The employees. Practically every single person that works at AmTrust is dumb. Every single task is handled by a few dozen of the company's best employees.
Also, the information security is atrocious. Literally any developer can look up all employee and customer information. If you work at AmTrust, developers can lookup your information (passwords, credit cards, SSNs). If you have done business with Amtrust, developers can lookup your information (passwords, credit cards, SSNs).