Crawford’s leading market position in an evolving landscape provides a compelling investment narrative.

Attractive business model

Crawford has a compelling narrative anchored by an attractive business model. This is illustrated through our competitive market position, global product and geographic diversification, recurring fee for service revenue model, strong cash flow generation, technology-enabled BPO platform, blue-chip global client base, solid balance sheet and low debt profile and healthy dividend yield.

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Experienced leadership team

With over 30 years of experience, Crawford’s strong and seasoned leadership team leverages its knowledge and experience to drive our business.

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Industry is undergoing rapid change

The rapidly changing claims administration industry is looking to invest in technology and diversify business lines to improve profitability. Claims severity and complexity are increasing, and carriers and corporates are increasingly moving to outsource the claims process to cut costs. Meanwhile, technological advancements are providing a new wave of opportunities to offer a differentiated value proposition. Our global footprint and empowered teams give us the reach and agility to meet these changing needs of the industry.

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Investing to drive innovation and accelerate growth

At Crawford, we are not just embracing change, we are leading it. We are thinking beyond the traditional and bringing together innovative solutions to meet our customers' needs today while anticipating the needs of tomorrow. Every day, new technologies and innovations emerge with the potential to improve our industry, our clients’ businesses and the lives of customers and policyholders everywhere.

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Financial strength and flexibility

Our long, stable history and financial strength make us the most credible and reliable claims management company in the insurance industry. Our leadership team remains focused on strengthening the Company’s cash generation, while delivering value to shareholders through a disciplined capital allocation strategy. We remain confident in our strong market position and long-term strategy supported by Crawford's financial strength and flexibility.

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Committed to environmental, social and governance initiatives

We believe how we do business is just as important as any measurement of financial growth. Crawford is committed to giving back to the communities we serve and responsibly stewarding our resources, while promoting an environment where our employees are empowered to grow, emboldened to act and inspired to innovate through internal programs and initiatives.

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Cautionary Statement on Forward-Looking Statements

This web page contains forward-looking statements within the meaning of that term in the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, and Section 21E of the Securities Exchange Act of 1934. Statements contained in this report that are not statements of historical fact are forward-looking statements made pursuant to the "safe harbor" provisions thereof. These statements may relate to, among other things, our expected future operating results and financial condition, including the impact of COVID-19, our ability to grow our revenues and reduce our operating expenses, expectations regarding our anticipated contributions to our underfunded defined benefit pension plans, collectability of our billed and unbilled accounts receivable, financial results from our recently completed acquisitions, our continued compliance with the financial and other covenants contained in our financing agreements, and our other long-term capital resource and liquidity requirements. These statements may also relate to our business strategies, goals and expectations concerning our market position, future operations, margins, case and project volumes, profitability, contingencies, liquidity position, and capital resources. The words "anticipate", "believe", "could", "would", "should", "estimate", "expect", "intend", "may", "plan", "goal", "strategy", "predict", "project", "will" and similar terms and phrases, or the negatives thereof, identify forward-looking statements contained in this report.

Although we believe the assumptions upon which these forward-looking statements are based are reasonable, any of these assumptions could prove to be inaccurate and the forward-looking statements based on these assumptions could be incorrect. Our operations and the forward-looking statements related to our operations involve risks and uncertainties, many of which are outside our control, and any one of which, or a combination of which, could materially adversely affect our financial condition and results of operations, and whether the forward-looking statements ultimately prove to be correct. Included among the risks and uncertainties we face are risks related to the following:

  • a decline in cases referred to us for any reason, including changes in the degree to which property and casualty insurance carriers outsource their claims handling functions,
  • changes in global economic conditions,
  • the impact of global pandemics, such as COVID-19, on claim volumes,
  • changes in interest rates,
  • changes in foreign currency exchange rates,
  • changes in regulations and practices of various governmental authorities,
  • changes in our competitive environment,
  • changes in the financial condition of our clients,
  • the loss of any material customer,
  • our ability to successfully integrate the operations of acquired businesses,
  • regulatory changes related to funding of defined benefit pension plans,
  • our U.S., U.K. and other international defined benefit pension plans and our future funding obligations thereunder,
  • our ability to complete any transaction involving the acquisition or disposition of assets on terms and at times acceptable to us,
  • our ability to identify new revenue sources not tied to the insurance underwriting cycle,
  • our ability to develop or acquire information technology resources to support and grow our business,
  • our ability to attract and retain qualified personnel,
  • our ability to renew existing contracts with clients on satisfactory terms,
  • our ability to collect amounts due from our clients and others,
  • continued availability of funding under our financing agreements,
  • general risks associated with doing business outside the U.S., including changes in tax rates,
  • our ability to comply with the covenants in our financing or other agreements,
  • changes in the frequency or severity of man-made or natural disasters,
  • the ability of our third-party service providers, used for certain aspects of our internal business functions, to meet expected service levels,
  • our ability to prevent or detect cybersecurity breaches and cyber incidents,
  • our ability to achieve targeted integration goals with the consolidation and migration of multiple software platforms,
  • risks associated with our having a controlling shareholder, and
  • impairments of goodwill or our other indefinite-lived intangible assets.

As a result, undue reliance should not be placed on any forward-looking statements. Actual results and trends in the future may differ materially from those expressed or implied by the forward-looking statements. Forward-looking statements speak only as of the date they are made and we undertake no obligation to publicly update any of these forward-looking statements in light of new information or future events.

For details of risk factors that could cause Crawford’s results to differ materially, please see the Risk Factors in Item 1A of Crawford’s latest Annual Report on Form 10-K, and other risk factors as may be identified in Crawford’s subsequent Quarterly Reports on Form 10-Q, all of which are accessible under the SEC-Filings tab of our web site.