AMTRUST NORTH AMERICA, INC.
NEW YORK, NY

Information Technology in the field of insurance is a vital part of our business. The exchange of information in this environment is critical to our success, and we are always looking for innovative ways to enhance our capabilities. Accountants at AmTrust provide reporting, regulatory compliance and functional consulting, while working to contribute to day-to-day operational services, and assist in the management and operations. Our Sales agents explain our various policies and help policyholders choose plans that suit them. Members of this team ensure that every customer has the right suite of services to meet their business needs. Our mission is to grow profitably by offering our customers the best service experience, driven by innovation, transformative technology, and excellence in data analytics. AmTrust began in 1998 with a commitment to innovation in small business insurance. Since, we’ve grown into a global property and casualty provider with a broad product offering. Our company has grown, but our commitment to innovation and service remain the same. With over 7,000 employees serving 70 countries, we have become a top U.S. commercial insurer and a leading global provider of warranty products and specialty risk. But we believe as you get bigger, you also have to get better. Our investments in people and proprietary technology allow us to offer our customers the most innovative insurance products to meet their needs today and anticipate their needs for tomorrow. The more we learn from our historical claims data, the better we can build programs, products and services to help you prevent loss, prepare for risks and prevail when the unexpected occurs. . It means we are listening  and will continue to tailor our service to exceed your expectations. With an “A” rating from A.M. Best, we are well positioned to provide coverage for those in need of a strong, agile partner. Since our founding 18 years ago, AmTrust has grown organically and through more than 40 acquisitions to become one of the largest property and casualty insurers in North America, with a specialty in small commercial business, and is a growing presence internationally. AmTrust Financial Services is founded in downtown Manhattan by entrepreneurs George and Michael Karfunkel, and current Chairman, CEO and President Barry Zyskind, to focus on niche specialty property and casualty markets, which they believed were underserved by larger insurance carriers, and to focus on classes of business with lower risk loss profiles. Acquired Technology Insurance Company from Wang Laboratories, establishing a foothold in warranty insurance. AmTrust Financial Services earned $10 million in premiums in the first year. Enters the European Union specialty risk and extended warranty coverage market by forming AmTrust International Underwriters. AmTrust also acquires Rochdale Insurance Company, which holds licenses in key states, including New Jersey, New York and Texas. AmTrust enters the small business workers’ compensation insurance market, building an experienced workers’ comp underwriting team in the U.S. Develops proprietary technology to enable the efficient and profitable underwriting of a large number of small premium policies. Acquires the renewal rights for The Princeton Agency’s workers’ compensation business, expanding our presence in the U.S. Northeast and Midwest. Between 2002 and 2016, AmTrust acquires the renewal rights to 10 books of established specialty insurance business, which allows access to attractive books of business while avoiding exposure to pre-existing liabilities. Acquires renewal rights to Associated Industries Insurance Company in 2004, adding book of business in Florida. Acquires renewal rights to Alea North America’s specialty middle market P&C business. In connection with the acquisition, substantially all of Alea’s former senior management, underwriting and support team, joined AmTrust.   Acquires Wesco Insurance Company which is licensed in all 50 states and the District of Columbia. Also acquires renewal rights to Muirfield Underwriters, Ltd., an affiliate of Aon Corporation, to expand in the midwest U.S. AmTrust raises $166 million through private placement of common stock. On November 13, AmTrust lists on the NASDAQ Global Market under the symbol AFSI. Total shareholders’ equity of $307 million, which will grow to $3.5 billion by the end of 2015. Enters into a 40% quota-share reinsurance agreement with Maiden Insurance Company, securing a long-term reinsurance partner and providing valuable capital support to AmTrust. AmTrust acquires Unitrin Business Insurance, expanding commercial package coverages for small businesses, with a focus in the U.S. South, Northwest and Midwest. , the workers' compensation business unit of Swiss Re, one of the leaders in internet-based mono-line workers’ compensation. Acquires 100% of Warrantech, a Texas-based developer, marketer, and third party administrator of service contracts and aftermarket warranty products serving the consumer products and automotive industries in the U.S. and Canada, significantly increasing our fee income. AmTrust also acquires Majestic, marking AmTrust’s entrance into the California workers’ compensation market. Acquires CNH Capital Insurance Agencies, which offers insurance on construction and agricultural equipment to dealerships and retail customers, and Car Care Plan Holdings, a UK-based provider of insurance and administrative services to major auto manufacturers globally. Enters Lloyd’s of London Insurance Platform with acquisition of Sagicor Europe. Acquires Sequoia, a workers' compensation and commercial package insurance provider to small businesses in the western U.S., and First Nonprofit Companies, the third largest provider of P&C insurance products to nonprofit organizations in the U.S. Acquires the renewal rights to the Tower Group book of business to expand our small commercial insurance business in the U.S., in a deal structure that allowed AmTrust to acquire renewal rights of over $500mm in gross written premium with limited exposure to legacy liabilities. Efficiencies quickly achieved through integration with AmTrust IT and operating platform, demonstrating ability to leverage AmTrust’s deep technology expertise.