AmeriTrust
AmeriTrust is a commercial P&C insurance underwriter and administration services company operating five carrier subsidiaries across all 50 states, providing specialty admitted and non-admitted coverages to SMBs, trade associations, and 1,700+ public entities via agent and MGA distribution channels.
- Company typePrivate
- Founded1955
- HeadquartersSouthfield, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
What AmeriTrust does
AmeriTrust Group, Inc. is a commercial insurance underwriter and insurance administration services company that operates as a multi-carrier specialty property and casualty insurance holding system. The company is structured around five wholly-owned insurance carrier subsidiaries (Star Insurance Company, Century Surety Company, Williamsburg Insurance Company, ProCentury Insurance Company, and Ameritrust Insurance Corporation) that write both admitted and non-admitted business across all 50 states, with primary concentration in workers' compensation, commercial package, excess and surplus lines, and specialty programs for industries including trucking/transportation, agribusiness, scrap metal recycling, liquor liability, construction, and municipalities/public entities.
AmeriTrust generates revenue primarily through insurance premiums collected from policyholders (subscription/recurring model via annual policy renewals with monthly billing) and through professional insurance administration services including claims management, risk control, underwriting, actuarial analysis, and reinsurance placement provided to self-insured groups and public entities. The company operates an agency subsidiary network comprising Managing General Agents (Interline Insurance Services), retail agencies (Commercial Carriers Insurance Agency), wholesale agencies (Mackinaw Underwriters), and third-party administrators (Mackinaw Administrators, serving 1,700+ public entities).
The company's go-to-market is distribution-led through independent retail agents, wholesalers, program administrators, general agents, and trade association endorsements. Technology infrastructure consists of online rate/quote/bind policy issuance systems (AmeriTrust Online System for workers' comp; Century On-Line for E&S), a 24/7 First Report of Injury claims portal, online bill pay supporting ACH/credit card/scheduled payments, and agent portals. AmeriTrust became a division of AF Group in 2022 following acquisition by Accident Fund Insurance Company of America.
AmeriTrust firmographics
Firmographics- Name
- AmeriTrust
- Legal name
- AmeriTrust Group, Inc.®
- Website
- https://ameritrustgroup.com
- Company type
- Private
- Founded year
- 1955
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- AmeriTrust is a commercial P&C insurance underwriter and administration services company operating five carrier subsidiaries across all 50 states, providing specialty admitted and non-admitted coverages to SMBs, trade associations, and 1,700+ public entities via agent and MGA distribution channels.
- Ownership category
- akta.pro rank
AmeriTrust industry classification
Industry- Product category
- Specialty Commercial Property & Casualty Insurance
- NAICS
- Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Claims Adjusting (524291)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)
- akta.pro primary industry
- Product Liability & Recall (FSAJAGAG)
- akta.pro secondary industries
- Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Fidelity Bonds (Employee Dishonesty) (FSAJAIAD), Aviation Specialty (FSAJAGAK), Commercial Excess Liability (Large Accounts) (FSAJANAG)
Keywords
Where AmeriTrust is headquartered
LocationHeadquarters
- HQ city
- Southfield
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
AmeriTrust business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premium Revenue: AmeriTrust generates revenue through insurance premiums collected from policyholders across its five carrier subsidiaries. The company writes property and casualty insurance on both admitted and non-admitted basis, with significant concentration in workers' compensation and commercial package business.
- Insurance Administration Services: Risk management and administrative services provided to municipalities, self-insured groups, and public entities including claims management, risk control, underwriting services, regulatory compliance, and reinsurance placement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Commercial insurance products tailored to small-to-medium sized businesses |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels3 records
AmeriTrust product offering
Product offeringCore offering
AmeriTrust Group, Inc. is a specialty commercial property and casualty insurance holding company that underwrites admitted and non-admitted coverages through five carrier subsidiaries, with significant concentration in workers' compensation and commercial package business. The company distributes products through independent retail agents, wholesalers, managing general agents, program administrators, and trade associations, while also providing claims administration and risk management services to municipalities, public entities, and self-insured groups via Mackinaw Administrators.
