Crum & Forster’s

Crum & Forster (C&F) is an insurance company offering a range of insurance products and services to businesses and individuals.

  1. Commercial Insurance:
    • Crum & Forster offers a comprehensive suite of commercial insurance products tailored to the needs of businesses across various industries. This may include coverage for general liability, commercial property, professional liability, cyber liability, commercial auto, and more.
  2. Specialty Insurance:
    • Crum & Forster specializes in providing insurance solutions for niche markets and unique risks. This may include specialty lines such as environmental liability, construction, surety bonds, entertainment, marine, and excess and surplus lines.
  3. Management Liability:
    • Crum & Forster provides management liability insurance to protect businesses and their executives from various management risks, including directors and officers (D&O) liability, employment practices liability (EPL), fiduciary liability, and crime insurance.
  4. Surety Bonds:
    • Crum & Forster offers surety bonds to guarantee the performance of contractual obligations. Surety bonds are commonly used in construction, real estate, and other industries to ensure that parties fulfill their obligations under contracts.
  5. Professional Liability:
    • Crum & Forster provides professional liability insurance, also known as errors and omissions (E&O) insurance, to protect professionals from claims of negligence or inadequate performance in their professional services. This may include coverage for lawyers, accountants, architects, engineers, and other professionals.
  6. Accident and Health Insurance:
    • Crum & Forster may offer accident and health insurance products, including group accident insurance, travel insurance, and other supplemental health coverage options.
  7. Personal Lines Insurance:
    • While Crum & Forster primarily focuses on commercial insurance, they may also offer personal lines insurance products such as homeowners insurance, renters insurance, and personal umbrella insurance to individuals and families.
  8. Reinsurance:
    • Crum & Forster operates a reinsurance division, providing reinsurance solutions to insurance companies and other risk-bearing entities. Reinsurance helps spread risk and provides financial stability to primary insurers.

Coverage options may encompass, but are not restricted to:

  • Hospital room & board
  • Physician indemnity
  • Wellness benefits
  • Inpatient and outpatient surgery
  • Anesthesia
  • Laboratory/X-rays/diagnostics
  • Physical therapy
  • Emergency room visits
  • Ambulatory services
  • Accident Medical Expense / AD&D

Accidental death and dismemberment, accident medical expense, and weekly accident indemnity are among the benefits that can be tailored to meet the needs of valid associations, affinity groups, and financial institutions.

Short Term Medical Temporary medical coverage provides accident and sickness benefits for individuals under 65 during transitional periods, such as changes in employment, graduating students, or while waiting for Medicare.

Flexible coverage options, including varying deductibles, coinsurance, and length of coverage, are available to meet individual needs.

Life Products Crum & Forster’s new Life insurance business unit enhances and diversifies our Accident and Health offerings. With Certificates of Authority in 48 states and DC (pending approval in MN, OR), sales are set to commence in 2022.

Cancer / Critical Illness Cancer and Critical illness plan designs are built upon C&F’s group accident and group indemnity product platform.

Plans provide a lump sum payment upon the first diagnosis of a specified condition.

Coverage can be tailored to focus on conditions like Cancer or expanded to include additional conditions such as heart attack, stroke, major organ transplant, and similar conditions.

Medicare Supplement In addressing the insurance needs of our senior population, we emphasize not whether to supplement, but where, when, and how to supplement effectively.

Accident and Health Insurance, also known as A&H insurance, is a type of coverage that provides financial protection against unexpected medical expenses resulting from accidents or illnesses. This insurance typically offers a range of benefits designed to support policyholders in managing healthcare costs and addressing the financial impact of unforeseen medical events.

