FCCI Commercial Insurance
FCCI Insurance is a Southeast regional commercial carrier with deep appetite for construction, contractors, and middle-market commercial in Georgia, Florida, and the Carolinas.
Ratings
How This Carrier Rates
Overview
About This Carrier
FCCI Insurance Group, headquartered in Sarasota, Florida, is a Southeast-regional commercial carrier with particular strength in construction, contractor operations, and middle-market commercial property and casualty lines. FCCI writes commercial property, general liability, workers compensation, commercial auto, commercial umbrella, and inland marine coverage in Florida, Georgia, North Carolina, South Carolina, Alabama, and several other Southeast and South-Central states. For Olive Cover commercial customers in the construction and contractor segments, comparable carriers in this segment include The Hartford Commercial, Hanover Commercial, and Travelers Commercial.
Why Choose Them
What This Carrier Does Well
Deep appetite for construction and contractor operations, with claims expertise in the segment
Southeast-regional focus means competitive pricing on Georgia and adjacent-state contractor accounts
Inland marine and contractor equipment specialty coverage available alongside general commercial
Limitations to Know
Where They Fall Short
Limited geographic footprint outside the Southeast (no coverage in many Midwest, Northeast, West Coast states)
Smaller commercial brand recognition than national carriers like Travelers, The Hartford, or CNA
Less appetite for non-construction specialty risks (technology, life sciences, professional services) compared to Zurich or specialty markets
Right Fit
Who They Are Best For
Best Fit For
Construction contractors, general contractors, light manufacturing, distribution and warehousing, and mid-market commercial businesses in the Southeast. FCCI fits accounts with $500K to $25M revenue and clean loss history, particularly construction-adjacent operations.
Not a Good Fit For
Large commercial accounts above $25M revenue, businesses outside FCCI's Southeast appetite states, technology and life sciences specialty risks (Zurich is stronger), and businesses with significant non-standard exposures.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Commercial property, general liability, workers compensation, commercial auto, commercial umbrella, inland marine, builders risk (commercial), contractor equipment, environmental
- States Available
- GA, FL, NC, SC, AL, and several other Southeast and South-Central states
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Construction contractors and mid-market commercial accounts ($500K to $25M revenue) with clean loss history. FCCI often competes well on contractor liability and workers compensation packages.
Pricing Context
FCCI commercial pricing reflects regional Southeast positioning with construction-segment focus. For Olive Cover commercial customers in the contractor and construction segments, Hanover Commercial, The Hartford Commercial, and Travelers Commercial are the closest comparable options we quote.
Claims Experience
FCCI commercial claims service is regarded as adequate to good for the Southeast contractor segment. Regional adjuster presence with construction-specific claims expertise.
File a Claim
- Phone 800-226-3224
- Hours24/7 phone (FCCI direct)
- Online Claims portal
Admitted Status: Admitted in Georgia for commercial lines.
Compared
How They Compare
Primary Georgia construction-segment competitors are Hanover Commercial, The Hartford Commercial, Travelers Commercial, and CNA. FCCI competes on contractor specialization and Southeast regional knowledge.
Quick Facts