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
FWCI’s current producer-facing guidance is centered on Workers’ Compensation, with additional contractor/general liability material and general agent portal guidance published on the official site. Workers’ comp appetite is for small to mid-sized businesses written through agents, with stated availability in 38 states plus DC and more than 350 class codes. FWCI specifically highlights willingness to consider harder-to-place WC accounts including start-ups, lapsed coverage, and no prior coverage, and says 120+ class codes can be quoted and bound online through its Winston platform. Published labor guidelines are unusually important for WC submissions: FWCI accepts 100% statutory employee labor (1099 employees), accepts insured subcontractors and/or independent contractors up to 30% of total labor cost, but does not accept uninsured subcontractor exposure; use of uninsured subcontractors or exceeding subcontractor guidelines can lead to audit charges, cancellation, or nonrenewal. FWCI also prohibits cash workers, casual labor, and leased labor under the published WC labor guide. For contractor/general liability business, FWCI markets a broad appetite for contractor and trades accounts and publishes an admitted contractor quick reference guide. That guide indicates eligibility for individually owned and larger companies with no payroll restriction, new ventures acceptable with at least one year of verifiable experience in the same trade, and strong fit for artisan/trade contractors. It also notes operational restrictions/ineligible exposures including subcontracted work not shown as acceptable under the program; work involving fire extinguishing/sprinkler systems, boilers, elevators, escalators; alarm monitoring; wood/coal/waste-oil burning stoves; demolition, blasting, or explosives; contractors with less than one year of prior verifiable trade experience; asbestos, EIFS, and non-fiberglass/rock-wool insulation work; chemical/herbicide/pesticide application beyond over-the-counter materials; petroleum/chemical facility work or LPG/natural gas work unless specifically licensed; aircraft, railroad, watercraft, or auto work; bridge/dam/sewer/power-line/street/highway/road work; construction defect history; tank/tower/prefab steel work; underpinning/foundation repair; medical or industrial equipment work; marine work; roofing/roof-related work except roofing contractors rated as such; exterior work over three stories; and crane/lift/bucket truck use unless preapproved. Geography notes published on official pages: WC is stated as available in 38 states and DC; a dividend plan is noted as currently available in Florida; the contractor GL quick reference guide shows rating/state references for Alabama, Florida, Georgia, Texas, North Carolina, South Carolina, Tennessee, Maryland, and Virginia. Submission/process notes for agents: FWCI emphasizes quoting, binding, renewals, and servicing through the Winston portal, including integrated underwriting referral workflow and one-click rewrites; WC is direct bill, with Winston PayGo and other payment options to support cash flow; contractor GL material states admitted direct bill, online service, fast quote/issue workflow, automatic online reinstatement within 7 days of cancellation, and automatic renewals without a new ACORD/application. Broker/producer notes available on the site include: be certain to list all insured operations on contractor policies; underwriting assistance is available for appetite/eligibility/pricing/risk review, with separate Florida and all-other-states phone contacts; FWCI notes a deliberately limited agency network, great commissions for agents, incentives for concurrent WC and CPP placements, state-specific credits for drug-free workplace/safety where available, and access to claims/risk-management support. Commercial Package Policy and umbrella are listed product lines, but the clearest published underwriting/risk details currently visible on the official site are for workers’ comp and contractor/general liability rather than a standalone CPP or umbrella appetite guide.