D
Frank Winston Crum Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.31
Risk Adjusted
Capital Ratio #2
0.23
Loss
Ratio
79.06%
Total
Assets
266.24M
Capital
64.44M
Net
Premiums
63.42M
Net
Income
2.33M
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Weiss Ratings Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Rating D
Capitalization Index 0.90
Investment Safety Index --
Liquidity Index 5.10
Profitability Index 4.90
Reserve Adequacy Index 0.80
Stability Index 5.40
Company Info Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Industry P&C
NAIC Number 11600
Phone Number (727) 799-1150
Website www.fwcruminsurance.com
Address 100 South Missouri Avenue Clearwater, FL 33756
Balance Sheet Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Total Assets 266.24M
Capital and Reserves Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Risk-Adjusted Capital Ratio #1 0.31
Risk-Adjusted Capital Ratio #2 0.23
1-Year Reserve Development 2,930.00%
2-Year Reserve Development 5,820.00%
Capital 64.44M
Premium to Surplus 100.00%
Reserves to Surplus 120.00%
Investments Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Medical Loss Ratio --
Cash From Underwriting 60.00%
Combined Ratio 110.00%
Expense Ratio 30.00%
Loss Ratio 79.06%
Net Premium Growth 10.00%
Other Medical Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Frank Winston Crum Ins Co
Clearwater, FL 		Click to
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Net Income 2.33M
Net Premium 63.42M
Health Premium --