10-Q

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

____________________________________________________________

Form 10-Q

R QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

for the quarterly period ended June 30, 2016

OR

o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

for the transition period from ____ to ____

Commission file number 1-10356

CRAWFORD & COMPANY

(Exact name of Registrant as specified in its charter)

Georgia	58-0506554
(State or other jurisdiction of	(I.R.S. Employer
incorporation or organization)	Identification No.)
1001 Summit Boulevard
Atlanta, Georgia	30319
(Address of principal executive offices)	(Zip Code)

(404) 300-1000

(Registrant's telephone number, including area code)

____________________________________________________________

Indicate by check mark whether the Registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes þ          Noo

Indicate by check mark whether the Registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Registrant was required to submit and post such files).                        Yes þ          Noo

Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer", "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filero	Accelerated filerþ	Non-accelerated filero	Smaller reporting companyo
		(Do not check if a smaller reporting company)

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yeso          Noþ

The number of shares outstanding of each class of the Registrant's common stock, as of July 29, 2016, was as follows:

Class A Common Stock, $1.00 par value: 30,927,920

Class B Common Stock, $1.00 par value: 24,690,172

CRAWFORD & COMPANY

Quarterly Report on Form 10-Q

Quarter Ended June 30, 2016

Table of Contents

		Page
Part I. Financial Information
Item 1.	Financial Statements:	3
	Condensed Consolidated Statements of Operations (unaudited) for the three months ended June 30, 2016 and 2015	3
	Condensed Consolidated Statements of Operations (unaudited) for the six months ended June 30, 2016 and 2015	4
	Condensed Consolidated Statements of Comprehensive Income (unaudited) for the three months and six months ended June 30, 2016 and 2015	5
	Condensed Consolidated Balance Sheets (unaudited) as of June 30, 2016 and December 31, 2015	6
	Condensed Consolidated Statements of Cash Flows (unaudited) for the six months ended June 30, 2016 and 2015	8
	Condensed Consolidated Statements of Shareholders' Investment (unaudited) as of and for the three months and six months ended June 30, 2016 and 2015	9
	Notes to Condensed Consolidated Financial Statements (unaudited)	10
	Review Report of Independent Registered Public Accounting Firm	22
Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	23
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	38
Item 4.	Controls and Procedures	39
Part II. Other Information
Item 1A.	Risk Factors	40
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	40
Item 6.	Exhibits	40
Signatures		41
Index to Exhibits		42

Part I — Financial Information

Item 1. Financial Statements

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

Unaudited

	Three Months Ended June 30,
(In thousands, except per share amounts)	2016			2015
Revenues:
Revenues before reimbursements	$	282,343		$	304,398
Reimbursements	15,326			20,018
Total Revenues	297,669			324,416
Costs and Expenses:
Costs of services provided, before reimbursements	200,362			232,108
Reimbursements	15,326			20,018
Total costs of services	215,688			252,126
Selling, general, and administrative expenses	61,060			57,221
Corporate interest expense, net of interest income of $151 and $195, respectively	2,523			2,042
Restructuring and special charges	3,526			4,242
Total Costs and Expenses	282,797			315,631
Other Income	405			102
Income Before Income Taxes	15,277			8,887
Provision for Income Taxes	6,116			4,709
Net Income	9,161			4,178
Net Income Attributable to Noncontrolling Interests	(534		)	(124		)
Net Income Attributable to Shareholders of Crawford & Company	$	8,627		$	4,054
Earnings Per Share - Basic:
Class A Common Stock	$	0.16		$	0.08
Class B Common Stock	$	0.14		$	0.06
Earnings Per Share - Diluted:
Class A Common Stock	$	0.16		$	0.08
Class B Common Stock	$	0.14		$	0.06
Weighted-Average Shares Used to Compute Basic Earnings Per Share:
Class A Common Stock	30,725			30,673
Class B Common Stock	24,690			24,690
Weighted-Average Shares Used to Compute Diluted Earnings Per Share:
Class A Common Stock	31,253			31,137
Class B Common Stock	24,690			24,690
Cash Dividends Per Share:
Class A Common Stock	$	0.07		$	0.07
Class B Common Stock	$	0.05		$	0.05

(See accompanying notes to condensed consolidated financial statements)

