Business, Commercial Insurance - Why FCCI?

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Why FCCI?

Partnering with an insurance carrier is one of the most important business decisions you can make. You need to go with someone you can trust. So what is it about FCCI Insurance Group that earns trust? We pride ourselves on our legacy of responsibility and commitment to our customers.

FCCI has been providing commercial insurance since 1959. We began as a small business insurance company in Florida and have grown into a super-regional carrier who values strong relationships and delivers on our promises.

We operate exclusively through local independent agents who you can trust to know your business and your community. We ensure our partnerships are built on knowledge, integrity and personalized service that sets us apart.

Policyholders, Partners and Promises

Watch our video to learn what makes insurance agents recommend FCCI to their customers and what makes business owners choose FCCI to insure their commercial insurance needs.

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A Focus on Partnership

FCCI partners with select independent agencies who share our commitment to excellence and customer service. We work closely with our agents so we can make decisions that make the most sense for our customers. Policyholders rely on the homegrown knowledge of local FCCI teammates and agents. Nothing offers peace of mind quite like people who really know you and your business.

Over the years, FCCI has expanded our presence and our products to meet the needs of our growing customer base. Today, FCCI insures more than 15,800 policyholders and 16,000 bonded principals in 20 states.

By partnering together, your independent insurance agent and FCCI can help your business proactively manage risks and lower your net cost of insurance.

Want to learn more about partnering with us? Become an agent today

FCCI teammates and agent work together with a policyholder

We Go the Extra Mile with Extra Services

Our TeamWorks program includes an on-site consultation with the policyholder, agent and the FCCI team to discuss your business goals, concerns, and needs. From this meeting, we follow through with specific services with our policyholders that include specially tailored risk management analyses and on-going, in-person visits from the entire insurance team. This level of personalized attention helps us build a solid foundation and develop relationships with our policyholders. We meet you where you are and partner with you for success.

Watch our video

For us, everything rides on relationships, reputation and commitment, which is why FCCI is an insurance carrier of choice for us.
— Jim Ryskamp, CPCU Commercial Account Executive, BHS
Grandville, Michigan

Supporting A Strong Local Presence

FCCI is committed to maintaining a strong local presence. We hire local talent who live and work in the communities they serve, who understand the insurance regulations in their respective jurisdictions, and who value the critical role that FCCI teammates play in delivering our promise to the policyholder.

Our regional operational structure and local decision making sets us apart from other carriers. When decisions are made at the local level and your claims adjusters, risk control consultants and medical case managers know your business and your community, everyone benefits.

View our regional office locations

Our Industry Experts

FCCI employs professionals in the property and casualty industry. Expertise combined with local presence makes all the difference. We provide a personalized approach to help you successfully navigate complex insurance matters.

Whether you are working with an FCCI claim adjuster, risk control consultant, customer service representative or billing coordinator, you can be sure that your business is being handled by a capable professional who cares.

Learn more about the industries we cover

RIsk Control Consultant at a construction job site

Claims management is one of the main keys to controlling cost. FCCI claims professionals possess a depth of knowledge and expertise not always found in the marketplace. Whether dealing with attorneys or employees, their expertise translates to reduced claim cost and reduced premiums in the long run. This experience is what I sell to my customers."
— Danny Anderson CPCU, AAI Regional President Insurance Office of America,
Longwood, Florida

Our Mutual Structure

Our mutual structure allows us to base decisions on customer feedback instead of shareholder interest. Unlike a public company that makes decisions based on stock exchange prices, FCCI's mutual holding model lets us take a long range approach to planning. We can focus on making our 59 years of industry expertise work best for our policyholders. And that's what matters most.

See how our history of financial strength can go to work for you.

Learn more about our financials

Our Ethics and Integrity

Since 1959, FCCI has established a pattern of "doing what we say we're going to do." For nearly 60 years, our commitment to doing the right thing has not changed. Ethics and integrity will always be the foundation of everything we do. To learn more about our core values and how they inspire the way we do business, view FCCI’s Notice to Our Business Partners and FCCI’s Code of Business Conduct and Ethics.

Our employees are committed to upholding FCCI's long-standing traditions of building relationships and serving others.

Learn more about our people