ABOUT US
WHO WE ARE
At Frank Winston Crum Insurance, we leverage the skills of talented individuals to constantly innovate and challenge the status quo. We translate our passion into the best insurance experience for those we serve.
A PASSION FOR HELPING BUSINESSES SUCCEED
Frank Winston Crum Insurance was founded in 2003 as a commercial insurance carrier, although its origins date back even further.
With a passion for helping small business owners succeed, Frank W. Crum, Jr. and his father, Frank Crum, Sr., opened the Great American Temporary Service in 1981. Since then, the company has expanded and evolved into what is now known as the FrankCrum family of companies: FrankCrum PEO (a professional employer organization), FrankCrum Staffing, and Frank Winston Crum Insurance. Haley and Matt Crum, Frank's children, joined the organization, and together the Crum family provides vision and leadership across all brands.
Since its founding, Frank Winston Crum Insurance has grown from a single-state carrier to one licensed in most U.S. states. We’ve also developed a dual structure as both an insurance carrier and managing general agency (MGA), built on a comprehensive platform that delivers flexibility and choice to our agent partners while maintaining the financial strength and stability our policyholders expect.
How we operate: carrier and MGA working together
Frank Winston Crum Insurance operates through two complementary entities that work seamlessly together:
Frank Winston Crum Insurance (FWCI): Our B++ AM Best-rated insurance carrier directly underwrites workers' compensation and general liability policies, taking on risk and paying claims for our insureds.
Frank Winston Crum: Our managing general agency (MGA) has underwriting authority for not only our own carrier but also two additional A-rated carrier partners: ClearBlue Insurance Group (A-) and Benchmark Insurance Company (A). This structure allows us to offer our agent partners access to multiple coverage options and rating levels to meet diverse client needs.
This dual approach sets us apart from traditional carriers. While many companies operate either as a carrier or an MGA, our integrated model provides agents with unparalleled flexibility from our own competitive B++ rated products to A-rated options when clients require higher ratings for bonding or contract requirements.
Today, we partner with a carefully selected network of independent agents across the U.S. to offer reliable and affordable workers’ compensation, commercial package policies, and contractor coverage solutions. With over 67,000 policies in force and recognition as a top insurance workplace nationally, we continue expanding into new markets and product lines while maintaining our commitment to excellence in commercial insurance.
OUR HISTORY
1981: The FrankCrum enterprise was founded with the opening of its first business: The Great American Temporary Service (later known as FrankCrum Staffing)
1986: Frank W. Crum, Jr., a pioneer in the PEO industry, established Ameristaff (later known as FrankCrum)
2003: Frank Winston Crum Insurance was added to the family of solutions as a workers' compensation insurance carrier
2010: Frank Winston Crum established open market programs through the creation of its managing general agency
2010: The FrankCrum enterprise was awarded Top Workplace honors by the Tampa Bay Times for the first time
2013: Matt Crum was named president of Frank Winston Crum Insurance
2013: Frank Winston Crum Insurance launched general liability coverage for contractors
2020: Haley and Matt Crum officially became co-presidents of FrankCrum, with Frank Crum, Jr. remaining CEO
2020: Frank Winston Crum Insurance was ranked among the Best Places to Work in Insurance
2021: The FrankCrum enterprise celebrated its 40th anniversary
2023: Frank Winston Crum Insurance celebrated its 20th anniversary
2025: The FrankCrum enterprise was awarded Top Workplace honors for the fifteenth time by the Tampa Bay Times
2025: Frank Winston Crum Insurance was recognized by Inc. 5000 as a fastest-growing private company
2026: Frank Winston Crum launched a new product: Commercial Package Policy
Our Philosophy
We aim to be the best at what we do.
Instead of striving to be the biggest carrier, we aim to be the best in our chosen specialties. For our agents, that means making it easy for them to do business with us. For our policyholders, that means providing quality protection and top-notch service at a fair price.
We keep our financial promises.
We prioritize long-term stability over short-term gains so that we are always prepared to keep the financial promises we make.
We do the right things for the right reasons.
As a privately held company, we make independent business decisions based on integrity, without the undue burden of shareholder pressure.