3

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

Unaudited

	Six Months Ended June 30,
(In thousands, except per share amounts)	2016			2015
Revenues:
Revenues before reimbursements	$	559,577		$	592,175
Reimbursements	29,000			38,857
Total Revenues	588,577			631,032
Costs and Expenses:
Costs of services provided, before reimbursements	401,795			451,431
Reimbursements	29,000			38,857
Total costs of services	430,795			490,288
Selling, general, and administrative expenses	117,857			117,608
Corporate interest expense, net of interest income of $221 and $360, respectively	5,291			3,906
Restructuring and special charges	5,943			5,305
Total Costs and Expenses	559,886			617,107
Other Income	522			484
Income Before Income Taxes	29,213			14,409
Provision for Income Taxes	11,423			6,950
Net Income	17,790			7,459
Net Income Attributable to Noncontrolling Interests	(533		)	(419		)
Net Income Attributable to Shareholders of Crawford & Company	$	17,257		$	7,040
Earnings Per Share - Basic:
Class A Common Stock	$	0.33		$	0.15
Class B Common Stock	$	0.29		$	0.11
Earnings Per Share - Diluted:
Class A Common Stock	$	0.33		$	0.14
Class B Common Stock	$	0.29		$	0.11
Weighted-Average Shares Used to Compute Basic Earnings Per Share:
Class A Common Stock	30,635			30,597
Class B Common Stock	24,690			24,690
Weighted-Average Shares Used to Compute Diluted Earnings Per Share:
Class A Common Stock	31,031			31,079
Class B Common Stock	24,690			24,690
Cash Dividends Per Share:
Class A Common Stock	$	0.14		$	0.14
Class B Common Stock	$	0.10		$	0.10

(See accompanying notes to condensed consolidated financial statements)

4

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

Unaudited

	Three Months Ended June 30,
(In thousands)	2016			2015
Net Income	$	9,161		$	4,178
Other Comprehensive Income
Net foreign currency translation gain (loss), net of tax of $0 and $0, respectively	5,864			(625		)
Amortization of actuarial losses for retirement plans included in net periodic pension cost, net of tax of $1,107 and $995, respectively	2,141			2,036
Other Comprehensive Income	8,005			1,411
Comprehensive Income	17,166			5,589
Comprehensive (income) loss attributable to noncontrolling interests	(65		)	182
Comprehensive Income Attributable to Shareholders of Crawford & Company	$	17,101		$	5,771

	Six Months Ended June 30,
(In thousands)	2016		2015
Net Income	$	17,790	$	7,459
Other Comprehensive Income (Loss):
Net foreign currency translation gain (loss), net of tax of $0 and $0, respectively	3,447		(11,258		)
Amortization of actuarial losses for retirement plans included in net periodic pension cost, net of tax of $2,213 and $2,071, respectively	4,282		4,801
Other Comprehensive Income (Loss)	7,729		(6,457		)
Comprehensive Income	25,519		1,002
Comprehensive loss attributable to noncontrolling interests	550		310
Comprehensive Income Attributable to Shareholders of Crawford & Company	$	26,069	$	1,312

(See accompanying notes to condensed consolidated financial statements)

5

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED BALANCE SHEETS

Unaudited

				*
(In thousands)	June 30, 2016			December 31, 2015
ASSETS
Current Assets:
Cash and cash equivalents	$	59,365		$	76,066
Accounts receivable, less allowance for doubtful accounts of $14,769 and $13,133, respectively	170,178			164,596
Unbilled revenues, at estimated billable amounts	113,027			98,659
Income taxes receivable	4,255			4,255
Prepaid expenses and other current assets	32,031			26,601
Total Current Assets	378,856			370,177
Property and Equipment:
Property and equipment	134,390			140,383
Less accumulated depreciation	(102,077		)	(102,331		)
Net Property and Equipment	32,313			38,052
Other Assets:
Goodwill	94,681			95,616
Intangible assets arising from business acquisitions, net	97,666			104,861
Capitalized software costs, net	80,913			79,996
Deferred income tax assets	45,728			47,371
Other noncurrent assets	51,702			47,333
Total Other Assets	370,690			375,177
TOTAL ASSETS	$	781,859		$	783,406

*    Derived from the audited Consolidated Balance Sheet

(See accompanying notes to condensed consolidated financial statements)

6

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED BALANCE SHEETS — CONTINUED

