AmTrust – Carrier Partner Supporting Long-Term-Care Facilities Through Program Relationships

Supporting Senior-Care Ecosystems Directly Through Long-Term-Care Facility Liability Programs

AmTrust Financial is a multinational property-and-casualty insurer known for small-business and specialty programs. In the long-term-care sector, AmTrust partners with program administrators such as Amwins Program Underwriters on comprehensive long-term-care facility programs, providing the underlying carrier capacity. Amwins’ Long-Term Care Facilities program, backed by an A-rated XIII carrier, offers comprehensive liability coverage for LTC facilities nationwide with primary PL/GL limits up to 1 million per claim and 3 million aggregate per location and excess umbrella up to 5 million.

Who Is AmTrust in Senior-Care Risk?

AmTrust supplies capacity behind LTC programs that cover skilled-nursing facilities, assisted-living, and similar operations, often in partnership structures where the program administrator handles distribution and underwriting. These programs provide primary professional- and general-liability coverage, employee-benefits liability, and optional umbrella limits with flexible retentions and first-dollar options.

Through such arrangements, AmTrust plays a key role in enabling nationwide LTC facility programs that address the specific liability exposures of nursing-home and long-term-care operators.

Why Senior-Care Ecosystems Need AmTrust

Senior-care ecosystems rely on AmTrust when:

• LTC facilities participate in programs backed by AmTrust carrier capacity.
• They need comprehensive PL/GL and umbrella coverage tailored to LTC risks.
• They value program structures that blend specialized underwriting with a strong carrier balance sheet.

This makes consistent incident and claims data at both facility and portfolio level essential for program success.

Case Study

A multi-state LTC operator participates in an Amwins LTC program backed by AmTrust. The program team and AmTrust request five-year loss histories, claim narratives by allegation type, exposure data (beds, case-mix, staffing), and information on adherence to risk-management recommendations. Each facility tracks incidents differently, making it difficult to benchmark performance or demonstrate the impact of new fall-prevention and pressure-injury initiatives.

The operator implements Caring Data to standardize incident reporting across facilities, aligning categories and severities with the program’s application and reporting expectations. AmTrust and the Amwins program underwriters use the structured dataset to refine pricing, retentions, and risk-management focus, while the operator gains clearer insight into which initiatives most reduce losses across its LTC portfolio.

Testimonials

“Our program underwriter told us AmTrust really valued the consistency and depth of the Caring Data reports we sent with our LTC submission.”

“We now see how standardized incident data supports more sustainable long-term-care capacity and pricing.”

Key Contact

AmTrust Financial

Role: P&C insurer providing carrier capacity for long-term-care facility programs and other specialty small-business and healthcare-related lines.

Website:
https://www.amtrustfinancial.com

Address (listing):
59 Maiden Lane, 6th Floor, New York, NY 10038

Phones (listing): 877-528-7878 / 888-239-3909

Email (listing): Andrew.Morgan@amtrustgroup.com

Contact (listing): Andrew Morgan

Final Thoughts

Senior-care ecosystems benefit when carriers like AmTrust support dedicated LTC facility programs with strong financial backing and flexible structures. Caring Data complements these programs by delivering structured incident and claims information that underpins underwriting, pricing, and long-term partnership.

Berkley Healthcare – Senior-Care Professional & General Liability – United States