# AmeriTrust Group, Inc\. > Specialty P&C underwriting and insurance administration for select niche markets across all 50 states\. ## At a glance | Field | Value | | --- | --- | | Category | Specialty Solutions | | Type | Carrier | | Region | NA | | Headquarters | Southfield, Michigan | | Founded | 1955 | | Stage | Established | | Employees | 501-1000 | ## Overview AmeriTrust Group, Inc. is a niche-focused commercial insurance underwriter and insurance administration services company headquartered in Southfield, Michigan. The company has been developing and managing specialty property and casualty insurance programs for more than 50 years, serving select industries, specialty lines, and main street excess and surplus (E&S) exposures. The company operates through four distinct distribution segments: admitted carrier operations, excess and surplus lines carrier operations, wholesale MGU/MGA and third-party administration operations, and retail insurance agency operations. AmeriTrust's five licensed insurance carrier subsidiaries provide multiline coverage on both admitted and non-admitted bases in all 50 states. In January 2023, AF Group -- a holding company owned by Blue Cross Blue Shield of Michigan -- completed its acquisition of AmeriTrust Group. In May 2024, AM Best upgraded all AmeriTrust Group members to an "A" (Excellent) rating with a stable outlook, reflecting AmeriTrust's substantially completed integration into AF Group and its increased strategic importance. ## Products & services ### Admitted Commercial Products Specialty programs for select niche commercial markets, distributed through independent retail agents and program administrators. **Target Industries:** **Key features:** - Agribusiness \(agricultural operations, livestock and equine\) - Liquor Liability \(alcohol\-serving establishments\) - Scrap Metal Recycling - Construction - Healthcare - Hospitality - Habitational - Transportation - Manufacturing - Schools - Recreation - Professional and Retail/Service ### Excess and Surplus \(E&S\) Lines Products Provided through Century Surety Company (Century Insurance Group), targeting small to mid-sized businesses with non-standard risk profiles across all 50 states. **Coverage Lines:** **Key features:** - General Liability \(premises\-driven and contractor risks\) - Commercial Property \(small to mid\-sized fixed property\) - Inland Marine \(customized smaller\-client solutions\) - Environmental \(contractors and consultants\) - Garage and Auto Dealers \(vehicle\-related businesses\) - Excess/Umbrella - Ocean Marine \(smaller specialty risks\) - Surety \(Star Surety program: license\-permit bonds, court and probate bonds, contractor wage and welfare bonds\) *Distribution:* Selected wholesalers with long\-term relationships \(many exceeding a decade\)\. ### Programs Business AmeriTrust develops specialty P&C programs for defined niche markets and industry classes: **Key features:** - \*\*Retail Agencies\*\* \-\- Admitted commercial programs - \*\*Wholesale/MGAs\*\* \-\- Specialty intermediary\-driven programs - \*\*Specialty Program Administrators\*\* \-\- Program management for industry groups - \*\*Trade Associations\*\* \-\- Affinity and group programs - \*\*Municipalities and Public Entities\*\* \-\- Claims, loss control, and insurance services for self\-insured groups ### Claims and Administration Services **Key features:** - \*\*AmeriTrust Service Center\*\* \-\- Workers' compensation and general liability claims management - \*\*Third\-Party Administration \(TPA\)\*\* \-\- Claims and loss control services for municipalities and self\-insured groups ## Category & focus - Subcategories: Specialty P&C programs, E&S lines, program administration, TPA services - Insurance verticals: P&C Commercial, Specialty/E&S, Workers Compensation - Target customers: Agents/Agencies, Brokers, MGAs/MGUs ## Links - Website: - Directory profile: - Contact: - History: - About us: - Af group: - Carriers: - Products: - Programs: - Century insurance group: --- *Last updated: 2026\-05\-11*