coverage your client needs will vary from business to business. In addition to basic cyber liability coverage, AmTrust’s Cyber Liability policy also includes coverage for Website Media Content Liability, Regulatory Defense and Penalties as well as PCI Fines, Expenses and Costs. So as your client’s business expands into the digital and mobile space, so does their coverage to address risks associated with any violations of privacy, plagiarism or piracy, copyright and trademark infringement, alleged defamation, libel or slander relating to their website.

Employment Practices Liability Insurance (EPLI)

This is a valuable insurance product specifically designed to help protect businesses from employment practices liability exposure. Insured events generally include alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. This coverage is inexpensive and includes free risk and employee management services previously available only to larger companies.

Regardless of company size, the possibility of being sued for one of the above infractions is a reality for any business. Without an EPLI policy in place, your client may have to pay for any losses associated with employment practice litigation out of pocket.

Learn more about EPLI coverage and its benefits.

Workers’ Compen Coverage and Much More

We are continuously evaluating the market and our agents’ needs to deliver new products from workers’ compensation to commercial insurance. Subscribe to our blog to learn more about our coverages and how you can write more business as an AmTrust appointed agent.

For more details about AMT Warranty Corp feel free to visit:

How Loss Control Management Can Help Avoid Workplace Injuries


Protecting a company’s most valuable asset – its employees – is of utmost importance. Promoting workplace safety to help reduce employee injuries and expensive claims is one way to help keep your workforce healthy and productive, and keep your premiums down.

Loss control is designed to help prevent or reduce the possibility of a loss, or to help reduce its severity if one does occur. Keep reading to find out more about how loss control professionals can help create a workplace safety plan to aid in reducing accident risks and workers’ comp claims.

Getting Started


A hazard assessment should be conducted by a loss control consultant and/or a safety committee. The Occupational Safety and Health Administration (OSHA) recommends that two managers plus two additional employees make up your internal safety committee.

The object is to look for anything that could pose a threat to your workforce, like slippery floor surfaces or tripping hazards. Risks will vary depending upon the workplace environment (manufacturing versus office work). By identifying potential hazards and risks, this builds the foundation for a workplace safety plan.

Create an Action Plan

By creating an action plan for approaching these hazards, a business can help set themselves up to successfully achieve their workplace safety goals. The action plan should be unique to your workplace and be in alignment with the risks that were identified in the hazard assessment. The plan is simple: describe the problem/risk and provide a solution. The safety committee should be in charge of managing the action plan and making sure it is being effectively carried out.

Training and Implementation

Training employees to observe loss control guidelines is an important part of any program. This will help ensure that your employees keep safety top-of-mind and are aware of workplace hazards.

For example, AmTrust offers training programs, including a streaming safety video system that provides all active policyholders access to over 600 videos. The topics range from back injury prevention to electrical safety to machine guarding. A complete list of loss control training materials can be found here.

Effective communication is valuable in improving an overall safety system. Incorporating reminders about safety in the workplace will further emphasize to your employees the importance of following the company safety plan.

Record Keeping


Keeping accurate and detailed records is a key aspect of a workplace safety program. It is also necessary for OSHA and other regulatory requirements. It creates accountability and effective business management, while keeping track of results for any safety inspections or insurance audits. In addition, it’s a form of loss control in itself – enabling a business to learn from past experiences and identify potential issues in the future, and ultimately help prevent losses.

Take Control of Your Losses

A good safety plan makes good business sense, and that starts with implementing loss control into the workplace. The goal of an employer should be to provide a safe work environment for all employees. This helps keeps your workplace healthy and productive, and can keep insurance costs down.

Learn more about the loss control capabilities AmTrust has to offer, and check out our blog post, “Take your loss control to the next level.”

For more details about AMT Service Corp feel free to visit:

3 Effective & Affordable Marketing Strategies & Tips for Your Small Business


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Promoting and positioning your small business is a never-ending endeavor. Sometimes a heavier marketing effort makes sense, such as when the business first opens or during the holidays. Even strictly seasonal businesses cannot afford to go completely dark during their off-peak time. To remain relevant and successful in today’s hyper-competitive and crowded marketplace, it’s important to stay top-of-mind, both online and off.

