From risk management to claims processing, we’re with you for the long haul.
Many business owners have only two points of interaction with insurance companies: purchasing a policy, and reporting a claim. But at Frank Winston Crum Insurance, we encourage a closer, more strategic relationship. We can work with you to identify risk factors in your business and implement an effective risk management program. Your risk is our risk, so we have a vested interest in reducing workplace incidents and injuries.

With a partnership approach, the payoff to your business will have a compounding effect. Good safety performance enables lower insurance rates. Safe, healthy employees yield higher productivity and lower turnover. And when an accident does occur, fast claims reporting means we can direct quicker care for the employee and we can effectively manage the claim, reducing claims costs.
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Frequently Asked Questions
What injuries should be reported to my insurance carrier?
Any injury to an employee that may require outside medical attention from a medical professional should be reported immediately. You should also report any injury for which you receive written notification from the injured worker, an attorney or from a state workers’ compensation board.
What can I do to reduce the cost of workers’ comp insurance premiums?

Safety performance is the most significant factor of cost increases or decreases in workers’ compensation insurance premiums. Having a formal safety program and an active approach to implement it is a key to success. For help getting started, or to fine-tune your safety program, contact our Risk Management Team.

What is an Experience Modifier and how does it affect my premium?
An experience modifier or “modification” is an adjustment (up or down) of annual premium based on previous loss experience. Usually three years of loss experience is used to determine the experience modifier for a workers’ compensation policy. Since workers’ compensation base premium rates are regulated by law, the experience modifier adjusts workers compensation insurance premiums for a particular employer based on a comparison of past losses of that employer to what is calculated to be “average” losses of other employers in that state in the same business, adjusted for size.
I am a small business with little time and money for a huge loss control program. How can you help me?

The most important step to take is to schedule regular meetings with your employee to review possible risks and safety measures to avoid injury. As a FWCI client you have access to a team of loss control professionals that is ready to assist you.  Depending on your need and insurance program, we will work with you to implement a loss control process that fits your culture. Our technical services center has hundreds of template programs, policies and training tools available for your use as a policyholder. You can get started by looking at the safety resources available on this website, which are organized by industry. This article may be a helpful first step: Improving workplace safety without breaking the budget.

My customers frequently ask for Certificates of Insurance. It’s important that I get those quickly. How do I do this with FWCI?
Your insurance agent can issue a certificate of insurance for your FWCI general liability policy very quickly – give your agent a call.
Do you offer any incentives for maintaining workplace safety?

Yes. Frank Winston Crum Insurance rewards workers’ compensation policyholders in Florida who maintain a safe work environment and manage risks for their employees. Eligible policies will qualify for a dividend reward.

Are installment payment plans available for my general liability policy?
Yes, FWCI offers a four-payment plan for all general liability policies. In addition, many general liability policies qualify for an extended payment plan that splits the annual premium into ten installment payments.
Many times my customers tell me that I need to name them as Additional Insured. Will my FWCI general liability policy handle these requests?
Yes. Every FWCI general liability policy includes automatic (“blanket”) coverage for Additional Insureds on the industry-standard 20 10 form at no charge. FWCI also offers a broad menu of inexpensive additional options on different forms for both Additional Insured and Waiver of Subrogation coverages.
I received an audit bill. How do I pay and who should I contact if I have questions?

You can pay in several ways:

  • Make it online from our Make a Payment page
  • Mail a check along with the remittance stub to the address listed on the invoice.
  • Call us to pay by phone via ACH – (866) 218-4219, extension 1152.

If you have any questions, call (866) 218-4219, extension 1152, email, or contact your agent.

What is a premium audit?
A premium audit is a confirmation of your actual payroll. When the policy expires, we want to confirm your premium reflects exactly the state of your business and properly make any adjustments necessary to calculate the final premium over the policy term. A premium audit is a guarantee that you only pay what you really should.
Why and when are premium audits performed?

Policy contracts and workers’ compensation laws require audits. This is beneficial for the insured and the insurer to know specifically if your workers’ compensation premium is calculated properly and fairly.

We will conduct the audit during regular business hours at the conclusion of the policy period within three years after the policy period ends.

What records will be required for premium audits?

The records may include:

  1. Ledgers
  2. Journals
  3. Registers
  4. Vouchers
  5. Contracts
  6. Tax reports
  7. Payroll
  8. Disbursement records
What happens if an insured doesn’t cooperate by providing information for the audit?
State regulations allows the carrier to collect up to three times the estimated premium if the insured fails to provide reasonable access to payroll records.
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