An insurance carrier that thinks differently
We are a commercial insurance carrier that specializes in workers’ compensation and general liability for small to mid-size employers in a wide variety of industries. Our clients and our agents are our partners, and we are nimble enough to structure the best and most flexible programs to serve them.

Our well rounded team is deep in experience yet free of the bureaucracy which is common in many larger insurance carriers. We actively listen and build relationships to gain insights which we use to create custom approaches and user-friendly technology platforms. Our perpetual goal is to make it easy, efficient and productive to work with us.
Workers' Compensation
We are an admitted, AM Best rated commercial carrier, who underwrites a wide variety of classes for small and mid-sized businesses across many industry segments. Coverage is available on a guaranteed cost basis for qualifying risks. Loss-sensitive and high-deductible policies are also available for larger risks that qualify.
General Liability
We provide general liability insurance for artisan contractors in several states. Our policies are based on Insurance Services Office (ISO) standards and we have direct bill capability as well as pay-as-you-go billing for qualified risks that are with our affiliated PEO, FrankCrum. Broad coverages and risk appetite, competitive rates, and extreme ease of use of our online tools for agents make us a solid choice.
Professional Employer Organization (PEO)
Through our affiliate FrankCrum, we combine workers’ compensation insurance with payroll, tax and HR services. This PEO model enables clients to achieve the solid employer foundation that every business needs, usually at a savings.