Amtrust Financial Services, Inc. (AmTrust) is a multinational insurance holding company, which offers specialty property and casualty insurance products, including workers' compensation, business owner’s policy (BOP), general liability and extended service and warranty coverage. AmTrust offers insurance protection, warranty programs and risk management services to small businesses, professional and financial services firms, retailers, and manufacturers worldwide. The Company’s divisions include AmTrust International, AmTrust Title, Excess & Surplus, Specialty Programs, Specialty Risk, and AmTrust Surety. AmTrust's small commercial solutions consists of businessowners policy, workers' compensation, commercial package, cyber insurance, employment practices liability insurance (EPLI), general liability and commercial property. The Company offers its products and solutions to various industries, which include healthcare, transportation, financial institutions, nonprofit, and restaurants.