Crum & Forster Workers' Compensation Insurance

Crum & Forster was founded in 1896 and is headquartered in Morristown, New Jersey. Fairfax Financial Holdings Limited, a Canadian holding company with a broad global insurance portfolio, has owned Crum & Forster since acquiring it in 1998. On August 28, 2025, AM Best announced an upgrade of Crum & Forster Insurance Group's members to a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of aa- (Superior), citing improved balance-sheet strength and operating performance across the group.

Crum & Forster operates through a range of specialty underwriting divisions rather than a single generalist commercial-lines operation, and its workers' compensation business is typically written through these dedicated program units, allowing appetite and pricing to be tailored by industry and risk type. This structure is common among specialty insurers that prioritize underwriting depth in specific trades over breadth across every possible class code.

Crum & Forster's coverage is distributed through independent agents rather than sold directly to the public. A business can access Crum & Forster's specialty workers' compensation programs alongside other carriers through a licensed agency, which can help identify which of Crum & Forster's program divisions, if any, fits a particular employer's operations. As with most specialty carriers, the exact division underwriting a given account can vary by industry, so an agency's familiarity with Crum & Forster's individual programs can matter as much as the parent company's overall rating when narrowing down which carrier to pursue for a specific class of business, payroll size, and claims history.