AmTrust Europe Limited

AmTrust International Underwriters Limited

AmTrust Insurance Spain S.L.U.

AmTrust Nordic AB

AmTrust Europe Legal Limited

AmTrust Equine

The AmTrust Group is a multinational speciality property and casualty insurance group. Formed in 1998, it has insurance platforms in the United States, Europe and Bermuda providing a balanced portfolio of insurance products. There are over 30 AmTrust offices throughout the world.

The parent, AmTrust Financial Services, Inc. (AFSI) became publicly traded on the NASDAQ Global Market in November 2006.

With its extensive underwriting experience and a prestigious ‘A’ (Excellent) credit rating from A.M.Best, the AmTrust Group has earned a reputation as an innovative, technology driven provider of insurance products.

AmTrust Europe Limited is regulated by Financial Services Authority. From its headquarters in London, AmTrust Europe Limited focuses on working with its clients to deliver their global business needs. Its product lines include property, legal expenses, casualty (particularly employers’, public and product liability and professional indemnity insurance), warranty and other specialty risks, surety, accident & health, equine and affinity.

It underwrites from offices in London, Nottingham, Manchester, Milan and Stokenchurch. Its focus on its clients has helped it to deliver record results in 2011.

AmTrust International Underwriters Limited is based in Dublin and regulated by the Central Bank of Ireland. It specialises in affinity products, latent defect, warranty, GAP, engineering, retailer & manufacturer schemes, computer insurance and liability internationally.

Like AmTrust Europe Limited, its underwriters work closely with their clients to fully understand their business and to develop products which help the client take advantage of its opportunities.

AmTrust Europe Legal Limited provides a range of legal expense and assistance services; specialising in After the Event (ATE) and Before the Event (BTE) products.

Based in Manchester they have a strong team which includes underwriters, professional legal team, auditors and claims function.

Their business mission is to be the first choice legal expenses provider to the insurance and legal professions by providing clients with a range of cost-effective products that combine both outstanding quality and service with mutually beneficial results.

AmTrust Equine is a specialist division of AmTrust Europe Limited underwriting equine insurance directly to the consumer market. Based in Stokenchurch, it is staffed by a knowledgeable team with many years of equestrian and insurance experience.

AmTrust Insurance Spain S.L.U is an underwriting agency of AmTrust Europe Limited. Established in 2011, AmTrust Insurance Spain S.L.U is a specialist team of surety underwriters and underwrites on behalf of AmTrust Europe Limited across the globe.

AmTrust Nordic AB is the AmTrust Group's platform in Scandinavia.

Established in 2005 AmTrust Nordic AB, is a wholly owned subsidiary of AmTrust International Underwriters Limited. It is involved in underwriting, risk and claims management throughout Scandinavia. With support from colleagues in Dublin, London and Nottingham, AmTrust Nordic is able to handle the whole process from development of the idea behind a scheme to claims management.

Clients include Automotive, Banks, Leasing Companies, Retailers, Manufacturers, Trade Unions, Real Estate Agents, Real Estate Developers, Telecom Companies, Service Companies, Security Companies, Power and Utility Companies.

• AmTrust Financial Report 2011
• AmTrust Financial Service Inc. Investor Relations Website

• Operating earnings (profit before tax) £28m
• Cash, cash equivalent assets and investments £13m
• GWP up by £84m / 38%
• Combined ratio 90%