Frank Winston Crum Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Frank Winston Crum Insurance Company.

Trusted Choice's Frank Winston Crum Insurance Score

4 Stars

We award Frank Winston Crum Insurance a final rating of 4 out of 5 stars. The carrier has nearly two decades of experience in the insurance industry and high ratings by both AM Best and the BBB. Customer reviews on Google also reflect glowing experiences with the insurance company.

FWCI offers its products in 37 states across the country and provides several business insurance solutions. They also offer 24/7 claims reporting for customers. 

Overall, if you're located in an area where coverage is offered and in need of business insurance products, we highly recommend looking into Frank Winston Crum Insurance with the help of your independent insurance agent to be your next trusted carrier.

Frank Winston Crum Insurance Pros and Cons:


  • Offers several types of business insurance
  • Coverage available in most states
  • Offers 24/7 claims reporting
  • Good rating by AM Best
  • Excellent rating by the BBB
  • Great website


  • Not BBB accredited

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Frank Winston Crum Insurance Offer?

Frank Winston Crum Insurance (FWCI) offers several insurance products for businesses, including:

  • Workers' compensation
  • General liability insurance
  • Inland marine insurance
  • Excess liability insurance
  • Professional employer organization (professional services such as payroll bundled with workers' comp)

An independent insurance agent can help you decide if any of Frank Winston Crum Insurance's business insurance products are right for you.

What to Know about Frank Winston Crum Insurance

Frank Winston Crum Insurance (FWCI) was founded in 2003, giving the carrier nearly two decades worth of experience in the insurance industry. However, the carrier's roots date all the way back to 1981, when Frank Winston Crum, Jr. and his father, Frank Crum, Sr., started the Great American Temporary Service company. Today, two organizations comprise the FrankCrum Insurance "family of companies" including FrankCrum Insurance Staffing and FWCI. 

The insurance carrier's mission focuses on the success of small business owners. Today, FWCI offers its products to customers in 37 states across the US, having evolved from being a single-state carrier at its origin. FWCI offers several business insurance products including general liability and workers' comp. The carrier's employee network shows a total of between 75 and 200, with 76 of them found on its LinkedIn social media platform.

Thanks to its developing national reach and catalog of products, FWCI has earned a reputation as an insurance company with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives FWCI a “B++” rating, indicating the carrier is a good choice for insurance customers. High ratings from AM Best assure customers that FWCI can offer guaranteed, reliable coverage from a financially healthy carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. AM Best’s rating system allows them to make an informed decision about who they can trust to remain a strong, financially sound company in the long term.


Connect with a Frank Winston Crum Insurance Agent Today.

Shopping for insurance? Frank Winston Crum has you covered.

What Discounts Does Frank Winston Crum Insurance Offer?

FWCI does not make much information about its discounts readily available, except for one:

  • Safe workplace discount: Awarded to customers who purchase workers' comp insurance and maintain a safe work environment for their employees.

An independent insurance agent can provide better discount information and premium quotes for coverage through FWCI. When it comes to business insurance coverage, independent insurance agents work hard to make sure you get the most out of your money.

Frank Winston Crum Insurance Customer Service

Here's an overview of FWCI's customer service options and availability:

  • Phone
  • Online claims reporting
  • 24/7 phone claims reporting
  • Email claims reporting
  • Social media 

Hours (EST)

Monday-Friday 8 am - 5 pm

Saturday CLOSED


The best way to guarantee a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Frank Winston Crum Insurance Customer Reviews

5 Stars

"As an independent agent FWC has made my life so much easier. The ease of use and instant binding is awesome. I have been able to save many small business owners thousands of dollars on their Workers comp policies with FWC! Underwriting & Customer service are also super helpful and quick to help! Thanks FWC you have been a game changer for my work life :)"

5 Stars

"We work with many commercial companies at our agency but FWC is wonderful. Their customer service and underwriters are very knowledgeable and respond in a timely manner. Their quoting for both WC and GL are easy to navigate."

5 Stars

"The company works for many of our customers for their GL and WC needs. The underwriting team is fast, professional, and have an extended knowledge of their products. As an agent, I appreciate the business relationship with Frank Winston Crum and customers are happy with their policies."

5 Stars

"Frank Winston Crum Insurance Company 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."

5 Stars

"As an independent agent, I have used them since they first opened in Texas.

They are easy to do business with and when my customers have had claims they were their for them and paid out in timely manner."

Frank Winston Crum Insurance FAQ

FWCI promises to contact the customer within 24 hours of filing a claim.

FWCI is available via phone Monday through Friday at slightly extended hours, and for claims reporting 24/7. Customers can also file claims online or by email at any time. 

FWCI breaks down a simple claims process for workers' comp claims as follows:

  1. Assignment: FWCI's partner assigns a claims adjuster to contact the customer within 24 hours with a claim number.
  2. Investigation: The claims adjuster investigates the claim to determine how much compensation the customer is entitled to if the claim is covered.
  3. Medical care: If necessary, FWCI appoints a nurse case manager to help coordinate medical care for the injured employee and help them return to work safely.
  4. Documents: All related documents including work status notes, medical bills, etc. should be sent to the customer's claims adjuster immediately.
  5. Return to work: FWCI's partner, Job Fit Accommodation Specialists, will work with the injured employee to create a "return-to-work program."

The customer's independent insurance agent can also help them stay updated on the claims process and even file claims for them.

FWCI's official website is highly intuitive, well laid out, and easy to navigate. Finding the necessary information is fast and easy. The carrier is also accessible via Facebook and LinkedIn. 24/7 claims reporting is available for customers via phone, official website, and email. Overall, FWCI provides a highly user-friendly experience for its customers.

FWCI provides several business insurance products and specializes in commercial general liability insurance. The carrier also offers:

  • Workers' comp
  • Inland marine insurance
  • Excess liability (commercial umbrella insurance)
  • PEO*

    *PEO is a bundle FWCI offers that combines workers' comp insurance with professional business services such as HR, healthcare, and employee benefits.

An independent insurance agent can help you learn more about FWCI's business insurance products and help you determine if any are a good fit for your business.

Frank Winston Crum Insurance has high ratings by AM Best and the BBB. The carrier offers several business insurance products, and their coverage is available in most states. The carrier is also highly accessible and offers 24/7 claims reporting. Overall, yes, Frank Winston Crum insurance is a good insurance company.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

©2023, Consumer Agent Portal, LLC. All rights reserved.