A complete solution for workers’ compensation
Frank Winston Crum Insurance Company (FWCI), an AM Best rated commercial carrier, underwrites a wide variety of codes for small and mid-sized businesses throughout many industry segments. Coverage is available on a guaranteed cost basis for qualifying risks. Loss-sensitive and high-deductible plans are also available for larger risks that qualify.

We work proactively with our agency partners and policyholders to prevent workplace accidents through our comprehensive risk management programs and resources. When an accident does occur, we take a very thorough approach to claims, focused first on quality care for the injured worker, and also on controlled costs for the services that are associated with the claim. We support the process of restoring the worker’s health to enable return to work. The bottom line is the best protection and care for employees - - and for the business’ bottom line.
Available in 36+ States
Coverage is available on a stand-alone basis in 36+ states or can be written in conjunction with general liability coverage for over 70 classes of artisan contractor in both Florida and Texas.
See a complete state list
Workers’ Compensation Program Highlights
Competitive pricing and flexible deductible options
FWCI has a broad range of pricing available including credits and debits in states where those options are available and consent to rate options that can make lower rated risks palatable from an underwriting standpoint.
Pay-as-you-go premiums
Our unique pay-as-you-go program enables clients to spread payments out over a calendar year and avoid a large down payment. Policyholders also avoid the cost of an annual audit.
24 hour claims reporting
We offer convenient claims reporting services and with options that include online, phone and email. Early intervention on a new claim has proven to have a positive impact on the length of the disability and ultimately, claim payout.
Comprehensive claims management
From claims administration to case management and established return to work programs, we are well positioned to reduce the impact of workplace injuries with proven processes.
Risk Management
We support policyholders with a full range of risk management support including: on-site reviews, technical resources, safety management programs, and other specialized services.
Underwriting appetite that supports our partner agencies
Our underwriting appetite is focused on the average business. We can also consider risk profiles for businesses with a lapse in coverage, new ventures, and no prior coverage. Eligibility for these this risk profiles is evaluated on a case by case basis as supported by partner agency results.
Experienced underwriting staff and management readily available
Our experienced underwriters understand the marketplace and are committed to directly working with our agency partners to offer responsive solutions for both simple and complex insureds.
Multi-state footprint to handle complex regional coverage needs
FWCI is admitted in 37 states and actively writes workers’ comp in each. We provide superior capability and response for our agency partners supporting business clients who need coverage in multiple states.
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