About FCBI and MidSouth
A shared legacy of strength and service.
Founded in Florida in 1977. FCBI built its reputation protecting hardworking people and businesses that help build and sustain Florida. From Citrus growers and construction to retail and beyond, we've stood alongside the people whose work keeps our communities growing and everyday life moving forward. Nearly 50 years later, those roots remain an important part of who we are - and our commitment to protecting businesses and their employees continues.
MidSouth brought decades of experience and a philosophy that aligned with our own: workers' compensation is about more than policies - it's about people, relationships, and trusted partnerships. Combining our strengths and resources provides a simpler, more seamless experience for our agents and policyholders. One team. One point of service. One commitment to you.
Our History
The story of FCBI and MidSouth Insurance Company is one of shared purpose and lasting commitment to businesses and their employees.
FCBI’s roots trace back to 1977, when Florida’s citrus industry formed the Citrus Self-Insurance Fund to secure affordable, reliable workers’ compensation coverage. Through decades of change —economic shifts, natural disasters, and industry challenges—the Fund grew stronger, evolving into the Florida Citrus, Business & Industries Fund (FCBI) in 1999. Today, FCBI proudly serves a wide range of industries across Florida, offering financial strength, stability, and trusted service.
MidSouth Mutual Insurance Company originated from the Home Builders of Tennessee Workers' Compensation Self Insurance Trust established in 1995 to protect their workforce. It grew into a licensed regional carrier, expanding into sixteen states and earning a reputation for integrity and dependable coverage.
In August 2024, FCBI acquired MidSouth Mutual Insurance Company as a wholly owned subsidiary and joined forces, uniting two proven organizations under a shared vision —to provide exceptional service, promote workplace safety, and help employers confidently manage the cost of workers’ compensation. After acquiring MidSouth Mutual Insurance Company the carrier was demutualized and renamed MidSouth Insurance Company.
Together, FCBI and MidSouth continue to build on a legacy of - resilience, partnership, and trust—protecting those who build and sustain our communities.