The seemingly infinite number of marketing strategies, tactics, and channels to choose from today can be overwhelming for small business owners. In this article, we will skip the basics, including touching on the importance of a great website, a growing customer database, and an active social media presence. Rather, we will focus on three affordable marketing tips for making a big — and quick — impact that small business owners like you can use immediately to help generate leads and (re)build your brand.

Search Engine Marketing (SEM)

SEM ads are paid text ads that appear on the top of search engine results pages (SERPs) when you type in a search query. When you consider that 51% of all local mobile searches result in a store visit, the necessity of being found in a search query can be vital for both lead generation and keeping your brand top-of-mind. Some of the great features and benefits of an SEM campaign include:

  • Budget Control | Set a daily or monthly budget you are comfortable with. If you reach your budget limit, your ads will stop showing for that time-period. If you want to dip your toes in, start with a monthly budget of $500, monitor the results, and take it from there.
  • User-Friendly Platform | Setting up, monitoring and tweaking your SEM campaign on a pay-per-click platform is not complicated. They are very user-friendly, and easy to learn and navigate even for those who are not tech savvy. The reporting functions are also robust and insightful.
  • Targeting | Target your desired customers by keyword, topic, language, location, device, and a multitude of demographic options.

Tip! Free training certification courses are available online to help you learn, manage, and maximize your AdWords campaign.

Video Marketing

SEM is a low-cost, highly effective way to generate leads and drive foot traffic into your store. Content marketing on the other hand, can be necessary for brand identity, education, customer engagement, and search engine optimization (SEO). In addition to producing text content in the form of articles and newsletters, another option is to change the form. Arguably, the most engaging form of content available right now is video.

The bottom line: many people are visual learners and prefer video to text content. Consider the following:

  • Internet video traffic made up 69% of all global consumer internet traffic in 2017.
  • By 2019, internet video traffic will account for 80% of all consumer Internet traffic.
  • The average user spends 88% more time on a website with video.

Simply put, statistically speaking, your customers crave video. You can provide them with a great brand experience at a very low cost. You do not need expensive video equipment or a fancy studio. All you need is a steady hand (or a cheap tripod) and a smartphone. Take your videos to the next level with one of the many free and low-cost, user-friendly video editing software options available online.

Tip! Keep videos brief, informative, and snappy. Aim to keep your videos between one and three minutes long. For increased engagement, you might try asking your customers to participate in your videos, perhaps in a testimonial or as a tutorial assistant. Ensure that you have participating customers sign appropriate release forms before making the video public.

Bonus tip! Transcribe your videos and add this content to the landing page where you video resides (whether it’s self-hosted on your site or embedded from a site like YouTube). The text will be crawlable by search engine spiders and can help your page rank for organic searches.

Customer Feedback

There is nothing more important to a business than customer feedback and opinion. All companies need to welcome customer feedback with open arms… and react appropriately. Customers appreciate when companies are genuinely interested in what they have to say. Get their opinion on their personal views of your business/brand, their experience doing business with your brand (i.e., ease of use, satisfaction with your product, service, etc.), and media usage habits (so you know how and where to advertise).

Provide hard copy surveys in your store, send e-surveys to your opt-in database (find low-cost e-survey options online), hold focus groups with a small group of customers in your store after-hours, and hold one-on-one interviews with customers.

Tip! To increase the number of completed customer surveys and focus group participation, offer a 10-15% discount on their next purchase for participation.

The sheer number of marketing and advertising options available today is mind-boggling. The most important thing can be to focus on doing a few things really well, instead of many things with average results. These three cost-effective marketing strategies for small businesses can help address lead generation and your brand in an affordable, quick, and high-impact way.

To get more tips for marketing and protecting your small business, subscribe to the AmTrust North America blog now. AmTrust Financial provides small business insurance coverage including worker’s compensation and general liability.

This material is for informational purposes only and is not legal or business advice. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors.

For more details about AMT Warranty feel free to visit:

AmTrust Mobile Solutions – Covered. Connected. Confident.


Did you know that you can offer your customers smartphone coverage through our company?

AmTrust Mobile Solutions is a suite of mobile device protection and support services that provide your consumers with the protection that they need. Economic and hassle-free, this coverage allows for the repair or replacement of damaged or lost mobile devices quickly and efficiently with one of two options:

If the damaged device is repairable, your consumers may have access to an authorized local service center for repairs while they wait.

