More than a policy.
A promise.

We're a business insurance company dedicated to serving our customers. Since 1959, we've been committed to core values that guide the way we do business: loyalty, integrity, vision, excellence and service.

We know what we stand for, and we believe our commitment to doing the right thing makes us a partner you can trust.

FCCI teammates

FCCI at a glance

Our Financials 

as of 12.31.17, audited

  • $2.4 billion total assets
  • $1.8 billion cash & investments
  • $822 million direct written premium
  • $759 million GAAP equity
  • $595 million statutory surplus

Check out our financial details and reports

Our People   

as of 3.31.18

  • 828 teammates
  • 621 contracted agencies
  • 4,374 appointed producers
  • 22,112 bonded principals
  • 17,427 policyholders

Check out our people

Our Appetite 

The business we write

  • Agribusiness 
  • Construction
  • Manufacturing
  • Medical & Professional Services
  • Offices
  • Restaurant & Hospitality
  • Retail
  • Services & Repair
  • Wholesalers & Distributors

Check out the industries we cover

Our Core Values

At FCCI, we have a solid set of shared values that drives the way we treat others and positions us, our agency partners, and our policyholders for success.

We take ownership.
We are all business owners of FCCI who treat the company as our own and behave with long-term success in mind.

We do the right thing.
We do what we say we’re going to do, hold ourselves and others accountable, and treat everyone with care and respect.

We plan for the future.
We have a clearly articulated vision and employ the best, most talented people to help our vision become a reality.

We lead by example.
We provide the best coverages and services possible and provide our teammates with many opportunities to learn and develop.

We know if you succeed, we succeed.
We build strong partnerships, listen to our customers, and constantly improve and give back to our communities.

How We Operate

FCCI is committed to doing the right thing. That means keeping our promises — every time.
Our ingredients for success:

The independent agents we partner with are a vital part of FCCI. Our agents are knowledgeable in their local markets. They understand their customers’ needs and provide initial assessments that our underwriters use to help control business risk.

We underwrite each policyholder’s risk carefully and individually. This ensures that the business is covered appropriately and that we receive a fair premium for the risk we accept. Our Risk Control representatives also work with policyholders to analyze business exposures and provide a comprehensive risk management plan to help minimize specific risks.

Properly allocating reserves and paying claims fairly and promptly is FCCI's promise to the policyholder. Our claims professionals are trained to investigate, reserve and handle each claim appropriately and efficiently.

Learn more about our claims services

FCCI understands the potential for catastrophic loss. Our prudent use of reinsurance minimizes the overall financial impact of catastrophic losses and backs our promises. We partner with exceptional reinsurance companies that specialize in providing this important coverage.

We stand strong as a well-invested mutual holding company with more than adequate reserves to pay current and future claims. We know our policyholders are counting on us, and we're committed to living up to our legacy of trust and responsibility.

The fight against
Distracted Driving

In April 2017, FCCI ran an “I Promise to Drive Cell Phone-Free” campaign for Distracted Driving Awareness Month. Teammates and their family members signed pledge cards and committed to driving cell phone-free for the month. Our Risk Control consultants can help policyholders run the same type of campaign in their offices — but don't wait! Pledge now to drive cell phone-free!

Read more about last year's campaign here

See what else is happening with FCCI
FCCI teammates holding cell phones with pledge stickers

FCCI teammates pledge to drive cell phone-free

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