Can I generate my own workers’ comp certificates instantly?

Yes. Once you are a FrankCrum PEO client with a workers’ compensation policy through Frank Winston Crum Insurance, you can log into the MyFrankCrum platform to create and send certificates of insurance on demand from any device.

Does FrankCrum require a large down payment for workers’ comp?

No. Instead of the large upfront installments common with standalone workers’ comp policies, FrankCrum uses a pay-as-you-go model where premiums are billed with payroll based on actual wages, which helps cash flow and avoids surprise year-end audits.

Do I need workers’ compensation insurance?

In most U.S. states, employers are required to carry workers’ compensation coverage once they hire employees, often as few as one or two people. Even when you are technically exempt, workers’ comp is a smart way to protect your business from the high cost of workplace injuries and related lost wages.

What is pay-as-you-go workers’ comp billing?

Pay-as-you-go billing calculates premiums from your actual payroll each period rather than from an annual estimate. This approach eliminates large startup deposits, reduces the need for retroactive adjustments, and helps align workers’ comp costs with your current workforce.

What happens if an employee gets injured on the job?

If an employee is injured, you can report the claim 24/7 through FrankCrum. The team coordinates care via a nationwide provider network, manages paperwork and compliance, and supports return-to-work programs so injured employees can safely get back on the job.

Does FrankCrum cover high-risk industries like construction and trades?

Yes. Through its affiliated carrier, Frank Winston Crum Insurance, FrankCrum works with many higher-risk industries such as construction, roofing, landscaping, and skilled trades, offering coverage, safety resources, and claims expertise tailored to those environments.

Customer Success Stories

Stanley Steemer

John Peters, a Stanley Steemer franchise owner, is deeply involved in his day-to-day operations and passionate about delivering great customer experiences. By partnering with FrankCrum, John can offload payroll, compliance, and HR responsibilities, giving him peace of mind and the freedom to stay focused on his customers and team. As a fellow family-owned business, FrankCrum has earned his trust and become a valued partner in supporting his company’s growth.

Stanley Steemer

Explore Customer Stories

Aspen Public Radio

Industry:
Media & Communications | 1 – 50 Employees

Aspen Public Radio solved its PTO tracking challenge without adding the HR overhead

IHOP

Industry:
Hospitality/Franchise | 100 – 250 Employees

An IHOP franchisee cut workers’ comp costs and recovered $50K in hidden tax credits with FrankCrum.

NDRS Construction, Inc.

Industry:
Building Contractor | 1 – 50 Employees

NDRS Construction, Inc. cut workers' comp costs to rates small contractors typically can't access on their own—saving $18,000 a year in the process.

Glass Doctor

Industry:
Service/Franchisor | 1 – 50 Employees

Hear From Our Clients

Avery Construction, LLC

Stanley Steemer

Thomas Financial Group

Explore Customer Stories

Aspen Public Radio

Aspen Public Radio solved its PTO tracking challenge without adding the HR overhead

IHOP

An IHOP franchisee cut workers’ comp costs and recovered $50K in hidden tax credits with FrankCrum.

NDRS Construction, Inc.

NDRS Construction, Inc. cut workers' comp costs to rates small contractors typically can't access on their own—saving $18,000 a year in the process.

Glass Doctor

Glass Doctor turned a time-consuming hiring process into a seamless onboarding experience–for 12 field employees and counting.

Inspiring Businesses to Succeed Since 1981

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