If an authorized local service center is not available, we will send a replacement unit, on an expedited basis, from our state-of the-art fulfillment center following claim submission.

Easy Claims Processing

AmTrust Mobile Solutions’ domestically located claims center is staffed with specialists who provide prompt and professional assistance. Available seven days a week, the claims center can also be accessed online. Our family of industry-leading customer support service centers has processed more than $1 billion in claims and is accredited by the Better Business Bureau.

Fully Supported

AmTrust Mobile Solutions appreciates that point-of-sale materials are critical in promoting and disclosing the various aspects of a program. That’s why we offer a marketing staff to design private label marketing materials or provide you with our own branded promotional items. Plus, we maintain strict adherence to each client’s branding requirements and possess an in-depth understanding of the legal and compliance issues associated with insurance product marketing.

A Dependable Business Partner

Working with AmTrust Mobile Solutions is easy. Whether your business is big or small, we can offer a carrier-grade program to suit your unique needs and exceed your customers’ expectations. From initial on-boarding to ongoing customer service, we can deliver customized mobile device protection solutions, provide complete administrative support and tailor the program to your financial requirements.

Get In Touch

For inquiries on how AmTrust Mobile Solutions can design a program for your business, contact us today at 1.888.328.4575 or visit our website at

Want Niche Capabilities? You’ll Want A Unique Company

It’s important to partner with a company that’s well-versed in your line of work. After all, every industry has a unique set of risks and differentiators. And if you’re a small business owner, having access to someone who is receptive to the specific, yet ever-changing needs of your business can make all the difference.
AmTrust, Warrantech’s parent company, places a deliberate focus on delivering quality programs and services to businesses in underserved niche markets. With a staff of business developers, underwriters and account managers who are experienced, dedicated and client-focused, they strive to develop strong partnerships to ensure that your business plans are expertly executed, fully licensed and well-designed for your particular industry.

Small Commercial Business

Specifically targeting small businesses, AmTrust has crafted its commercial package insurance offering to provide coverage for niche audiences such as: lumber, restaurants, automotive service centers, financial institutions, inland marine, commercial agriculture and much more.

By combining leading technology, proprietary online business submission software and a deep understanding of each market, AmTrust reduces risk, produces efficiencies and provides effective loss control for its clients. AmTrust services small businesses with the same concern and attention to detail expected by large businesses, treating policyholders with the individual attention that they deserve.

Specialty Program

At its core, the program business provides risk funding arrangements to a small group of targeted program business clients dedicated to the long-term proposition of shared risk and shared rewards. The risks to which these policyholders are exposed require in-depth knowledge of the industry segments in which they operate. Underwriting often entails customized coverage, loss control and claims services, as well as risk-sharing mechanisms. Underwriting expertise is the core competency of this specialized business unit.
AmTrust partners with MGAs and claims administrators to originate and manage this book of business. They target sophisticated small- and middle-market businesses, such as retail and wholesale operations, service operations and non-profit organizations. The coverages offered consist primarily of workers’ compensations, general liability, commercial auto liability and property insurance.

Specialty Risk and Extended Warranty

Warrantech’s extended warranty coverage focuses on automotive and consumer product clients, offering accidental damage, mechanical breakdown and related risks, while AmTrust’s specialty risk coverage targets the categories of consumer and commercial goods, auto, involuntary employment and travel/purchase benefits.


By serving as both underwriter and third-party administrator of our warranty programs, including our own full-service, state-of-the-art call center, we are uniquely positioned to simplify purchasing and help protect the integrity of our clients’ brands.
To learn more about AmTrust’s niche market capabilities, visit amtrustfinancial.comor call 212.220.7120.

AmTrust Reports Second Quarter 2017 Net Income And Confidence In Long-Term Financial Strength


AmTrust Financial Services, Inc. (Nasdaq:AFSI) today announced second quarter 2017 net income attributable to common stockholders of $5.8 million, or $0.03 per diluted share, compared to $127.2 million, or $0.73 per diluted share in the second quarter 2016. For the second quarter 2017, operating earnings were $72.9 million, or $0.40 per diluted share, compared to $135.3 million, or $0.77 per diluted share, in the second quarter 2016.

