What AmTrust Assicurazioni does

AmTrust Assicurazioni S.p.A. is an Italian regulated insurance company headquartered in Milan that specializes in medical malpractice (Medmal) and professional liability coverage for the Italian healthcare sector. Founded in 2008 after receiving ISVAP authorization (now IVASS n. 1.00165) and formally registered in the Italian Companies Register in June 2019, the company operates as the Italian carrier within the AmTrust international insurance group, alongside AmTrust International Underwriters DAC (regulated by the Central Bank of Ireland), which maintains an Italian branch at the same Milan address.

The company's product portfolio is organized into six lines: large hospital civil liability (Grandi Ospedali), clinical and laboratory coverage (cliniche, laboratori, farmacie, poliambulatori, residenze sanitarie, studi dentistici), professional liability for medical and non-medical professionals (Medico Protetto, Dentista Protetto, Colpagrave Extra, Avvocati, Commercialista Protetto, Ingegno Protetto, Pubblico Impiego), accident insurance (Infortuni SUPERVALORE, Infortuni h24, Protezione Infortuni Base), legal protection (Tutela Medici, Tutela Imprese e Professionisti, Tutela Al Volante), and cyber insurance (CYBER ECOSYSTEM_MED and CYBER ECOSYSTEM_PMI). Policies are designed to comply with Italian healthcare regulations, in particular Legge Gelli (Law 24/2017) on professional liability. The company has no proprietary technology platform; its core "technology" is conventional insurance underwriting and claims administration, with policy administration supported by dedicated intermediary and client web portals.

AmTrust distributes its products exclusively through a network of over 300 intermediaries (agents and brokers) across Italy, supplemented by direct relationships for major hospital groups. Revenue is generated through annual insurance premiums collected on a quote-based, subscription model priced to individual risk profiles. The company insures over 40% of Italian hospital entities and over 100,000 doctors, with 16+ years of continuous operation in the Italian market. It is a privately held subsidiary of AmTrust Financial Services, with social capital of €5.5 million and no public listing.

Name

AmTrust Assicurazioni

Legal name

AmTrust Assicurazioni S.p.A.

Website

https://amtrust.it

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

AmTrust Assicurazioni S.p.A. is an Italian insurance carrier specializing in medical malpractice and professional liability coverage for hospitals, clinics, medical professionals, and non-medical professionals in Italy, distributing via 300+ intermediaries.

Ownership category

akta.pro rank

Product category

Medical Malpractice Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Medical Malpractice Liability (FSAJADAK)

akta.pro secondary industries

Professional Liability (Errors & Omissions) (FSAJADAB), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Medical malpractice insurance
• Professional liability insurance
• Healthcare insurance
• Cyber insurance
• Legal protection insurance

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: AmTrust Assicurazioni generates revenue through insurance premiums collected from policyholders. The company offers various insurance products including medical malpractice (RC Professionale), liability insurance, accident insurance, legal protection, and cyber insurance for healthcare facilities and professionals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

AmTrust Assicurazioni S.p.A. is an Italian insurance company that underwrites and distributes medical malpractice (RC Professionale) and professional liability insurance for healthcare facilities, medical professionals, and other qualified professionals (lawyers, accountants, engineers, public administration employees). Its portfolio also covers accident insurance, legal protection, and cyber risk insurance tailored to healthcare structures and small/medium enterprises in Italy. Products are designed to comply with Italian healthcare regulations including Legge Gelli (Law 24/2017).

Product overview

AmTrust Assicurazioni offers a comprehensive insurance product portfolio organized into six main categories: (1) Large Hospitals (Grandi Ospedali) for hospital liability coverage; (2) Clinics and Laboratories including AmTrust Istituti Clinici, Farmacie, Poliambulatori, Residenze Sanitarie, and Studi Dentistici; (3) Medical Professionals and Other Professionals including AmTrust Medico Protetto, Dentista Protetto, MedicoUnder35, Colpagrave Extra, Professionista Sanitario Protetto, Pubblico Impiego, Avvocati, Commercialista Protetto, Ingegno Protetto, and Farmacista Protetto; (4) Accidents and Illness including Infortuni SUPERVALORE, Infortuni h24, and Protezione Infortuni Base; (5) Legal Protection including Tutela Medici, Medici & Sanitari Collettiva, Tutela Imprese e Professionisti, and Tutela Al Volante; (6) Cyber insurance including CYBER ECOSYSTEM_MED and CYBER ECOSYSTEM_PMI. The company operates as a specialized provider focused on Medical Malpractice (Medmal) insurance, providing coverage to healthcare facilities, medical professionals, and other business professionals across Italy.

