Frank Winston Crum Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Frank Winston Crum Insurance currently publishes agent-facing guidance centered on Workers’ Compensation, Contractor/GL, and CPP. Workers’ Compensation appetite is notably open to harder-to-place small and mid-sized business risks, especially start-ups, lapsed coverage, and no prior coverage accounts. FWCI states it writes workers’ compensation in 38 states plus DC across 350+ class codes, with online quote-and-bind for 120+ class codes through its Winston platform. The WC program highlights direct bill, PayGo-style payment support, claims and risk management services, 24/7 claims assistance, custom loss control, and possible credits in certain states for drug-free workplace and safety. It also notes incentives for concurrent WC + CPP placements and a dividend plan currently available in Florida. Geographic note: WC availability is not nationwide on the published page; it is specifically described as 38 states and DC, and some credits/dividend features are state-specific. For contractor business, FWCI markets an admitted contractor program for GL and related coverages with a broad underwriting appetite for contractors and tradespeople, including one-person firms and new ventures. Published contractor notes indicate solutions for GL, Excess Liability, Inland Marine, and WC in select states; automatic/optional coverages may include blanket additional insured and waiver of subrogation on eligible GL business, and automatic excess options for qualifying GL accounts. Residential property work is referenced for new construction and remodels up to three stories. The contractor quick reference guide indicates individually owned and larger companies are eligible with no payroll restrictions, and new ventures are acceptable with one year of trade experience. Geographic notes published in the GL quick reference guide include admitted contractor program references for Alabama, Florida, Georgia, Texas, North Carolina, South Carolina, Tennessee, Maryland, and Virginia, with state-based owner payroll assumptions/minimum premium references. For CPP, FWCI publishes a Commercial Package Policy guide describing a small-business package combining General Liability, Property, Crime & Fidelity, and Inland Marine. Published preferred classes include appliance stores, beauty/hair salons, office premises, clothing/apparel stores, consultants, delicatessens, florists, funeral homes/chapels, optical goods stores, and limited-service restaurants where alcohol sales are under 30% of annual receipts. Important underwriting instruction: be certain to list all operations on the insured policy. CPP form notes include a Crime & Fidelity policy aggregate cap of $25,000 and Inland Marine total policy aggregate cap of $250,000. Payment terms shown for CPP are direct bill with full pay, 4-pay bi-monthly, or 10-pay monthly with 15% down; listed fees include NSF $15, reinstatement $25, and late payment $5. Broker/producer notes: FWCI distributes through a selected network of independent agents and uses the Winston online platform for quote/bind/service. Contractor program messaging emphasizes reduced need for wholesaler/specialty market placement, fast online quoting, many class codes not requiring underwriter approval, automatic/no-touch renewals, online reinstatements, and no-loss statement not required for reinstatement messaging on the contractor page. Published underwriting assistance contact information appears in the contractor GL quick reference guide for appetite, eligibility, pricing discussion, and risk review decisions. No comprehensive public declination list was found on the verified official pages reviewed; restrictions are implied mainly through program class eligibility, state availability, trade experience expectations for new ventures, select-state availability for some coverages, and class-specific underwriting rather than a fully published prohibited-classes schedule.