Crum & Forster
Crum & Forster is a 200+ year-old U.S. national property & casualty and accident & health insurance carrier, wholly owned by Fairfax Financial Holdings, rated A+ by AM Best, and serving middle market, small business, and specialty/surplus customers through wholesale brokers, retail agents, and digital platforms across 47-48 states.
- Company typePrivate
- Founded1822
- HeadquartersMorristown, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Crum & Forster does
Crum & Forster is a national U.S. property & casualty and accident & health insurance carrier founded in 1822 and headquartered in Morristown, New Jersey, operating as a wholly-owned subsidiary of Fairfax Financial Holdings Limited. The company is rated A+ (Superior) by AM Best and AA- (Very Strong) by S&P, and issues admitted and non-admitted paper through multiple carriers (United States Fire Insurance Company, North River Insurance Company, Crum & Forster Indemnity, Seneca Insurance, MTAW) across 47-48 states plus DC. Its Property & Casualty division spans Commercial Lines (Middle Market, Target Segments, Construction, Risk Management), Financial Lines (D&O, Professional Liability, Cyber, Crime & Fidelity), Surplus & Specialty (Binding Authority, E&S Construction, Energy, Environmental, Excess & Umbrella, Primary Special Risk, Security, Sharing Economy, Small Business), Property (E&S Property, Property Programs, Inland Marine, Product Recall), and Surety (Commercial, Contract, Bail Bonds). The Accident & Health division offers Stop Loss, Ancillary Benefits, Special Risk, International Travel Medical, Occupational Risk, Travel, Pet, and Captive solutions.
The company is built on traditional insurance infrastructure augmented by a set of digital platforms. The C&F Connect Marketplace provides 24/7 policyholder and producer self-service for risk management, loss runs, claim reporting, and billing. A binding authority automated underwriting platform enables wholesale brokers and MGAs to rate, quote, refer, bind, and issue small commercial policies with API/web-service integration into agent portals and comparative raters. Vertical-specific digital intake tools include the Energy Online Supplemental Application and a Visual Audit Web Portal for premium audit documentation. CYBEReady Calls and CYBER Assist provide cyber readiness consultation and 24/7 incident response for cyber policyholders. There is no indication of proprietary AI/ML-driven underwriting models; the digital stack is positioned as integration- and automation-oriented rather than model-native.
Crum & Forster generates revenue primarily through premium income across P&C and A&H lines, plus ancillary fee-based services such as captive insurance and rent guarantee backing. It distributes products through wholesale brokers and MGAs, retail agents, locally-based Hawaiian agencies, and direct/portal channels, supported by regional field sales, dedicated underwriting practice leaders, and risk engineering and claims services. The customer base is diversified across middle market commercial, small business, and specialty/surplus accounts in verticals including construction, energy, agribusiness, hospitality, healthcare, real estate, manufacturing, and the gig/sharing economy. The company employs 1,001-5,000 people and is led by CEO Marc Adee.
Crum & Forster firmographics
Firmographics- Name
- Crum & Forster
- Legal name
- United States Fire Insurance Company
- Website
- https://cfins.com
- Company type
- Private
- Founded year
- 1822
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Crum & Forster is a 200+ year-old U.S. national property & casualty and accident & health insurance carrier, wholly owned by Fairfax Financial Holdings, rated A+ by AM Best, and serving middle market, small business, and specialty/surplus customers through wholesale brokers, retail agents, and digital platforms across 47-48 states.
- Ownership category
- akta.pro rank
Where Crum & Forster is headquartered
LocationHeadquarters
- HQ city
- Morristown
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Crum & Forster business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Property & Casualty Insurance: Crum & Forster generates primary revenue through underwriting property and casualty insurance policies including commercial lines, financial lines, surplus & specialty lines, property, and surety. Premiums are collected from policyholders across all commercial insurance segments.
- Accident & Health Insurance: Revenue from A&H products including stop loss, employer medical gap insurance, ancillary benefits, special risk, international travel medical, occupational risk, and travel insurance.