Differentiator

Problem solved

Functional benefit

Products and services

• Grandi Ospedali Insurance programs and coverage for the protection of large public and private hospitals, providing Civil Liability (RC) coverage.
• AmTrust Istituti Clinici Insurance for civil liability (RCT) and liability towards workers (RCO) of private healthcare or socio-healthcare facilities, covering employees, freelancers, and affiliated personnel.
• AmTrust Farmacie Insurance contract for professional civil liability, towards third parties and workers, for pharmacies.
• AmTrust Poliambulatori Insurance for civil liability of outpatient clinics and private analysis laboratories with registered office in Italy; provides RCT and RCO coverage.
• AmTrust Residenze Sanitarie Insurance for private healthcare and social-assistance facilities such as nursing homes with overnight accommodation; provides RCT and RCO coverage.
• AmTrust Studi Dentistici Insurance policy for dental practices that exclusively carry out dentistry activities, providing RCT and RCO coverage for healthcare and socio-assistance private structures.
• AmTrust Medico Protetto Insurance that protects the professional civil liability of doctors in freelance practice.
• AmTrust Dentista Protetto Insurance that protects the activity of dentist and/or orthodontists, insuring the dentist for professional civil liability in freelance practice.
• AmTrust MedicoUnder35 Policy that insures medical professionals under 35, registered with the relevant Professional Register, for professional activity carried out before obtaining the diploma of specific training in General Medicine or the specialization diploma.
• AmTrust Colpagrave Extra Insurance for civil and administrative professional liability for gross negligence of public or private doctors and medical residents.
• AmTrust Professionista Sanitario Protetto Insurance for professional civil liability and assault accidents for non-medical healthcare and socio-healthcare professionals.
• AmTrust Pubblico Impiego Insurance aimed at employees and/or administrators of Public Administration, providing base coverage for Administrative and Administrative/Accounting liability, with optional legal protection and accident coverage.
• AmTrust Avvocati Policy aimed at lawyers and enabled trainees carrying out the profession individually as well as professional associations and companies, combining RC Professionale with RCT/RCO and accident medical expense reimbursement.
• AmTrust Commercialista Protetto Policy for professional civil liability and legal protection, dedicated to professionals in the accounting, tax and fiscal world.
• AmTrust Ingegno Protetto Insurance for professional civil liability for architects, planners, landscape architects and conservators, engineers, surveyors and graduate surveyors, industrial experts, agronomists, agricultural technicians.
• AmTrust Farmacista Protetto Insurance that protects the professional civil liability of pharmacists.
• AmTrust Infortuni SUPERVALORE Insurance for professional and extra-professional accidents for doctors and non-medical healthcare personnel, including death from accident, permanent disability, medical expense reimbursement, daily hospitalization allowance and 3 viruses coverage.
• AmTrust Infortuni h24 Policy that insures individuals for accidents during professional activities including commuting risk (Professional Risk) and during non-professional activities (Extra Professional Risk).
• AmTrust Protezione Infortuni Base Policy that insures doctors and healthcare personnel for accidents suffered during professional activities, including commuting and extra-professional risks.
• AmTrust Tutela Medici Legal protection insurance for doctors.
• AmTrust Medici & Sanitari Collettiva Legal protection insurance for doctors and non-medical healthcare professionals, offered on a collective basis.
• AmTrust Tutela Imprese e Professionisti Legal protection insurance for freelancers and businesses.
• AmTrust Tutela Al Volante Policy that insures people driving vehicles for legal expenses in cases of disputes related to road traffic.
• AmTrust CYBER ECOSYSTEM_MED Insurance contract against IT risks for healthcare and socio-healthcare assistance structures.
• AmTrust CYBER ECOSYSTEM_PMI Insurance coverage against IT risks dedicated to legal entities, composed of Section A) Civil Liability for Third Party Damages (mandatory) and Section B) Financial Protection for Own Damages (optional).

Quantifiable outcome

• Insures over 40% of hospital entities in Italy
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• AmTrust International Underwriters DACcoreOthersAmTrust International Underwriters DAC is the parent company and primary reinsurance partner of AmTrust Assicurazioni S.p.A. The Irish-based company provides underwriting capacity and is transferring a portion of its Italian insurance portfolio to AmTrust Assicurazioni as part of portfolio restructuring.
• Network of 300+ Insurance IntermediariescoreChannel Partner/ Reseller/ DistributorAmTrust collaborates with over 300 insurance intermediaries (agents and brokers) who distribute its products throughout the Italian market, covering the entire national territory to reach healthcare facilities and professional clients.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ITAS Mutua: Italian mutual insurance group with a strong northern Italy presence offering P&C and professional liability including coverage for healthcare professionals. Comparable to AmTrust as a domestically focused insurer competing in similar professional and healthcare segments.
• Vittoria Assicurazioni: Italian P&C insurer specializing in non-standard and professional risks including healthcare and SME commercial lines. Comparable to AmTrust as a mid-sized Italian carrier targeting specialty and professional liability segments.
• Reale Mutua: Italian mutual insurer with strong focus on P&C, professional liability and healthcare facility coverage. Comparable to AmTrust as a domestically focused Italian insurer competing in the same Medmal and professional liability niches.
• HDI Assicurazioni: Italian P&C insurer (part of Talanx Group) focused on commercial and professional lines including liability and healthcare. Comparable to AmTrust as a competitor for Italian SME and professional liability customers, including healthcare-adjacent segments.

Broad incumbents

• Cattolica Assicurazioni (Generali Group): Italian insurance company now part of the Generali Group, historically strong in professional and healthcare insurance markets. Comparable to AmTrust in overlapping Italian Medmal and professional liability offerings, particularly in agent/broker distribution.
• Generali Italia: Largest Italian insurance group offering a broad P&C, life and health portfolio including medical malpractice for healthcare facilities and professionals. Directly comparable as a competitor to AmTrust's Italian Medmal and professional liability lines, though operating across all major lines rather than specializing.
• Zurich Italy: Italian operations of Zurich Insurance Group offering commercial and specialty P&C including healthcare professional liability. Comparable to AmTrust in healthcare-related coverage, but operating globally with broader product depth.
• Allianz Italia: Italian arm of global insurer Allianz, providing P&C, professional liability and specialty cover including healthcare-related lines. Comparable to AmTrust in product overlap for healthcare and professional liability, but as part of a global, multi-line group.
• AXA Italia: Italian subsidiary of AXA offering P&C, health and professional liability insurance including coverage for medical and non-medical professionals. Directly comparable in serving Italian healthcare professionals and facilities, though as part of a broader multi-line portfolio.
• UnipolSai Assicurazioni: One of Italy's largest P&C insurers with significant healthcare, professional liability and accident products. Comparable to AmTrust as a domestic Italian carrier serving similar healthcare and professional segments, but with a much broader product portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube-nocookie.com/embed/tfaYB2eQB6U

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AmTrust Assicurazioni