Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, Asia, and Latin America. The company provides claims management services to insurance carriers and self-insured entities risk, including property, public liability, automobile liability, and marine insurances; claims management and adjusting services to insurance carriers and self-insured …
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Competitive advantage assessment
Key strengths
Stable Underwriting Performance Through CyclesUnderwriting stability score is 0.85, demonstrating consistent risk selection and reserving discipline through market cycles.
Strong Return on EquityROE signal is strong (score 0.80), with ROE at 11.9% — indicating efficient capital deployment.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Crawford & Company ranks #9 of 21
scored companies in Insurance Brokers by moat score — the top 43%.
The widest moat in the group is Brown & Brown, Inc. (BRO)
at 82/100.
Moat scores for companies ranked near CRD-A in Insurance Brokers
How CRD-A scores on the Insurance & Reinsurance defenses
Underwriting Discipline
Score 68
· 25% of the moat score
Underwriting discipline is the core insurance moat, and it consists mostly of the willingness to lose business.
Float Investment Quality
Score 62
· 20% of the moat score
Float is the money an insurer holds between collecting premiums and paying claims — capital it invests but does not own.
Pricing Power
Score 48
· 18% of the moat score
For an insurer, pricing power is the ability to push rate ahead of claims inflation and keep the policyholders anyway.
Capital Strength & Solvency
Score 69
· 17% of the moat score
Capital is what lets an insurer credibly promise to pay a claim that has not happened yet, and it is scrutinised by regulators and rating agencies alike.
Operational Efficiency
Score 55
· 12% of the moat score
The expense ratio — what it costs to acquire and administer a policy — is the half of the combined ratio management fully controls.
Scale & Diversification
Score 64
· 8% of the moat score
Diversification is a real economic advantage in insurance rather than a portfolio preference: risks spread across perils, geographies and lines are less likely to arrive at once, so the same capital supports more premium.
Crawford & Company (CRD-A) scores 62 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #9 of 21 scored companies in Insurance Brokers, the top 43%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 20 companies in Insurance Brokers. Its strongest defense is Capital Strength & Solvency (69/100) and its weakest is Pricing Power (48/100).
How does Crawford & Company compare with other Insurance Brokers companies?
Crawford & Company ranks #9 of 21 scored companies in Insurance Brokers by moat score. The widest moat in Insurance Brokers is Brown & Brown, Inc. (BRO) at 82/100. The companies ranked closest are Willis Towers Watson Public Lim (WTW) at 66 just above it and Crawford & Company (CRD-B) at 62 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Insurance & Reinsurance in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 20 companies in Insurance Brokers. The defenses are then weighted to produce the overall score out of 100.
Why is Crawford & Company scored with the Insurance & Reinsurance template?
An insurer is paid before it knows what its product cost, and invests the money in the meantime. Profit therefore comes from two sources that must both work: pricing risk better than rivals, and earning a return on the float those premiums create. The Insurance template scores that pair, along with the capital that lets a company survive the year in which the losses arrive together.
Which competitive defenses are measured for Crawford & Company?
The Insurance & Reinsurance template measures 6 defenses, and CRD-A scores: Underwriting Discipline (68), Float Investment Quality (62), Pricing Power (48), Capital Strength & Solvency (69), Operational Efficiency (55), Scale & Diversification (64). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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