Product overview
AmeriTrust Group, Inc. is a niche-focused commercial insurance underwriter and insurance administration services company that operates as a multi-carrier insurance holding system with both admitted and non-admitted solutions across all 50 states. The company offers a platform-plus-subsidiary architecture consisting of five insurance carrier subsidiaries (Star Insurance Company, Century Surety Company, Williamsburg Insurance Company, ProCentury Insurance Company, and Ameritrust Insurance Corporation) that provide specialty property and casualty insurance programs including commercial package and automotive coverages. Additionally, AmeriTrust operates agency subsidiaries (Interline Insurance Services, Commercial Carriers Insurance Agency, Mackinaw Underwriters, and Mackinaw Administrators) that provide managing general agent services, retail/wholesale agency operations, and claims administration/risk management programs. The product portfolio includes admitted commercial products (Agribusiness, Liquor Liability, Scrap Metal Recycling), excess and surplus lines products (general liability, commercial property, inland marine, environmental, garage & auto dealers, excess/umbrella, ocean marine, surety), and supplementary services (risk management, claims services, self-insured group administration, municipalities & public entities services). Distribution occurs through independent retail agents, wholesalers, program administrators, and general agents.
Differentiator
Problem solved
Functional benefit
Brands
- Safetysurance: Risk management platform launched in 2013 for public entity risk management and insurance programs.
- Star Surety
Products and services
- Workers' Compensation Insurance Workers' compensation coverage written primarily by Ameritrust Insurance Corporation for employers across the U.S., licensed on admitted basis in Florida, Massachusetts, Michigan, Missouri, Nebraska, New Hampshire, New Jersey, Texas, Vermont, and Wisconsin, with surplus lines operations in Arizona.
- Commercial Property & Casualty Package Insurance Group property and casualty lines underwritten through Star Insurance Company on admitted and non-admitted basis across all 50 states and DC, providing commercial package, general liability, property, inland/ocean marine, professional liability/E&O, products liability, employment practices liability, auto, and umbrella/excess coverages for trade associations, public entities, affinity groups, individual businesses, professionals, captive insurance companies, and alternative risk funding vehicles.
- Excess & Surplus Lines Coverage Commercial excess and surplus lines coverage solutions written primarily through Century Surety Company (in 48 states) and ProCentury Insurance Company (admitted in 34 states and DC, surplus lines in Ohio), covering general liability, commercial property, inland marine, environmental, garage and auto dealers, excess/umbrella, and ocean marine. Includes Star Surety commercial surety program offering license-permit bonds, court and probate bonds, lost instrument bonds, public official bonds, and contractor wage and welfare bonds.
- Agribusiness Insurance Specialized property and casualty insurance coverage options for farming operations including hobby farms, nut growers, row crops, vegetables, fruit & citrus orchards, vineyards, dairies, cattle ranches, and related agricultural businesses.
- Liquor Liability Insurance Liquor liability coverage for target classes including banquet halls, bars, taverns, bowling centers, convenience stores, restaurants, wineries, microbreweries, and other commercial establishments with liquor exposure. Offers 24-48 hour quote turnaround with limits from $50,000 to $1,000,000 aggregate.
- Scrap Metal Recycling Insurance Comprehensive coverage options for companies that collect, process, broker, and sell scrap metal and glass, including auto dismantling and recycling operations. Available coverages include property, inland marine, auto liability, workers' compensation, and umbrella coverage up to $5,000,000.
- Trucking and Transportation Insurance Trucking and transportation industry coverages underwritten by Williamsburg Insurance Company, including tailor-made auto liability, physical damage, motor truck cargo, and general liability for trucking operations. Licensed and admitted in 37 states with surplus lines operations in Missouri.
- Risk Management & Program Administration Services Outsourced insurance program administration services including claims management and administration, call center, electronic first report of injury, medical cost containment, risk control, site inspections, premium audit, underwriting services, regulatory and compliance support, reinsurance placement, accounting and reporting, financial modeling, actuarial analysis, and feasibility studies.
- Municipalities & Public Entities Risk Management Services Public entity risk management services for municipalities, utility and transit authorities, counties, and road commissions. Includes claims management, risk control, safety program assessments, accident investigations, SHA compliance consulting, onsite training, underwriting, policy issuance, feasibility studies, actuarial analysis, reinsurance placement, and litigation management.
- Self-Insured Group Administration Services Administration services for self-insured groups through Mackinaw Administrators, including hazard analysis, risk control, and safety management. Members combine resources managing a common fund to finance losses with long-term commitment to proper risk selection, timely claims handling, and prudent financial management.
- Claims Handling Services Claims handling services including call center, claims administration, claim reporting, electronic first report of injury, SCHIP data reporting, Medicare Set Aside agreements, and medical cost containment. Available 24/7 for self-insured clients and policyholders of affiliated insurance companies.
Quantifiable outcome
- Serves over 1,700 public entities through Mackinaw Administrators
Companies that use AmeriTrust
Customer profileSegments5 records
Ideal customer profiles4 records
AmeriTrust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
AmeriTrust partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
AmeriTrust competitors and assessment
Company assessmentBroad incumbents
- AF Group: AF Group is AmeriTrust's parent company (via Accident Fund Insurance Company of America) and a nationally recognized specialty insurance holding company. It is comparable as the broader platform into which AmeriTrust's carriers and agencies are integrated.