Net income and operating earnings in the current quarter were impacted by catastrophe losses of $16.1 million after-tax, or $0.09 per diluted share, ($24.8 million pre-tax).

“We took transformative steps in the second quarter, executing on a number of strategic initiatives to increase certainty and confidence in AmTrust’s long-term financial strength, and appointing a new CFO,” said Barry Zyskind, Chairman and Chief Executive Officer, AmTrust. “In particular, we enhanced our balance sheet and capital base through a $300 million equity investment by members of the Karfunkel family to further support our insurance business and organic growth opportunities. Our sale of approximately 86% of our equity position in National General simplifies our balance sheet and reduces concentration in our investment portfolio composition. The reinsurance agreement we entered provides up to $400 million of coverage for adverse net loss reserve development, in excess of our stated net loss reserves as of March 31, 2017, to insulate AmTrust from future reserve volatility. We undertook these actions with a long-term view for the Company and our shareholders, to demonstrate strength and stability to all of our partners, brokers, agents, and insureds, and to enhance our earnings consistency.”

Mr. Zyskind continued, “Our second quarter financial results reflect disciplined sales execution and high policy retention levels with gross written premium of $2.2 billion, up 6.1%. We are focused on maintaining underwriting and pricing rigor in our target markets, and are taking a conservative stance toward our book of business in order to support future profitability and balance sheet strength.”

Second Quarter 2017 Results

Total revenue was $1.6 billion, an increase of $0.2 billion, or 18.2%, from $1.4 billion in the second quarter 2016. Gross written premium was $2.2 billion, an increase of $0.1 billion, or 6.1%, from $2.1 billion in the second quarter 2016. Net written premium was $1.4 billion, an increase of $0.1 billion, or 8.2%, compared to $1.3 billion in the second quarter 2016. Net earned premium was $1.4 billion, an increase of $0.2 billion, or 16.8%, from $1.2 billion in the second quarter 2016. The combined ratio was 101.2%, compared to 91.3% in second quarter 2016, and the adjusted combined ratio was 95.9%, after giving effect to the adverse development cover.

Year-to-Date 2017 Results

Total revenue was $3.1 billion, an increase of $0.4 billion, or 16.0%, from $2.6 billion YTD 2016. Gross written premium was $4.5 billion, an increase of $459.8 million, or 11.5%, from $4.0 billion YTD 2016. Net written premium was $2.7 billion, an increase of $0.2 billion, or 9.1%, compared to $2.5 billion YTD 2016. Net earned premium was $2.6 billion, an increase of $347.2 million, or 15.4%, from $2.3 billion YTD 2016. The combined ratio was 98.6% compared to 91.6% YTD 2016. The adjusted combined ratio was 95.8% compared to 91.6% YTD 2016.

A summary of Q2 results is listed below along with a link to the earnings release.

Financial Highlights

Second Quarter 2017 Highlights

• Second quarter gross written premium of $2.2 billion and net earned premium of $1.4 billion, up 6.1% and 16.8%, respectively, from the second quarter 2016
• Second quarter service and fee income of $168.4 million, up 35.5% from the second quarter of 2016
• Second quarter net income attributable to common stockholders of $5.8 million, or $0.03 per diluted share, compared to $127.2 million, or $0.73 per diluted share, in the second quarter 2016
• Second quarter operating earnings of $72.9 million, or $0.40 per diluted share, compared to $135.3 million, or $0.77 per diluted share, in the second quarter 2016
• Second quarter gain of $68.4 million on sale of 10.6 million shares of National General stock
• Second quarter loss ratio of 74.2% compared with 66.4% in the second quarter of 2016
• Second quarter loss ratio of 68.9% after giving effect to the adverse development cover
• Second quarter combined ratio of 101.2% compared with 91.3% in the second quarter 2016
• Adjusted combined ratio of 95.9%, after giving effect to the adverse development cover, versus 91.3% in the second quarter 2016
• Second quarter annualized return on common equity and annualized operating return on common equity of 0.9% and 11.4%, respectively
• Board of Directors approves payment of quarterly dividend on common stock of $0.17

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