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About FWCI

Workers' compensation insurance for small and mid-sized businesses

Frank Winston Crum Insurance:
A complete solution for workers’ compensation

Our affiliate, Frank Winston Crum Insurance Company (FWCI) is a licensed and admitted carrier founded over 15 years ago to serve our PEO clients with affordable and flexible workers’ compensation coverage. FWCI underwrites a wide variety of class codes for businesses of all sizes across 37 states. We partner with Zurich to expand coverage across all 50 states. Coverage can be written in conjunction with General Liability for over 60 classes of artisan contractors in Florida, Georgia, Texas and Alabama.

As an A.M. Best rated commercial carrier, FWCI has a proven record of financial strength. Our national workers’ compensation program provides great rates, no down payment and pay-as-you-go premiums.

FWCI helps you enhance your agency value with a broad underwriting appetite.

  • You can place start-ups and companies with gaps in coverage.
  • You can place companies with less than three years of loss history.
  • You can place companies with as few as one employee.

FWCI's experienced underwriters understand the marketplace and are committed to working directly with agency partners to offer responsive solutions for both simple and complex insureds. Workers’ compensation coverage is available on a guaranteed cost basis for qualifying risks. Loss-sensitive and high-deductible plans are also available for larger risks that meet certain criteria. Eligibility is evaluated on a case-by-case basis.

Workers’ Compensation Program Highlights


Competitive Pricing

With FWCI, you can pass along policy savings to clients. 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. For more information about how our competitive pricing works, please call 877-695-6207.


Pay-As-You-Go Premiums

To extend more value to your clients, FrankCrum offers a pay-as-you-go program that enables them to spread workers' comp premium payments out and avoid large down payments. They pay those premiums along with their payroll. Your clients also avoid the cost of an annual workers' comp audit.


Risk Management

FWCI works proactively with agency partners and policyholders to prevent workplace accidents through a comprehensive risk management program that includes:

  • On-site inspections
  • Technical resources
  • Safety management programs


Claims Reporting and Management

FWCI offers friendly, responsive claims service for your clients and their employees, focused first on quality care for the injured worker, and then on controlled costs for the services associated with the claim. FWCI also supports the process of restoring the worker’s health by monitoring their medical care to ensure an appropriate and timely return to work.