Frank Winston Crum Insurance Company Review

Learn about the company’s history, products, and more.

Frank Winston Crum Insurance Company at a Glance

  • Frank Winston Crum Insurance Company (FWCI) is a commercial insurance carrier that specializes in providing reliable and affordable workers’ compensation and general liability insurance for small- to mid-size employers in a wide variety of industries
  • AM Best recently upgraded the company’s financial strength rating to B++ (Good) from B+ (Good)
  • FWCI is licensed in 37 states for workers’ compensation insurance
  • Writes general liability for artisan contractors in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee and Texas
  • Family owned and operated
  • The company is not accredited by the BBB, but is rated A+
  • Works with independent insurance agents

FWCI pros: Frank Winston Crum Insurance Company offers coverage on a stand-alone basis in 36+ states, or can be written in conjunction with general liability coverage for over 70 classes of artisan contractor in both Florida and Texas. Competitive pricing and flexible deductible options. Pay-as-you-go premiums. 24-hour claims reporting. Works with independent insurance agents.

FWCI cons: FWCI has minimal customer service options with no extended hours. The company’s B++ rating from AM Best may raise concerns about the company’s financial strength.

What Type of Insurance Does Frank Winston Crum Insurance Offer?

Frank Winston Crum Insurance Company (FWCI) is a commercial insurance carrier that specializes in providing reliable and affordable workers’ compensation and general liability insurance for businesses of all sizes. The company a diverse book of business across a variety of industries.

Frank Winston Crum Insurance offers primary general liability coverage for many classes of artisan contractors. Coverage is currently available in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee and Texas.

FWCI also offers excess liability coverage and inland marine coverage to complement its general liability offerings.

You can also use our national insurance company directory to find the best insurance companies to meet your needs. The directory can help you locate companies that specialize in your specific coverage needs and help you connect to an agent near you.

What to Know about Frank Winston Crum Insurance

Frank Winston Crum Insurance is a commercial insurance company that specializes in providing reliable and affordable workers’ compensation and general liability insurance for businesses of all sizes. The company writes a diverse book of business across a variety of industries.

FWCI is licensed in 37 states for workers’ compensation insurance, and writes general liability for artisan contractors in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee and Texas.

The company is family owned and operated.

In 1986, Frank Crum, Jr., and Frank Crum, Sr. started AmeriStaff, a Professional Employer Organization (PEO) that offered workers’ compensation insurance, payroll, and HR administration for small businesses. In 2003, Frank Winston Crum Insurance was established to serve the insurance needs of the PEO clients and other organizations.

Renamed FrankCrum in 2006, the PEO now offers a full range of HR services, including payroll, employee benefits, HR consulting services, and workers’ compensation insurance.

Over the years, Frank Winston Crum Insurance has grown from a single-state insurance carrier to one that is licensed in 37 states and continues to expand. The company also added a line of business, general liability insurance, and for the past several years, insurance policy sales are not limited to FrankCrum PEO clients. In addition to regional and product line growth, FWCI has enhanced its value-added services.

AM Best recently upgraded Frank Winston Crum Insurance's (FWCI) financial strength rating to B++ (Good) from B+ (Good).

What Discounts Does Frank Winston Crum Insurance Offer?

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

Frank Winston Crum Insurance Customer Service

Here’s what to know about FWCI’s customer service options.

  • Phone contact, no hours specified
  • Social media contact via Facebook and LinkedIn
  • 24/7 claims reporting
  • Email contact


Hours (EST)


Monday-Friday Not specified

The agent or broker who sold you your insurance policy can also help you with your customer service needs. 

Frank Winston Crum Insurance FAQ

What is FWCI’s average claim response time frame?

FWCI does not publish an average claim response time frame.

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What is FWCI’s customer service availability?

FWCI offers customer service by phone, with no published business hours. Customers can also reach the insurance company by fax, email, and via Facebook and LinkedIn.

Employers can use the online Payment Center to make a payment, change their payment schedule, and view their account balance and payment history.

What is FWCI claims process?

FWCI customers can file claims 24/7 via a toll-free claim line, email, or by using a simple online fillable form.

Does FWCI create a user-friendly experience for customers?

FWCI offers numerous policyholder resources, FAQs about workers’ compensation insurance, help with creating a safe workplace, and more. The official website is easy to navigate, and claims can be filed 24/7. Overall, FWCI offers a user-friendly experience for its customers.

Does FWCI have good workers’ compensation insurance?

FWCI is 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.

Some highlights of FWCI’s workers’ compensation programs include the following.

  • Competitive pricing including credits and debits in states where those options are available
  • Flexible deductible options
  • Pay-as-you-go premiums
  • 24/7 claims reporting online, by phone, and by email
  • Wide variety of claims management and return-to-work programs
  • Risk management support including on-site reviews, technical resources, safety management programs, and other specialized services

A FWCI representative can help you determine if FWCI’s workers’ compensation programs are right for you.

Is FWCI a good insurance company?

FWCI offers numerous policy options and has a broad underwriting appetite for its workers’ compensation and general liability policies. Customer satisfaction reviews are mixed. The company is not A-rated by AM Best. FWCI is likely a good company, but potential customers should examine its policy options and financial strength carefully before committing to buying a policy.

Frank Winston Crum Insurance Company Customer Reviews

Yelp
“Frank Winston Crum Insurance has been our go to company for artisan contractors for many years now. They go above and beyond to be the best at what they do. I highly recommend them as an agent or and insured. They strive to be the best and have proven themselves over and over again.”


Yelp
“Great company. I am very impressed with their operations. Keep up the good work.”


Yelp
“Untrustworthy; does not do as they say. Won’t return your phone calls even after leaving days of and numerous messages. Will not respond to emails either. I don't know how anyone can conduct business with this company.”


TrustedChoice.com's Final Review

We award FWCI a final rating of 3.0 out of 5 stars. First, the company has only earned a B++ rating from AM Best, and that is a recent upgrade. AM Best is a credit rating firm that assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide. The AM Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. 

The carrier provides workers’ compensation insurance and general liability insurance. It offers flexible policies and 24/7 claims reporting. Its customer satisfaction reviews are mixed.

An FWCI representative can help you decide if the company is right for you.

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