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Frank Winston Crum Insurance Launches New Commercial Package Policy

Introduction to the New Offering

CLEARWATER, Fla., Jan. 22, 2026 (GLOBE NEWSWIRE) — Frank Winston Crum (FWC) is excited to unveil its latest innovation: the Commercial Package Policy (CPP). This new insurance solution is specifically crafted to address the diverse and ever-changing needs of small businesses. By consolidating critical coverages like General Liability, Property, Crime & Fidelity, and Inland Marine into a single adaptable policy, it simplifies the insurance process and enhances protection for business owners.

Essential Coverage Details

At the core of the new CPP is General Liability, which is essential for any business. The initial rollout of this policy is primarily directed toward businesses that lease or rent their premises. As such, the property coverage is confined to Business Personal Property (BPP) and Business Income (BI). Initially, policies will have a cap of up to 5 locations and a maximum of $2 million in total insurable property value.

a Commitment to Innovation

“Our new CPP reflects FWC’s unwavering commitment to innovation, simplicity, and the success of agents,” stated Matt Crum, President of FWC. “This product has been intentionally designed to be modular, credible, and easy to sell. It equips agents with the necessary tools to protect small businesses effectively and efficiently.” The flexibility incorporated into the CPP allows agents to tailor policies according to the specific needs of their clients, ensuring a customized approach to business protection.

Tailored for Small Businesses

This initial offering is predominantly aimed at small businesses, defined as those having fewer than 50 employees. These include a wide range of sectors such as medical offices, e-commerce platforms, retail stores, delis, and general service providers. Moreover, additional endorsements like Hired and Non-Owned Auto Liability (HNOA) and Professional Liability (PL) are available for eligible service-based businesses. However, it’s important to note that contractors and those in construction-related industries are excluded from this CPP program, allowing FWC to complement its existing offerings more effectively.

Future Plans for Expansion

Looking ahead, Lynnae Martinez, CPP Product Manager at FWC, shared, “Over time, we plan to broaden our horizons by expanding into additional industries and enhancing our property coverage options, thereby improving the overall flexibility of the CPP. We aim to adapt and grow in line with the evolving needs of agents and the businesses they serve.” This proactive approach ensures that FWC remains ahead of the curve, meeting the demands of a dynamic market.

Significance of the Launch

This launch represents a crucial milestone in FWC’s overarching growth strategy. Following an impressive 98% increase in business from 2021 to 2024 and a comprehensive revamping of its agent technology platform, FWC is committed to elevating the agent experience through enhanced speed, flexibility, and direct access to underwriters. This innovative approach not only benefits agents but also ensures that small businesses receive the protection they need efficiently.

How AI legalese decoder Can Assist

Navigating the complexities of insurance policies can often be a daunting task for small business owners and agents alike. The AI legalese decoder can serve as a valuable tool in this context. By simplifying legal jargon and presenting it in clearer terms, the AI legalese decoder enables agents and clients to understand their policies thoroughly. This understanding can enhance their ability to make informed decisions about coverage options, ensuring that they are adequately protected under the new CPP.

Opportunities for Agents

Become an Agent with FWC

If you’re interested in joining a forward-thinking company that values its agents, consider learning more about becoming an agent with Frank Winston Crum Insurance. Visit fwcruminsurance.com/agents for further details on how you can join their innovative team.

Media Contact Information

For any media inquiries, please reach out to:

Angie Garcia
Senior VP of Marketing
Frank Winston Crum Insurance
Email: [email protected]
Phone: 727-726-2786 x2365

More About Frank Winston Crum

Frank Winston Crum (FWC) is a national commercial insurance provider specializing in workers’ compensation, commercial package policies, and contractor coverage solutions. FWC works exclusively with independent agents to offer quick and flexible insurance solutions from various carriers, including those represented by Frank Winston Crum Insurance. Established in 2003, FWC is dedicated to continuous innovation and growth, regularly introducing new products and technologies designed to streamline the insurance experience. Guided by principles of integrity, respect, and prosperity, FWC is committed to fostering long-term relationships and mutual success. For more details, visit www.fwci.com.

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