Crawford mpany : Earnings DocumentSolving claims challenges through innovation and expertise

Message from the CEO & President

To our shareholders:

2021 was a landmark year for Crawford & Company. We celebrated our 80th anniversary and achieved record revenue growth.1 We are incredibly proud

of our employees' hard work and dedication in a challenging environment. Our impressive top-line growth underscores the strength of our technology and people-focusedgo-to-market strategy.

We honored our history with a week-long, global 80th anniversary celebration that included activities that were both festive and educational in nature. We were humbled by the many employees of all tenures, geographies and areas of the business as they shared what being part of the Crawford family meant to them.

We achieved our highest revenue ever for a quarter and a full year in Crawford's history.1 The year ended with revenue of $1.1 billion representing 12% growth over 2020 and 10% over 2019. Our growth spanned service lines as we deepened relationships with our top-five carrier clients, expanded our bench of experts, gained market share in our core operations and scaled our offerings in Platform Solutions. Another contributor to this success was our focus on M&A, as we welcomed edjuster Inc., Praxis Consulting and BosBoon Expertise Group B.V. to the Crawford family. These investments strengthened our service offerings and global footprint while supporting our three strategic pillars: quality that sets the industry benchmark, expertise that is deep and eminent and digital that simplifies. We supported our employees with additional

resources and opportunities to connect with one another. In the UK, we established Wellbeing Week, which brought employees together in support

of their mental health. In the U.S., we expanded our Diversity Equity & Inclusion (DEI) initiatives, launching our PRIDE employee resource group (ERG) to support our LGBTQ+ colleagues. PRIDE joins our two established ERGs: RISE for multi- ethnic employees, and ZEAL, for female colleagues. Acknowledging that DEI issues take many forms across cultures and geographies, we launched the Global Diversity Council to ensure that employees receive the right support wherever they are. We were also pleased to announce the election of Michelle Jarrard to non-executive board chair; she is the first female to chair Crawford's Board and builds on the legacy of Virginia Crawford, the company's first female director. And in 2022, we will release our first Global Citizenship Report that further details our efforts to give back to our communities and be responsible stewards of our world.

In 2021, we began building the foundation of a new Crawford culture, which is empowering, inclusive and oriented to a growth mindset. This will define a Crawford way of doing business and create a coveted Crawford experience for our employees and customers. We believe this will be a significant differentiator for us and will underpin our strategic execution. In support of this cultural shift, we implemented training for managers across the globe and received positive feedback from our employees.