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
Workers’ Compensation (core admitted line) - Geography: FWCI currently offers workers’ compensation in 38 states and DC on an admitted basis. A sample policy form shows use of NCCI rules with Other States coverage for all states except certain monopolistic/jurisdictional exceptions (e.g., AK, CA, HI, MA, MN, ND, OH, WA, WY) and the primary state on the dec page.([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Target business: Small and mid-sized businesses across 350+ class codes, including many standard and some “unique” risks such as start-ups, lapsed coverage, or no prior coverage, subject to underwriting review. FWCI promotes an appetite for unique risks and offers incentives for concurrent policies (WC plus Commercial Package Policy).([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Preferred characteristics: Stable operations with controllable hazard, willingness to implement safety and drug-free workplace programs (credits available in certain states), and ability to engage with risk management. Dividend plans currently noted in Florida. Good fit where agents will also place CPP with FWCI.([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Restricted/declined exposures (general WC guidance): FWCI and its affiliated PEO materials flag the following as generally prohibited exposures: tower climbers or extreme heights; mining; occupational disease-focused exposures; USL&H or State Act maritime codes; stevedoring; swing-stage scaffolding; and accounts with heavy subcontractor use (greater than 30%). These are indicated as broad underwriting exclusions for WC and are typically declined or require significant exception underwriting.([blog.frankcrum.com](https://blog.frankcrum.com/hubfs/2023%20RESOURCES%20FOLDER/Workers%20Comp%20and%20Safety/Flyers/PEO_Underwriting%20Guidelines_Flyer.pdf?utm_source=openai)) - Construction and service classes (PEO/WC reference): Internal PEO-focused underwriting guidelines list common codes such as appliance delivery, artisan contractors, elevator installation/repair, framers, general contractors, gutter installation, home health, residential cleaning, medical transport, movers, and nursing homes, with the same general prohibited exposure list applying. Treat these as higher-scrutiny classes; placement in FWCI’s own WC carrier is possible only where exposures stay within height, sub usage, and maritime/occupational disease limits and pass risk management review.([blog.frankcrum.com](https://blog.frankcrum.com/hubfs/2023%20RESOURCES%20FOLDER/Workers%20Comp%20and%20Safety/Flyers/PEO_Underwriting%20Guidelines_Flyer.pdf?utm_source=openai)) - Submission/processing: Agents can quote and bind for 120+ class codes through FWCI’s online portal "Winston" and may handle simple risks end-to-end online. More complex or non-standard risks are expected to go to an underwriter for review. Concurrent policy incentives (WC + CPP) and credits for drug-free and safety programs can be requested at submission. Direct bill to the policyholder is standard; installment and PayGo-style options are available.([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) Commercial Package Policy (CPP) and General Liability - Product positioning: FWCI writes Commercial General Liability as part of its commercial offering and links CPP placement with WC, offering incentives for concurrent policies and competitive rates. Admitted authority also includes "Other Liability" and Inland Marine per Florida exam, though specific open-market appetite details are not extensively published.([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Coverage features (GL reference): Policyholder materials for FWCI GL highlight broad additional insured options (forms similar to CG 20 10, CG 20 11, CG 20 28, automatic waiver of subrogation) and a menu of inexpensive options. This suggests a small/mid-market casualty appetite supporting contractor and premises-based risks, typically aligned with the WC/CPP book.([fwcruminsurance.com](https://www.fwcruminsurance.com/policyholder-services/faqs?utm_source=openai)) - Preferred risks: Small to mid-sized businesses that also place WC with FWCI; accounts that benefit from bundling WC + GL/CPP and engaging with FWCI claims and risk management. Clean loss history, manageable premises and products exposure, and compliance with contractual risk transfer and sub use thresholds are favored. - Restricted/declined: Risks with heavy uninsured subcontractor exposure or subcontractor costs above roughly 30% of total exposure are flagged as problematic in related Minimum Premium Policy (MPP) guidance and are generally outside appetite unless restructured. High-hazard operations (e.g., severe height exposure, heavy construction with extensive subletting, or maritime/USL&H exposure) are typically not targeted for primary GL/CPP.([blog.frankcrum.com](https://blog.frankcrum.com/hubfs/2023%20RESOURCES%20FOLDER/Workers%20Comp%20and%20Safety/Flyers/PEO_Underwriting%20Guidelines_Flyer.pdf?utm_source=openai)) Commercial Umbrella - Open market umbrella appetite is not clearly detailed on public pages. Given FWCI’s focus on small/mid-market WC and GL, treat umbrella as available primarily over their own underlying WC/GL/CPP for standard hazards, with likely restrictions over excluded or high-hazard classes noted above. Verify availability, limits, and acceptable underlying carriers with an FWCI underwriter at quote. PEO / Minimum Premium Policy (MPP) interaction (broker note) - FrankCrum PEO uses FWCI as its workers’ comp carrier and can issue a Minimum Premium Policy to cover subcontractors or workers not on PEO payroll when needed. Qualification includes: no uninsured subs, subcontractor exposure not greater than 30%, and a six-month audit requirement. Pricing is based on state minimum premiums and process is streamlined with standardized rates and minimal individual underwriter intervention. Brokers are instructed to email pricing@frankcrum.com or use Quote & Connect to request MPP. These criteria are a good proxy for acceptable sub usage and audit expectations on related FWCI WC/GL risks.([blog.frankcrum.com](https://blog.frankcrum.com/hubfs/2023%20RESOURCES%20FOLDER/PEO/Just%20for%20Full%20Proposal%20and%20Training%20Guides/PEO%20-%20Broker%20Training%20Guide.pdf?utm_source=openai)) Broker / producer operational notes - FWCI distributes through a selected independent agent network and promotes "helpful and responsive underwriters" for complex risks. Accounts outside the standard online appetite (higher hazard, multi-state, tough prior history) should be fully documented with operations description, payroll and class detail, loss runs, and any existing safety or drug-free programs.([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - For best results: (1) pair WC and CPP/GL with FWCI to access incentives; (2) avoid submissions with prohibited exposures (tower climbing, mining, USL&H/stevedoring, heavy swing-stage work, heavy uninsured sub use); (3) flag any need for MPP or PEO-related structures early; and (4) use the Winston/Quote & Connect platforms for standard classes and route exceptions to underwriting with justification and supporting documentation.