AmTrust Financial Services is a NYC based multinational property and casualty insurance company principally in North America, Europe, and Scandinavia. The company operates in three segments: Small Commercial Business Insurance, Specialty Risk and Extended Warranty, and Specialty Middle-Market Property and Casualty Insurance. The Small Commercial Business Insurance segment provides monoline workers compensation insurance and an array of commercial package products, including general liability, workers compensation, and farm and ranch insurance to a niche audience of small to mid-size businesses in qualified classes, such as restaurants, retail stores, private schools, business traveler hotels/motels, and light manufacturing. The Specialty Risk and Extended Warranty segment serves manufacturers, service providers, retailers, and third party warranty administrators that provide coverage for accidental damage, mechanical breakdown, and related risks for consumer and commercial goods. This segment also provides coverage for products, such as consumer electronics, consumer appliances, hand tools, credit payment protection, GAP insurance, commercial and residential properties, and legal expenses. The Specialty Middle-Market Property and Casualty Insurance segment underwrites workers compensation, general liability, commercial auto liability, and commercial property insurance for retail, wholesale, service operations, artisan contracting, light and medium manufacturing, and habitational industries. The company sells its products through a network of independent wholesale agents, brokers, and retail agents.