Commercial Casualty

AmTrust E&S provides General Liability and Product Liability Insurance on a primary basis for a broad spectrum of commercial and residential contractors, manufacturers, OL&T, service operations and many other types of small to mid-sized commercial risks.

Our strength lies in our experience and flexible underwriting, allowing us to work closely with our brokers to develop an insurance solution best suited for each individual client’s needs.

Manufacturers & Distributors: Non-frequency, commercial and industrial products; consumer based products can be considered based on exposure and loss history

Commercial Contractors: Wide array of smaller to mid-sized artisan, specialty trade and commercial & industrial general contractors engaged in the construction of new commercial buildings and the maintenance, service, repair or remodeling of existing commercial structure

Residential Contractors: Coverage is offered on a Practice or Project Specific basis for a wide array of small to mid-sized residential artisan and general contractors engaged in the construction of new buildings; and the maintenance, service, repair or remodeling of existing residential structures.

Real Estate & Habitational: A wide variety of real estate lessors risk exposures and habitational accounts including but not limited to shopping centers/strip malls, office buildings, industrial/warehouse and apartments

Hospitality & Leisure: AmTrust E&S will selectively entertain establishments within sections of the hospitality industry including the selling, serving, or furnishing of alcoholic beverages. We entertain a wide variety of classes ranging from "mom and pop" taverns and family restaurants to upscale restaurants, hotels as well as unique operations such as microbreweries and wine bars.

Coverages Offered

  • Commercial General Liability
  • Product Liability
  • Discontinued Product Liability
  • Completed Operations Liability
  • OCP Liability
  • Occurrence Coverage Form
  • Claims-Made Coverage Form

Optional Coverage Available

  • Employee benefits liability - claims made
  • Garage keepers liability
  • Hired and Non-Owned auto liability
  • Liquor liability
  • Stop gap liability
  • Customized coverage extensions & enhancements
  • Individual/blanket additional insured
  • Per project and per location aggregate endorsements
  • Primary and non-contributory wording
  • Vendors coverage
  • Waivers of subrogation

Policy Limits/Capacity

  • $1 million per occurrence/$2 million general aggregate/$2 million products aggregate
  • $1 million liquor liability


  • ISO Coverage Forms
  • Manuscripted forms, endorsements and exclusions tailored for individual risks
  • The flexibility to manuscript coverage to create the risk transfer solutions that best support your clients’ needs

Deductible/SIR Requirements

  • Deductibles on accounts will vary based on class and exposure from $1,000 to $25,000 per claim/occurrence
  • Minimum SIR: $25,000, use of an approved claims administrator is required for claims within the SIR

Premium Threshold

  • Flexible minimum premiums, generally starting at $15,000


  • This product is offered on a non-admitted basis and distributed through a select network of appointed excess and surplus wholesale agents and brokers

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