Unaudited

				*
(In thousands, except par value amounts)	June 30, 2016			December 31, 2015
LIABILITIES AND SHAREHOLDERS' INVESTMENT
Current Liabilities:
Short-term borrowings	$	19,371		$	19,958
Accounts payable	44,993			44,615
Accrued compensation and related costs	68,151			68,843
Self-insured risks	14,244			14,122
Income taxes payable	6,441			4,419
Deferred rent	13,229			13,303
Other accrued liabilities	44,649			44,577
Deferred revenues	43,136			46,552
Current installments of long-term debt and capital leases	1,757			1,959
Total Current Liabilities	255,971			258,348
Noncurrent Liabilities:
Long-term debt and capital leases, less current installments	216,944			225,365
Deferred revenues	25,936			26,592
Self-insured risks	9,897			9,354
Accrued pension liabilities	114,510			121,732
Other noncurrent liabilities	17,100			17,664
Total Noncurrent Liabilities	384,387			400,707
Shareholders' Investment:
Class A common stock, $1.00 par value; 50,000 shares authorized; 30,801 and 30,537 shares issued and outstanding at June 30, 2016 and December 31, 2015, respectively	30,801			30,537
Class B common stock, $1.00 par value; 50,000 shares authorized; 24,690 shares issued and outstanding	24,690			24,690
Additional paid-in capital	45,153			41,936
Retained earnings	249,656			239,161
Accumulated other comprehensive loss	(213,819		)	(222,631		)
Shareholders' Investment Attributable to Shareholders of Crawford & Company	136,481			113,693
Noncontrolling interests	5,020			10,658
Total Shareholders' Investment	141,501			124,351
TOTAL LIABILITIES AND SHAREHOLDERS' INVESTMENT	$	781,859		$	783,406

*    Derived from the audited Consolidated Balance Sheet

(See accompanying notes to condensed consolidated financial statements)

7

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

Unaudited

	Six Months Ended June 30,
(In thousands)	2016			2015
Cash Flows From Operating Activities:
Net income	$	17,790		$	7,459
Reconciliation of net income to net cash provided by operating activities:
Depreciation and amortization	20,558			21,407
Stock-based compensation	1,957			1,280
(Gain) loss on disposals of property and equipment, net	(8		)	33
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Accounts receivable, net	(7,437		)	13,338
Unbilled revenues, net	(13,306		)	(11,507		)
Accrued or prepaid income taxes	3,224			2,371
Accounts payable and accrued liabilities	1,949			(16,777		)
Deferred revenues	(4,084		)	(308		)
Accrued retirement costs	(5,247		)	(12,794		)
Prepaid expenses and other operating activities	(3,937		)	5,718
Net cash provided by operating activities	11,459			10,220
Cash Flows From Investing Activities:
Acquisitions of property and equipment	(4,588		)	(5,333		)
Capitalization of computer software costs	(8,749		)	(10,871		)
Payments for business acquisitions, net of cash acquired	(3,672		)	(66,077		)
Other investing activities	(95		)	—
Net cash used in investing activities	(17,104		)	(82,281		)
Cash Flows From Financing Activities:
Cash dividends paid	(6,762		)	(6,757		)
Payments related to shares received for withholding taxes under stock-based compensation plans	(4		)	(2		)
Proceeds from shares purchased under employee stock-based compensation plans	449			444
Decrease in note payable for stock repurchase	(2,206		)	—
Repurchases of common stock	—			(137		)
Increases in short-term and revolving credit facility borrowings	51,471			117,672
Payments on short-term and revolving credit facility borrowings	(52,825		)	(24,951		)
Payments on capital lease obligations	(935		)	(1,072		)
Dividends paid to noncontrolling interests	(210		)	—
Other financing activities	(12		)	(2		)
Net cash (used in) provided by financing activities	(11,034		)	85,195
Effects of exchange rate changes on cash and cash equivalents	(22		)	(3,136		)
(Decrease) increase in cash and cash equivalents	(16,701		)	9,998
Cash and cash equivalents at beginning of year	76,066			52,456
Cash and cash equivalents at end of period	$	59,365		$	62,454

(See accompanying notes to condensed consolidated financial statements)

8

CRAWFORD & COMPANY

CONDENSED CONSOLIDATED STATEMENTS OF SHAREHOLDERS' INVESTMENT

Unaudited

(In thousands)

