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
Overall appetite & distribution - Commercial lines carrier focused on small business, distributed through a limited, selected network of independent agents; they emphasize being "small business focused" with construction and Main Street risks highlighted. Agents must be appointed; they intentionally keep a relatively small but active agency plant and provide online quoting via their Winston platform. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) Workers’ Compensation - Geography: Described as offering workers’ compensation in 38 states plus DC; specific state list is not shown on the public page, so agents should confirm state eligibility in Winston or with underwriting before marketing multi‑state accounts. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Target profile: Small to mid‑size employers; explicit appetite for start‑ups, accounts with lapsed or no prior coverage, and unique/"harder to place" risks when there is a reasonable story and controls in place. They position themselves as willing to consider risks other standard carriers decline, provided underwriting can structure acceptable terms. ([fwcruminsurance.com](https://www.fwcruminsurance.com/?utm_source=openai)) - Preferred classes: 350+ WC class codes written; convenient online quote‑and‑bind for 120+ of those codes through Winston. Marketing emphasizes construction and contractor trades, and Main Street types (e.g., typical small business retail/service) rather than heavy industrial. Expect best fit where payrolls are modest and safety programs are present. ([fwcruminsurance.com](https://www.fwcruminsurance.com/?utm_source=openai)) - Payment & program features: Direct bill with multiple payment options, including a PayGo–style pay‑as‑you‑go option to support insured cash flow. Integration with risk management and safety services provided by the broader FrankCrum enterprise. These features are considered selling points in submissions. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents/workers-compensation-program?utm_source=openai)) - Restricted/declined: Public‑facing material does not list WC‑specific prohibited classes by code for the mono‑line program. Agents should expect standard WC exclusions (USL&H, coal/mining, extreme height exposures, etc.) and use Winston’s referral prompts; anything outside normal appetite is handled via underwriting referral built into the platform. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) Contractor / GL & Package - Contractor program: Separate "Contractor Program" is promoted with a broad underwriting appetite for contractor and trades businesses, delivered as a dedicated program for agents. Likely oriented around GL and related coverages with options to pair with WC. Ideal targets are typical artisan and small GC trades (carpentry, electrical, plumbing, HVAC, smaller remodeling) rather than heavy structural or specialty high‑hazard contractors. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) - Risk profile: Marketing stresses flexibility and willingness to accept some non‑standard features when there is a good underwriting story. Expect tighter scrutiny on structural GCs, roofing at heights, and contractors with significant subcontracted work, even if not publicly listed as outright declines. Commercial Package Policy (CPP) - Product scope: CPP bundles core small business coverages: General Liability, Business Personal Property, Business Income, Crime/Fidelity, and Inland Marine into one policy. Positioned for Main Street businesses needing a comprehensive package—retail, offices, light mercantile, and service accounts are implied best fits. ([fwcruminsurance.com](https://www.fwcruminsurance.com/?utm_source=openai)) - Appetite: Designed for smaller insureds in the communities they serve, often written alongside their WC and/or contractor solutions. Heavy manufacturing, large habitational, and high‑hazard products exposures are likely outside appetite or require referral. Commercial Umbrella - The carrier’s site does not expose a dedicated umbrella appetite sheet. Given their small‑business orientation and CPP focus, expect any commercial umbrella to be oriented around schedules of in‑house primary GL/auto/WC on small to mid‑size risks and to be underwritten conservatively on high‑hazard classes. Agents should treat umbrella as a referral‑driven line and check availability within Winston or directly with underwriting. PEO / Co‑branded WC via FrankCrum - FrankCrum PEO uses Frank Winston Crum Insurance paper for workers’ compensation on PEO clients; separate underwriting applies through the PEO channel, with added focus on HR and safety controls. Guidelines for that program are maintained on the FrankCrum side and not detailed on the carrier site, so brokers should route PEO prospects through FrankCrum brokerage/broker services rather than standard agency appointment. ([frankcrum.com](https://www.frankcrum.com/contact-us?utm_source=openai)) Submission & underwriting process - Access: Agents must be appointed to use Winston, the online quote/bind and servicing portal. Agent login and new‑agent application are handled via the carrier’s agent login page or agent‑interest form; there is no walk‑up market for non‑appointed retail agents. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) - Workflow: The Winston platform supports fast quoting, integrated underwriting referrals, and one‑click renewals. For business that falls outside automatic appetite, Winston prompts a referral to underwriters; agents should use those notes to explain risk characteristics, controls, and any adverse history. ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) - Documentation expectations (implied): Although not spelled out line‑by‑line, agents should expect standard small commercial submission elements: completed ACORDs, detailed class codes and operations description, current and prior term loss runs, experience mod data where applicable, and payroll/exposure detail by class and state for WC. Broker / producer notes - Limited agent plant: They stress "we don't partner with many agents" and highlight that they invest heavily in the agents they do appoint. Prospective producers should position themselves as growth‑oriented in small‑business/commercial niche segments (especially construction and Main Street). ([fwcruminsurance.com](https://www.fwcruminsurance.com/agents?utm_source=openai)) - Service access: Underwriting and agent services are directly reachable; the contact‑us page lists separate phone contacts for commercial underwriting and customer solutions, supporting the message of high‑touch service for appointed agents. ([fwcruminsurance.com](https://www.fwcruminsurance.com/contact-us?utm_source=openai)) - Claims & risk management: The broader value proposition to policyholders includes risk management services and actively managed claims, which can be used as differentiators when presenting FWCI to insureds. Agents should highlight safety resources and proactive claims handling on workers’ compensation and other casualty lines. ([fwcruminsurance.com](https://www.fwcruminsurance.com/contact-us?utm_source=openai)) Operationally, use this market for: small‑business workers’ compensation (including some startup/no‑prior), contractor‑focused packages, and bundled CPP solutions in eligible states, with umbrella handled on a case‑by‑case referral basis. All non‑standard or higher‑hazard exposures should be pre‑discussed with underwriting via Winston or direct underwriter contact, as formal, granular public class‑by‑class prohibitions are not listed.