Frank Winston Crum Insurance (FWCI)

FWCI is a new admitted market for Workers’ Comp and Contractor/Artisan GL, with a Package option (BOP-like, no building coverage; BPP/TIV ≤ $2M) available in select states. WC is confirmed in: AL, AZ, AR, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI (not currently in CA, WA, MN, ND, OH, MA, NY, AK, HI, WY). The previously noted rollout states TX, FL, GA, TN, NC, SC, VA, OK are the ones to think of as WC + Package availability (not just WC). Inland Marine and Excess can be tagged onto the GL but cannot be written stand-alone. Appetite is strongest for construction trades—especially roofing, fiber/trench crews, and remodelers/handyperson—and not for churches or trucking. Quoting note: GL is payroll-rated and class-code driven; add incidental ops as “if any” class codes with $0 payroll to extend coverage without additional cost. Also, if applicable, answering “Yes” to prior insurance can help avoid the prior work exclusion.