	Common Stock									Accumulated			Shareholders' Investment Attributable to
2016	Class A Non-Voting		Class B Voting		Additional Paid-In Capital		Retained Earnings			Other Comprehensive Loss			Shareholders of Crawford & Company			Noncontrolling Interests			Total Shareholders' Investment
Balance at January 1, 2016	$	30,537	$	24,690	$	41,936	$	239,161		$	(222,631	)	$	113,693		$	10,658		$	124,351
Net income (loss)	—		—		—		8,630			—			8,630			(1		)	8,629
Other comprehensive income (loss)	—		—		—		—			338			338			(614		)	(276		)
Cash dividends paid	—		—		—		(3,373		)	—			(3,373		)	—			(3,373		)
Stock-based compensation	—		—		729		—			—			729			—			729
Common stock activity, net	14		—		—		—			—			14			—			14
Acquisition of noncontrolling interests	—		—		1,079		—			—			1,079			(4,879		)	(3,800		)
Dividends paid to noncontrolling interests	—		—		—		—			—			—			(186		)	(186		)
Balance at March 31, 2016	30,551		24,690		43,744		244,418			(222,293		)	121,110			4,978			126,088
Net income	—		—		—		8,627			—			8,627			534			9,161
Other comprehensive income (loss)	—		—		—		—			8,474			8,474			(469		)	8,005
Cash dividends paid	—		—		—		(3,389		)	—			(3,389		)	—			(3,389		)
Stock-based compensation	—		—		1,228		—			—			1,228			—			1,228
Common stock activity, net	250		—		181		—			—			431			—			431
Dividends paid to noncontrolling interests	—		—		—		—			—			—			(23		)	(23		)
Balance at June 30, 2016	$	30,801	$	24,690	$	45,153	$	249,656		$	(213,819	)	$	136,481		$	5,020		$	141,501

	Common Stock										Accumulated			Shareholders' Investment Attributable to
2015	Class A Non-Voting		Class B Voting		Additional Paid-In Capital			Retained Earnings			Other Comprehensive Loss			Shareholders of Crawford & Company			Noncontrolling Interests			Total Shareholders' Investment
Balance at January 1, 2015	$	30,497	$	24,690	$	38,617		$	301,091		$	(221,958	)	$	172,937		$	6,416		$	179,353
Net income	—		—		—			2,986			—			2,986			295			3,281
Other comprehensive loss	—		—		—			—			(7,445		)	(7,445		)	(423		)	(7,868		)
Cash dividends paid	—		—		—			(3,373		)	—			(3,373		)	—			(3,373		)
Stock-based compensation	—		—		404			—			—			404			—			404
Common stock activity, net	36		—		(44		)	(120		)	—			(128		)	—			(128		)
Increase in value of noncontrolling interest due to acquisition	—		—		—			—			—			—			5,926			5,926
Balance at March 31, 2015	30,533		24,690		38,977			300,584			(229,403		)	165,381			12,214			177,595
Net income	—		—		—			4,054			—			4,054			124			4,178
Other comprehensive income (loss)	—		—		—			—			1,717			1,717			(306		)	1,411
Cash dividends paid	—		—		—			(3,384		)	—			(3,384		)	—			(3,384		)
Stock-based compensation	—		—		876			—			—			876			—			876
Common stock activity, net	173		—		260			—			—			433			—			433
Balance at June 30, 2015	$	30,706	$	24,690	$	40,113		$	301,254		$	(227,686	)	$	169,077		$	12,032		$	181,109

(See accompanying notes to condensed consolidated financial statements)

9

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

Based in Atlanta, Georgia, Crawford & Company ("Crawford" or "the Company") is one of the world's largest independent providers of claims management solutions to the risk management and insurance industry, as well as to self-insured entities, with an expansive global network serving clients in more than 70 countries. The Crawford Solution^SMoffers comprehensive, integrated claims services, business process outsourcing and consulting services for major product lines including property and casualty claims management; workers' compensation claims and medical management; and legal settlement administration.

Shares of the Company's two classes of common stock are traded on the New York Stock Exchange ("NYSE") under the symbols CRDA and CRDB, respectively. The Company's two classes of stock are substantially identical, except with respect to voting rights and the Company's ability to pay greater cash dividends on the non-voting Class A Common Stock than on the voting Class B Common Stock, subject to certain limitations. In addition, with respect to mergers or similar transactions, holders of Class A Common Stock must receive the same type and amount of consideration as holders of Class B Common Stock, unless different consideration is approved by the holders of 75% of the Class A Common Stock, voting as a class. The Company's website is www.crawfordandcompany.com. The information contained on, or hyperlinked from, the Company's website is not a part of, and is not incorporated by reference into, this report.

