AmTrust Financial vs Travelers
An honest side-by-side comparison of two of our top workers comp insurance picks — pricing, strengths, weaknesses, and who each one is really for.
AmTrust Financial
Ranked #4 of 15 in this directory
Specialized small business workers comp with fast online quoting and approval
Travelers
Ranked #2 of 15 in this directory
Industry leader in workers comp with risk control services and loss prevention
Our pick: Travelers. Our editors rank Travelers higher overall in Workers Comp Insurance — but AmTrust Financial can be the better fit depending on your budget and use case below. How we review
Compare the details
| AmTrust Financial | Travelers | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | Restaurant | Construction |
| Editorial rank | #4 of 15 | #2 of 15 |
Strengths
AmTrust Financial
- ✓Specializes in small accounts that larger carriers may decline or price too high
- ✓Fast online quoting and approval for many standard business classes
- ✓TrustOnline portal provides real-time access to policies and claims
- ✓Competitive pricing for restaurants, retail, and professional services
- ✓Strong A.M. Best financial strength rating
Travelers
- ✓Dedicated risk control consultants provide on-site safety assessments
- ✓One of the largest and most financially stable workers comp carriers
- ✓Specialized programs for high-hazard industries like construction and manufacturing
- ✓Fast and fair claims resolution with experienced claim professionals
- ✓Extensive network of medical providers for injured worker care
Watch out for
AmTrust Financial
- !Customer service quality has received mixed reviews in some markets
- !Not ideal for large or complex accounts that require dedicated underwriting attention
- !Claims resolution speed can vary by state and injury type
- !Limited availability in some states for certain business classes
Travelers
- !Premiums tend to run higher than regional carriers for small accounts
- !Requires working through an independent agent — not available direct
- !Risk control services may feel intrusive for businesses with existing safety programs
- !Policy terms can be rigid for businesses with seasonal workforce fluctuations
Best use cases
AmTrust Financial
- →Restaurant owner needing affordable workers comp for kitchen and wait staff
- →Small retailer that larger carriers have declined or overpriced
- →New business needing fast online workers comp approval with minimal paperwork
Travelers
- →Construction company needing workers comp with active safety consulting
- →Mid-sized manufacturer looking for a financially stable, long-term carrier
- →High-hazard employer wanting comprehensive loss prevention support
About each tool
AmTrust Financial
AmTrust Financial Services is a leading specialty insurer focused heavily on small businesses, offering workers compensation as its flagship product. AmTrust is known for competitive pricing on small accounts that larger carriers often overlook, fast online application and approval, and a streamlined claims process. The company serves over 30 industries and is particularly strong for retail, restaurants, and professional services. AmTrust's TrustOnline portal provides employers with real-time access to certificates, policies, and claims status.
Travelers
Travelers is one of the largest workers compensation insurers in the United States, offering comprehensive coverage with a strong emphasis on workplace safety and risk control. The company assigns dedicated risk control consultants to policyholders who conduct on-site assessments and provide tailored safety recommendations. Travelers' Claim Professionals team is known for fast, fair claims resolution. The insurer also offers specialized programs for high-hazard industries including construction, manufacturing, and healthcare, backed by superior AM Best financial strength ratings.
Still deciding? Browse all 15 options with honest pros, cons, and pricing.
See all Workers Comp Insurance →