FrankCrum: Profile and What to Verify
FrankCrum is a third-generation, family-owned PEO enterprise founded in 1981 in Largo, Florida and headquartered in Clearwater - unusual in the category for owning its own AM Best-rated workers compensation carrier, Frank Winston Crum Insurance, since 2003.
At a glance
| Field | Detail |
|---|---|
| Founded | 1981 (staffing origins, Largo FL); PEO lineage from 1986 as Ameristaff |
| Headquarters | Clearwater, Florida |
| Ownership | Family-owned, third generation; Matt and Haley Crum co-presidents since 2020, Frank W. Crum Jr. CEO |
| Distinctive asset | Owns Frank Winston Crum Insurance (2003) - one of few PEOs owning its workers comp carrier; B++ AM Best rated |
| Scale | 500+ corporate employees; 4,000+ clients reported nationwide |
| Market focus | Construction and skilled trades, professional services, medical offices, franchises |
| Structure | Three companies: FrankCrum PEO, Frank Winston Crum Insurance, FrankCrum Staffing |
| IRS CPEO status | Not verified here - check the IRS list for the contracting entity |
| ESAC accreditation | Not verified here - confirm at esac.org |
| Published pricing | None found; quote-based |
Checked 2026-08-25 against frankcrum.com and fwcruminsurance.com company-history pages plus the 45th-anniversary release distributed via GlobeNewswire (June 18, 2026).
What they offer
Owning the comp carrier changes the conversation: claims handling, safety programs and premium financing sit in-house rather than with a third-party master policy. For construction-adjacent buyers that vertical integration can mean faster claims decisions - and it concentrates risk in one family's judgment, which cuts both ways. Staffing sits alongside, so temp-to-perm transitions stay internal.
Who fits
Florida-rooted and Sun Belt SMBs in trades, medical offices and franchises; buyers who prize continuity (no PE exit timeline) and integrated comp underwriting.
Verify before signing
- Whether your comp policy is FWCI-issued or placed elsewhere, and what happens to claims at exit - loss runs.
- Certification status of the contracting entity - explainer.
- Multi-state fit if you expand beyond FrankCrum's core geography - multistate guide.
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Frequently asked
Is FrankCrum family-owned?
Yes - founded 1981 by Frank Crum Sr. and Frank W. Crum Jr.; the third generation co-presides. No private equity involvement is reported.
Why does owning a workers comp carrier matter?
Claims, underwriting and safety programs sit in-house instead of with a separate master-policy insurer, which can speed decisions - but concentrates risk in one carrier.
Is FrankCrum only in Florida?
Headquartered in Clearwater with clients nationwide, though its roots and density are strongest in the Southeast.
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