Comprehensive Insurance Solutions from Crum & Forster
As a trusted carrier with deep experience across diverse lines, Crum & Forster offers a wide range of insurance solutions tailored to meet the evolving needs of your clients. Through our TEST program, we provide flexible coverage options across all available markets, giving independent insurance agents and brokers a reliable partner for placing complex or hard-to-place risks.
Ideal Accounts and Appetite
The TEST program is designed to serve a broad spectrum of industries and risk profiles. Whether your client operates in a niche sector or a mainstream business category, Crum & Forster can help you secure appropriate coverage solutions. Our underwriting team evaluates a wide range of commercial accounts, and we aim to support agents in placing risks that may not fit standard market appetites.
Examples of accounts that may be a good fit include:
- A regional contractor seeking customized liability and property coverage
- A growing retail chain expanding into multiple states with varied exposures
- A professional services firm needing tailored E&O solutions
Coverage Highlights and Advantages
Our TEST program offers access to a full suite of coverages depending on the risk profile, including but not limited to:
- General Liability
- Property
- Professional Liability
- Inland Marine
- Excess & Umbrella
We work with a wide range of markets and leverage our underwriting expertise to deliver competitive coverage structures. Whether your client needs basic protection or complex, layered solutions, Crum & Forster’s market access and flexibility can help you close the deal.
Underwriting Notes and Minimum Premiums
Our team evaluates each submission based on risk characteristics, loss history, and industry class. While the minimum premium for this program may vary depending on the line of coverage and class of business, we strive to offer competitive pricing for well-qualified accounts. Submissions with complete applications, loss runs, and supporting documentation receive priority consideration.
Territories and Availability
The TEST program is available in all 50 states, including the District of Columbia. Whether you’re writing business in California, New York, Texas, or smaller markets like Vermont or Wyoming, Crum & Forster has you covered. Our broad territorial reach makes us a strong partner for agencies with multi-state clients or regional growth strategies.
Why Work With Crum & Forster
As a well-established carrier, Crum & Forster brings stability, flexibility, and underwriting expertise to the table. Our responsive service model, broad market access, and commitment to agents make us a valuable resource for placing difficult or specialized accounts. We understand the challenges agents face in today’s insurance marketplace and are here to provide effective solutions that help you grow your book.
To learn more about our capabilities, visit our company profile or explore the full range of offerings on our storefront.
Frequently Asked Questions
What types of accounts are a good fit for the TEST program?
The program is flexible and can accommodate a wide range of commercial accounts, including contractors, retailers, and professional service providers.
Is this program available in all states?
Yes, the TEST program is available in all 50 states and the District of Columbia.
What types of coverage are offered through this program?
Depending on the risk, available coverages may include General Liability, Property, Professional Liability, Inland Marine, and Excess/Umbrella.
What is the minimum premium requirement?
Minimum premiums vary based on the specific risk and coverage lines, but competitive pricing is available for qualified submissions.
How can I submit a risk for consideration?
Submit a complete application with loss runs and supporting documentation through your appointed channels for prompt underwriting review.
Need help placing an account? Connect with a market specialist.