  1. Medical Expense Coverage:
    • Accident and Health Insurance typically covers a variety of medical expenses incurred as a result of accidents or illnesses. This includes hospitalization, surgical procedures, doctor visits, emergency room visits, diagnostic tests, and prescription medications.
  2. Hospitalization Benefits:
    • A&H insurance may provide benefits for hospital stays, including room and board charges, intensive care unit (ICU) fees, and other hospital-related expenses. Coverage for hospitalization helps policyholders manage the high costs associated with inpatient medical care.
  3. Surgical Expense Coverage:
    • Accident and Health Insurance often includes coverage for surgical procedures, including surgeon fees, operating room charges, anesthesia, and related surgical expenses. This benefit helps alleviate the financial burden of necessary surgeries.
  4. Emergency Medical Care:
    • Many A&H insurance policies offer coverage for emergency medical care received due to accidents or sudden illnesses. This can include ambulance services, emergency room treatment, and urgent care visits, ensuring timely access to necessary medical attention.
  5. Rehabilitation Services:
    • Some Accident and Health Insurance policies include coverage for rehabilitation services following an accident or illness. This may encompass physical therapy, occupational therapy, speech therapy, and other forms of rehabilitative care aimed at restoring function and mobility.
  6. Accidental Death and Dismemberment (AD&D) Benefits:
    • A&H insurance policies may provide benefits in the event of accidental death or dismemberment resulting from covered accidents. This benefit typically pays out a lump sum or provides ongoing payments to beneficiaries or the insured in the event of specified accidental injuries or fatalities.
  7. Coverage for Travel-related Medical Expenses:
    • Some Accident and Health Insurance policies offer coverage for medical expenses incurred while traveling, such as emergency medical treatment abroad, medical evacuation, and repatriation of remains.
  8. Critical Illness Coverage:
    • Certain A&H insurance plans may include coverage for critical illnesses, such as cancer, heart attack, stroke, or organ failure. This coverage provides financial support to policyholders facing significant medical challenges.
  9. Accident Disability Income:
    • Some A&H insurance policies offer disability income benefits in the event the policyholder becomes temporarily disabled due to a covered accident. This benefit provides partial replacement of lost income during the disability period.
  10. Wellness Benefits:
    • Some insurers may include wellness benefits as part of their Accident and Health Insurance offerings. These benefits may include coverage for preventive care services, health screenings, vaccinations, and other wellness-related expenses.


For Motor Carriers and Independent Owner Operators C&F’s Occupational Accident Insurance department specializes in providing coverage for Motor Carriers and Independent Owner Operators. Offering a full product suite, entirely serviced by a single department, applicable to the transportation segment:

  • Truckers Occupational Accident
  • Contingent Liability
  • Workers’ Compensation
  • Physical Damage
  • Non-Trucking Liability
  • Passenger Accident
  • Texas Non-subscriber Insurance
  • Alternative Risk and Captive Solutions


  • No Under Dispatch requirement
  • No On-Duty requirement
  • No Commercial Driver’s License requirement
  • No Accidental Death sublimit, which means there is no survivor benefit needed
  • No age-based benefit reduction after age 65


  • Accidental Dismemberment – Loss of Use
  • Temporary Total Disability – Based on a maximum of 100% of Gross Earnings
  • No Medical Caps or Sub Limits
  • No Aggregate Limit at the account (group) level

For the Gig/Sharing Economy Worker C&F is a leading provider of Occupational Accident insurance for Gig Economy Platforms and workers offering comprehensive solutions customized to the unique needs of this workforce.

Coverages include:

  • Occupational Accident
  • Contingent Liability
  • General Liability
  • Professional Liability
  • Workers’ Compensation
  • Alternative Risk and Captive Solutions


Workers’ Compensation

A policy issued to a company that covers the workplace accidents of their most valued resource, the employees. At C&F, there is knowledge and expertise combined with coverage solutions that protect businesses and employees.

There is a disciplined group of claims professionals that achieve results through a blend of precise investigation and state-of-the-art medical management program.

Texas Non-Subscriber Insurance solution for employers that opt out of Workers’ Compensation in Texas, allowing the freedom to design their comprehensive accident policy for their employees.

The program offers coverage suitable for all types of employer groups. Some of the benefits provided under the program:

  • Medical
  • Accidental Death & Dismemberment
  • Temporary and Total Disability as well as Employers’ Liability.