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Risk Management

We help you tackle the challenges of insuring your business, keeping up with regulations and avoiding law suits.

Protect your workers, comply, and improve your bottom line

In your role as an employer, there are inherent risks and liabilities that span the whole spectrum of HR from keeping your workers safe from injury to treating them fairly and in accordance with laws. As your partner, FrankCrum assists you to put reasonable protections into place, starting with insurance , and we also support you to establish other risk management best-practices.

Protection starts with insurance

Workers’ Compensation

Many businesses have workers’ compensation insurance simply because it’s required by law. And many employers want to protect employees from injury because it’s the right thing to do. But when business leaders recognize that a single, significant workers’ compensation claim can put your entire business at risk, gaining coverage becomes a strategic priority. We provide great rates on superior coverage through our very own workers’ compensation insurance provider: Frank Winston Crum Insurance Company. We make it easy and affordable to get the coverage you need and your employees deserve.

Employment Practices Liability Insurance (EPLI)

While most employers have good intentions of treating employees fairly, there are a rapidly growing number of regulations on the books, most of which are put into law to protect employees such as discrimination, wrongful termination, and sexual harassment. There are a lot of laws to keep up with, and our society has become very litigious, so it can be very beneficial and cost-effective to cover your business with Employment Practices Liability Insurance (EPLI). At FrankCrum, we work with you to get affordable coverage.

HR-related risk management

HR Best Practices

People pose both the greatest rewards and the greatest risks for businesses. HR is typically viewed as the practice of dealing with the human aspect of people, policies and procedures, but HR can also involve managing risk. Since employment laws have increased protections for employees over the years, this has caused individuals to become more litigious. And while there is no way to completely avoid the risk of your employees making allegations against you, you can work to better manage those risks. We're here to help.


We offer on-call HR risk management support through our FrankAdvice service. Our HR consulting specialists will quickly answer your questions and help you resolve HR issues, decreasing your risk of lawsuits and creating a better work environment. You’ll get the proven support you need to make informed decisions and avoid making embarrassing and costly HR mistakes. You can position your company to defend against expensive lawsuits when you take advantage of our powerful and skilled human resources specialists.

Help to prevent workplace accidents

Everybody suffers when an accident occurs: the injured employee, his/her family, the business, and the insurance company covering the claim. And even when the claim is covered by a workers’ comp insurance policy, a business’ claim history is the basis of its insurance premium, so accident claims can cause insurance premiums to increase. This compounds the problem for a business owner. We can help.

We provide the knowledgeable people, tools and resources to help our clients prevent workplace accidents. The key is developing an active, specific program that is woven into your operational culture. We recognize that a local ice cream parlor has different needs than a multi- state construction contractor. So we customize an approach designed for your success.

Accident prevention service highlights

On-Site Reviews

Periodic workplace consultations enable a full review of your facilities and jobsites as well as audits of current safety programs. This is an effective approach to identify problems and hazards that could result in accidents or injuries. Working with you, our risk management professionals don't just find problems - - they offer solutions.

Technical Resources

Whether you need OSHA’s most recent compliance reporting guidelines or a template to customize training, our technical library is available to assist you. Written to be shared with employees at all levels, our material covers essential information for a multitude of employee safety training topics.

Safety Management Programs

We approach safety program development as though we are an integral part of your business team – first seeking to learn about your products, services, customers, culture, and needs. From there our technical experts match practical solutions to your goals and deliver customized resources that are easy to implement.

Specialized Services

Some situations call for specialized resources. Our team of experienced professionals works closely with a network of niche providers to address virtually any unique risk or exposure situation.