1. Basis of Presentation

The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X promulgated by the United States Securities and Exchange Commission (the "SEC"). Accordingly, these unaudited condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. Operating results for the three months and six months ended, and the Company's financial position as of, June 30, 2016 are not necessarily indicative of the results or financial position that may be expected for the year ending December 31, 2016 or for other future periods. The financial results from the Company's operations outside of the U.S., Canada, the Caribbean, and certain subsidiaries in the Philippines, are reported and consolidated on a two-month delayed basis (fiscal year-end of October 31) as permitted by GAAP in order to provide sufficient time for accumulation of their results.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. In the opinion of management, all adjustments (consisting only of normal recurring accruals and adjustments) considered necessary for a fair presentation have been included. There have been no material changes to our significant accounting policies and estimates from those disclosed in the Company's Annual Report on Form 10-K for the year ended December 31, 2015.

Certain prior period amounts among the segments have been reclassified to conform to the current presentation. These reclassifications had no effect on the Company's reported consolidated results. Significant intercompany transactions have been eliminated in consolidation.

The Condensed Consolidated Balance Sheet information presented herein as of December 31, 2015 has been derived from the audited consolidated financial statements as of that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2015.

The Company consolidates the liabilities of its deferred compensation plan and the related assets, which are held in a rabbi trust and considered a variable interest entity ("VIE") of the Company. The rabbi trust was created to fund the liabilities of the Company's deferred compensation plan. The Company is considered the primary beneficiary of the rabbi trust because the Company directs the activities of the trust and can use the assets of the trust to satisfy the liabilities of the Company's deferred compensation plan. At June 30, 2016 and December 31, 2015, the liabilities of the deferred compensation plan were $9,460,000 and $9,861,000, respectively, which represented obligations of the Company rather than of the rabbi trust, and the values of the assets held in the related rabbi trust were $16,061,000 and $15,881,000, respectively. These liabilities and assets are included in "Other noncurrent liabilities" and "Other noncurrent assets," respectively, on the Company's unaudited Condensed Consolidated Balance Sheets.

10

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

The Company owns 51% of the capital stock of Lloyd Warwick International Limited ("LWI"). The Company has also agreed to provide financial support to LWI of up to approximately $10,000,000. Because of this controlling financial interest, and because Crawford has the obligation to absorb certain of LWI's losses through the additional financial support that LWI may require, LWI is considered a VIE of the Company. LWI also does not meet the business scope exception, as Crawford provides more than half of its financial support, and because LWI lacks sufficient equity at risk to permit it to carry on its activities without this additional financial support. Creditors of LWI have no recourse to Crawford's general credit. Accordingly, Crawford is considered the primary beneficiary and consolidates LWI. Total assets and liabilities of LWI as of June 30, 2016 were $9,411,000 and $11,711,000, respectively. Total assets and liabilities of LWI as of December 31, 2015 were $8,831,000 and $11,841,000, respectively. Included in LWI's total liabilities is a loan from Crawford of $10,089,000 and $10,214,000 as of June 30, 2016 and December 31, 2015 respectively.

2. Business Acquisitions

On December 1, 2014, the Company acquired 100% of the capital stock of GAB Robins Holdings UK Limited ("GAB Robins"), a U.K. based international loss adjusting and claims management provider, for cash consideration of $71,812,000. During 2015, the Company paid an additional $2,182,000 related to net debt and net working capital adjustments under the terms of the acquisition agreement, which increased the purchase price to $73,994,000. The purchase was accounted for under the guidance of Accounting Standards Codification ("ASC") 805-10 as a business combination under the acquisition method. The purchase price included $6,329,000 placed in escrow for up to two years related to certain acquired contingencies per the terms of the acquisition agreement. As of June 30, 2016, $1,600,000 of the escrowed amount has been released. The acquisition was funded primarily through borrowings in the U.K. under the Company's credit facility.

Intangible assets acquired include customer relationships, trademarks, internally developed software and non-compete agreements. The intangibles acquired are made up largely of customer relationships of $38,210,000 being amortized over an estimated life of 14 years, and the remaining intangible assets are being amortized over periods ranging from two to five years. For the three months and six months ended June 30, 2016, the Company recognized amortization expense of $858,000 and $1,754,000, respectively, in its unaudited condensed consolidated financial statements related to these intangibles. Goodwill is attributable to the synergies of the work force in place and business resources as a result of the combination of the companies. Goodwill attributable to the acquisition will not be deductible for tax purposes.