- Markel Group: Markel is a large specialty insurer with leading positions in E&S, professional liability, and specialty programs, complemented by insurance-linked securities. It is comparable to AmeriTrust as a specialty P&C underwriter with strong program-builder and E&S capabilities.
Direct peers
- AmTrust Financial Services: AmTrust is a multi-carrier specialty P&C group that underwrites small commercial business, workers' compensation, and specialty lines on both admitted and non-admitted bases. Like AmeriTrust, it operates a multi-carrier platform with agency/MGA distribution and a focus on niche commercial classes.
- RLI Corp: RLI is a specialty P&C insurer writing niche commercial and personal lines through independent agents, with particular strength in E&S and unusual-risk classes. It is comparable to AmeriTrust's specialty commercial and E&S franchise and multi-channel agent distribution.
- Employers Holdings: Employers Holdings is a workers' compensation-focused specialty insurer writing small-business WC across U.S. states. It is comparable to AmeriTrust given the 'significant concentration' of WC premium across multiple AmeriTrust carriers and the dedicated Ameritrust Insurance Corporation WC writer.
- James River Group Holdings: James River Group is a specialty P&C insurer with E&S and admitted commercial excess and surplus lines operations, often distributed through wholesale partners. It is comparable to AmeriTrust's Century Surety E&S franchise and specialty commercial focus.
- ICW Group: ICW Group is a private, mutually owned specialty P&C insurer with a strong workers' compensation franchise serving small businesses, municipalities, and public entities. It is comparable to AmeriTrust's WC concentration and its 1,700+ public entity Mackinaw Administrators book.
- Accident Fund Holdings: Accident Fund is a workers' compensation specialist and sibling company under AF Group (the parent of AmeriTrust). It is comparable to AmeriTrust's WC carriers as a sister WC franchise inside the same AF Group umbrella.
- EMC Insurance Companies: EMC Insurance is a regional specialty P&C group writing commercial lines, including workers' compensation and specialty commercial products, primarily through independent agents. It is comparable to AmeriTrust's specialty admitted commercial and WC book and its multi-carrier state-by-state approach.
Emerging players
- Kinsale Capital Group: Kinsale is a fast-growing E&S commercial insurer focused on small-to-medium accounts with high underwriting discipline and broker distribution. It is comparable as an emerging competitor in the same non-admitted specialty P&C distribution channels AmeriTrust's Century Surety uses.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
AmeriTrust social profiles
Digital presenceAmeriTrust compliance and trust
Trust signalCompliance2 records
AmeriTrust financial estimates
Financial estimateRevenue estimate
Valuation estimate
AmeriTrust leadership team
Management profileNumber of profiles
Profiles3 records
AmeriTrust subsidiaries and ownership
Company hierarchySubsidiaries10 records
AmeriTrust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AmeriTrust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AmeriTrust
What does AmeriTrust do?
AmeriTrust Group, Inc. is a specialty commercial property and casualty insurance holding company that underwrites admitted and non-admitted coverages through five carrier subsidiaries, with significant concentration in workers' compensation and commercial package business. The company distributes products through independent retail agents, wholesalers, managing general agents, program administrators, and trade associations, while also providing claims administration and risk management services to municipalities, public entities, and self-insured groups via Mackinaw Administrators.
Is AmeriTrust a public or private company?
AmeriTrust is a private company. It is classified as corporate owned and is currently operating.
When was AmeriTrust founded?
AmeriTrust was founded in 1955. It employs 501 to 1,000 people.
Where is AmeriTrust based?
AmeriTrust is headquartered in Southfield, United States, in the North America region.
How does AmeriTrust make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are insurance Administration Services.
Who are AmeriTrust's main competitors?
Broad incumbents on record are AF Group and Markel Group. Direct peers are AmTrust Financial Services, RLI Corp, Employers Holdings, James River Group Holdings, ICW Group, Accident Fund Holdings and EMC Insurance Companies. Kinsale Capital Group is listed as an emerging player.
Does AmeriTrust have an API?
No public API is recorded for AmeriTrust.
What industry is AmeriTrust in?
AmeriTrust's product category is Specialty Commercial Property & Casualty Insurance. Its primary akta.pro industry code is FSAJAGAG, Product Liability & Recall, with a secondary code of FSAJAGAD, Management Liability (D&O/EPL/Fiduciary). Its NAICS code is 5241 and its SIC code is 6331.