- Gig Economy Insurance Products: Specialized insurance products for gig economy platforms and workers including delivery networks, rideshare, and sharing economy platforms, providing auto liability, supplemental liability, and general liability coverage.
- Rent Guarantee Insurance (Partner): Crum & Forster provides backing for third-party rent guarantee products (e.g., PandaGuarantee), earning premium income while partners handle distribution and customer relationships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Commercial Lines - quote-based pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Crum & Forster product offering
Product offeringCore offering
Crum & Forster is a national property, casualty, and accident & health insurance company that underwrites and distributes commercial insurance products on both admitted and non-admitted paper across the United States. It delivers coverage through middle market, target segment, construction, financial lines, surplus & specialty, property, surety, and accident & health divisions via wholesale brokers, MGAs, retail agents, and digital self-service platforms. The company also provides integrated risk engineering, claims services, premium audit, and the C&F Connect Marketplace online portal for policyholders and producers.
Product overview
Crum & Forster is a national property, casualty, and accident & health insurance company founded in 1822, rated A+ (Superior) by AM Best and AA- (Very Strong) by S&P. The company's Product & Casualty division encompasses Commercial Lines (Middle Market Solutions, Target Segments, Financial Lines, Construction, Surplus & Specialty, Property, and Surety), while the Accident & Health division offers Stop Loss, Ancillary Benefits, Special Risk, International Travel Medical, Occupational Risk, Travel, Pet Insurance, and Captive Solutions. Key platforms include C&F Connect Marketplace, a customer-facing portal for account management. The company operates affiliated companies including Seneca Insurance, DMC Insurance, Redwoods Group, and C&F SPC Captive.
Differentiator
Problem solved
Functional benefit
Brands
- C&F Connect Marketplace: Online portal for policyholders and producers providing 24/7 access to risk management information, loss runs, claim reporting and other interactive reports.
- C&F Security
- Simple Cyber Policy
- CYBEReady
- CYBER Assist
- Project DASH Partnership
- C&F SPC Captive
Products and services
- Commercial Lines – Middle Market Solutions Admitted multiline property and casualty insurance for middle market industries including Manufacturing, Commercial Real Estate, Hospitality, Wholesale & Distribution, and Retail Merchandise Stores, with optional Risk Management and Loss Sensitive Insurance programs for accounts with premiums of $100,000 or greater.
- Commercial Lines – Target Segments
- Financial Lines (Executive Risk)
- Construction Insurance Segment – Admitted
- Surplus & Specialty Lines
- Property Insurance and Product Recall
- Surety Bonds
- Stop Loss & Excess Medical Insurance
- Ancillary, Life & Supplemental Benefits
- Special Risk Insurance
- International Travel Medical Insurance
- Occupational Risk Insurance
- Travel Insurance
- Pet Insurance
- Captive Insurance Solutions
- Hawaii Commercial and Personal Insurance
- C&F Connect Marketplace
Quantifiable outcome
- Projected 17,000+ home deliveries per month through DoorDash Project DASH partnership supporting communities facing food access barriers
- +1 more outcomes
Companies that use Crum & Forster
Customer profileNamed customers9 records
Segments9 records
Ideal customer profiles7 records
Crum & Forster technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Crum & Forster partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- DoorDash's Project DASHminorCrum & Forster announced a collaboration with DoorDash's Project DASH to expand food access and home delivery programs across the United States, supporting nonprofits to enable deliveries of fresh groceries to communities facing barriers. The initiative is projected to facilitate more than 17,000 home deliveries each month. The partnership reflects both companies' broader commitment to corporate philanthropy and community impact, while also highlighting C&F's interest in the gig economy space as an insurance provider to that sector.
- PandaGuaranteeminorPandaGuarantee, an Austin-based lease guarantor company, launched its institutional lease guarantee product in New York City backed by Crum & Forster (rated A+ by AM Best). The service provides landlords full protection against tenant default while charging renters a one-time annual fee of 3%-8% of yearly rent. Crum & Forster provides the insurance backing while PandaGuarantee handles distribution and customer relationships.
