AM Best–rated workers' comp and liability carrier for SMB contractors
Frank Winston Crum Insurance is a licensed commercial carrier writing workers' compensation and general liability across 37 states (WC) and four states (GL), with active expansion underway. The company is pursuing modern data architecture and governance frameworks while scaling claims operations—a hiring mix weighted toward legal, claims, and sales suggests a carrier managing rapid product rollout complexity and litigation volume. Tech stack is enterprise Microsoft-centric (Office, SharePoint, Azure), typical for traditional carriers, with HubSpot bolted on for agent-facing workflows.
Frank Winston Crum Insurance underwrites workers' compensation and general liability insurance for small and mid-sized businesses, including artisan contractors and PEO-affiliated clients. Founded over 15 years ago to serve FrankCrum PEO members, the carrier has since expanded beyond that channel and now operates as a licensed, AM Best–rated admitted carrier. Coverage footprint spans 37 states for workers' compensation and four states for general liability, with plans for further geographic expansion. The company operates a custom technology platform designed to streamline agent quoting, binding, and policy maintenance workflows.
Workers' compensation is available in 37 states. General liability is currently available in FL, GA, TX, and AL, with additional state expansion planned.
The carrier writes workers' compensation and general liability insurance, with specialized underwriting for artisan contractors and small to mid-sized business segments.
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