Agent FAQ

AmeriTrust Group, Inc. has been protecting small business owners since 1955 with insurance products, risk management resources, and superior claims services. We have 17 offices nationwide and employ over 800 insurance industry professionals. The range of commercial insurance products available through AmeriTrust Small Commercial is broad and competitively priced. We are committed to providing the following:

• A diverse property and casualty product offering for small businesses with a broad underwriting appetite
• Competitive agent commissions and incentives
• Convenient online self-service portals and an excellent service center team trained to respond to appointment, submission, policy, billing, and claims-related inquiries

While we have technology available for easy online submissions and quotes, we are committed to offering service with a “human touch.” That means our experienced service team members are available to answer questions our agents or their clients may have. We help agents understand our risk appetite right away with transparent underwriting rules. We offer submission-oriented production goals and limited distribution models that allow appointed agents to have a niche value in their respective markets. This effectively supports agents in any industry cycle.

AmeriTrust Small Commercial offers a wide range of Workers’ Compensation and Business Owners Policy (BOP) coverage options at competitive prices, with excellent claims, loss control, and customer service. We have a broad appetite for Workers’ Compensation business with over 250 eligible class codes.

Our BOP has three levels of coverage – Platinum, Gold, and Silver. Businesses can select the option that best suits their needs. The AmeriTrust Small Commercial BOP is especially attractive to small business owners because we offer a multi-year rate lock option in most states. For many industries, fleet commercial auto, and/or umbrella coverage can be added to our BOP policies. Cyber and Professional Liability add-on coverages are also available to BOP policyholders. More details about our products can be found on our Product Information page.

To get appointed with us, simply submit your information via our online form and we will get back to you with next steps as soon as possible. Please note that additional documentation will be required before your appointment is confirmed. Once our review has been completed and the appointment is confirmed, a member of our team will schedule an orientation call for you and your team.

The agency as well as the agent who is appointed must have appropriate licensing in the states in which we will appoint them. Please note that we run background checks for all appointment requests.

Click to Start The Appointment Process!

AmeriTrust Small Commercial operates in all 50 states, so all agents are welcome to apply! However, there are currently 15 states that we have enhanced interest in for recruitment purposes. See the list below for the states that we are targeting to increase our agent representation:

• California
• Texas
• Georgia
• Virginia
• Colorado
• Michigan
• Minnesota
• Maryland
• Missouri
• Arizona
• North Carolina
• South Carolina
• Indiana
• Tennessee
• Connecticut

Our appetite is broad for both our Workers’ Compensation products and our Business Owners’ Policies (BOPs) for our Small Business Insurance solutions. Our target classes for Workers’ Comp includes florists, landscapers, clothing and textile manufacturers, wilders, plumbers, furniture movers, and many others. For more information, please see our Workers’ Compensation Product page.

Our BOPs are also marketed to a range of small businesses. Among the target classes are accounting services (CPAs), delis and sandwich shops, fence dealers, lawyers, medical offices, and veterinarians. For more information, please see our BOP Product page.

Independent agents are welcome to request an appointment! To get started with AmeriTrust Small Commercial, fill out our online agent appointment form. Be advised that all agents who apply must be licensed and are subject to a background check.

The latest AmeriTrust A.M. Best Financial Strength Rating is “A-” (Excellent), with a Stable Outlook.

KBRA affirms the “A-” Insurance Financial Strength Ratings (IFSR) of AmeriTrust Group, Inc. (AmeriTrust) key subsidiaries Star Insurance Company, Century Surety Company, Ameritrust Insurance Corporation, Williamsburg National Insurance Company, and ProCentury Insurance Company with Stable Outlook.

Please download this agent contact sheet for quick future access.