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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 December 31, 2023, audited

  • $3.0 billion total assets
  • $2.0 billion investment portfolio
  • $1.1 billion direct written premium
  • $976.6 million GAAP members equity
  • $908.4 million statutory surplus
  • $3.2 million policyholders' dividends paid
  • $49.1 million statutory net income

SEE OUR FULL CONSOLIDATED FINANCIAL STATEMENTS

Our People   

As of December 31, 2023

  • 870 teammates
  • 551 contracted agencies
  • 3,839 appointed producers
  • 12,582 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

Mission Statement

FCCI empowers its teammates to deliver commercial insurance products and services so businesses can thrive and face the future with confidence.

View Mission Statement Video

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.

Loyalty:
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.

Integrity:
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.

Vision:
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.

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

Service:
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.

Giving Back

Serving our communities is a vital part of FCCI's culture. Through charitable giving, sponsorships, and volunteerism, we give back and help our communities grow stronger.  In 2019, FCCI teammates volunteered 4,424 hours and raised $103,964 for charities.

Learn more about FCCI's community involvement
FCCI teammates volunteer as part of National Public Lands Day

FCCI teammates volunteer as part of National Public Lands Day

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