- Stout (Automotive Recall Consulting)minorCrum & Forster's Crisis Management unit announced a new partnership with Stout for automotive industry recall consulting. Under this arrangement, automotive component manufacturing clients of Crum & Forster now have access to Stout's consulting services including pre-incident component defect analysis, recall preparedness and risk assessments, and post-incident component defect and recall response.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Crum & Forster competitors and assessment
Company assessmentDirect peers
- AXA XL: Specialty commercial P&C division of AXA serving large enterprises and mid-market specialty risks. Comparable specialty product breadth in property, casualty, and professional lines but with global and large-account reach.
- Cincinnati Financial: Property casualty insurer built around independent agent distribution of middle-market commercial specialty lines. Directly comparable specialty underwriting focus and agent-driven distribution.
- RLI Corp: Specialty P&C insurer focused on commercial niche and personal specialty lines, including E&S exposure. Comparable niche-driven underwriting model and profitable specialty book at similar scale to Crum & Forster.
- The Hartford: Major commercial P&C carrier focused on middle market, small business, and specialty lines. Overlapping middle-market commercial underwriting and agent distribution profile, though materially larger scale.
- Kinsale Capital: Specialty E&S insurer with niche commercial focus and underwriting-led model. Comparable surplus lines expertise and small-business binding-authority approach to Crum & Forster's surplus & specialty division.
- Hanover Insurance Group: Mid-sized U.S. specialty and middle-market commercial P&C insurer with comparable focus on niche verticals and agent/broker distribution. Closely mirrors Crum & Forster in specialty P&C breadth, scale, and underwriting philosophy.
- Markel Group: Specialty insurer combining specialty insurance, reinsurance, and insurance-linked securities. Comparable specialty P&C underwriting culture and niche-vertical breadth (construction, energy, property).
- W.R. Berkley: Specialty commercial P&C and reinsurance insurer with a strong E&S franchise across 60+ operating units. Comparable surplus lines and specialty niche structure to Crum & Forster, though somewhat larger.
Broad incumbents
- Chubb: Global specialty P&C and commercial insurer with deep specialty product breadth. Overlaps with Crum & Forster in specialty, surplus lines, and accident & health but is significantly larger, global, and serves larger enterprise accounts.
- Travelers: Largest U.S. commercial property casualty insurer with broad commercial, specialty, and personal lines. Competes with Crum & Forster across middle market and specialty commercial lines but is much larger and broader in portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Crum & Forster social profiles
Digital presenceCrum & Forster financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crum & Forster leadership team
Management profileNumber of profiles
Profiles20 records
Crum & Forster subsidiaries and ownership
Company hierarchySubsidiaries11 records
Crum & Forster funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crum & Forster M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crum & Forster
What does Crum & Forster do?
Crum & Forster is a national property, casualty, and accident & health insurance company that underwrites and distributes commercial insurance products on both admitted and non-admitted paper across the United States. It delivers coverage through middle market, target segment, construction, financial lines, surplus & specialty, property, surety, and accident & health divisions via wholesale brokers, MGAs, retail agents, and digital self-service platforms. The company also provides integrated risk engineering, claims services, premium audit, and the C&F Connect Marketplace online portal for policyholders and producers.
Is Crum & Forster a public or private company?
Crum & Forster is a private company. It is classified as corporate owned and is currently operating.
When was Crum & Forster founded?
Crum & Forster was founded in 1822. It employs 1,001 to 5,000 people.
Where is Crum & Forster based?
Crum & Forster is headquartered in Morristown, United States, in the North America region.
How does Crum & Forster make money?
Four revenue lines are on record. Property & Casualty Insurance is the primary driver. The others are accident & Health Insurance, gig Economy Insurance Products and rent Guarantee Insurance (Partner).
Who are Crum & Forster's main competitors?
Direct peers on record are AXA XL, Cincinnati Financial, RLI Corp, The Hartford, Kinsale Capital, Hanover Insurance Group, Markel Group and W.R. Berkley. Broad incumbents are Chubb and Travelers.
Does Crum & Forster have an API?
No public API is recorded for Crum & Forster.