On December 15, 2015, the Company acquired an additional 36% of the capital stock of GAB Robins Aviation Limited, a U.K.-based international aviation loss adjusting and claims management provider, for $3,672,000, bringing its total ownership interest to 95%. The Company acquired its initial 59% ownership interest in GAB Robins Aviation Limited through its acquisition of GAB Robins and because of its controlling financial interest, the Company consolidates GAB Robins Aviation Limited. The Company accounted for this subsequent acquisition as an equity transaction in accordance with ASC 810-10.

3. Recently Issued Accounting Standards

Improvements to Employee Share-Based Payment Accounting

In March 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-09, "Improvements to Employee Share-Based Payment Accounting." This update was issued as part of a simplification effort for the accounting of share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. The amendment is effective for annual periods beginning after December 15, 2016, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

Simplifying the Transition to the Equity Method of Accounting

In March 2016, the FASB issued ASU 2016-07, "Simplifying the Transition to the Equity Method of Accounting." This update eliminates the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments in this update are effective for all entities for fiscal years, and interim periods beginning after December 15, 2016. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

11

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

Financial Accounting for Leases

In February 2016, the FASB issued ASU 2016-02, "Financial Accounting for Leases." Under this update, a lessee will be required to recognize assets and liabilities for leases with lease terms of more than 12 months. Consistent with current GAAP, the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease. However, unlike current GAAP, which requires only capital leases to be recognized on the balance sheet, this ASU will require both types of leases to be recognized on the balance sheet. The ASU also will require disclosures to help investors and other financial statement users better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the financial statements. The update is effective for annual periods beginning after December 15, 2018, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this update may have on its results of operations, financial condition and cash flows.

Revenue from Contracts with Customers

In May 2014, the FASB issued ASU 2014-09, "Revenue from Contracts with Customers." Under ASU 2014-09, companies will be required to recognize revenue to depict the transfer of control for goods or services to customers in amounts that reflect the consideration (that is, payment) to which the company expects to be entitled in exchange for those goods or services. The new standard also will result in enhanced disclosures about revenue, provide guidance for transactions that were not previously addressed comprehensively (for example, service revenue and contract modifications) and modify guidance for multiple-element arrangements. In August 2015, the FASB issued ASU 2015-14, which deferred by one year the effective date of ASU 2014-09. The one year deferral of the effective date of this standard changed the effective date for the Company to January 1, 2018. Early adoption is permitted, but not before the original effective date. During March 2016 the FASB issued ASU 2016-08, "Principal versus Agent Considerations (Reporting Revenue Gross versus Net)." The amendments in this update clarify the implementation guidance on principal versus agent consideration. ASU 2016-10, "Revenue from Contracts with Customers: Identifying Performance Obligations and Licensing," was issued in April 2016 to clarify the identification of performance obligations and to provide additional implementation guidance related to revenue from licensing arrangements. In May 2016, the FASB issued ASU 2016-12, "Revenue from Contracts with Customers: Narrow-Scope Improvements and Practical Expedients," to clarify the collectibility criteria in the identification of a valid contract with a customer in step one of the revenue recognition process, among other clarifications. All of the above amendments to the guidance were issued with the same effective dates as ASU 2014-09. The Company is currently evaluating its arrangements with customers and revenue streams against the requirements of this standard and the expected effect this update may have on its results of operations, financial condition and cash flows.

Accounting for Fees Paid in a Cloud Computing Arrangement

In April 2015, the FASB issued ASU 2015-05, "Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40), Customer's Accounting for Fees Paid in a Cloud Computing Arrangement." This ASU amended guidance on internal use software to clarify how customers in cloud computing arrangements should determine whether the arrangement includes a software license. The new guidance specifies that these licenses should be accounted for as licenses of intangible assets. The guidance is effective for annual periods, including interim periods within those annual periods beginning after December 15, 2015. The Company adopted this guidance during the quarter ended March 31, 2016, and it did not have any material effect on its results of operations, financial condition and cash flows.

Amendments to the Consolidation Analysis

In February 2015, FASB issued ASU 2015-02, "Consolidation (topic 810): Amendments to the Consolidation Analysis." ASU 2015-02 focuses on the consolidation evaluation for reporting organizations (public and private companies) that are required to evaluate whether they should consolidate certain legal entities. The standard is effective for fiscal years beginning after December 15, 2015, and interim periods within those years. The Company adopted this standard during the quarter ended March 31, 2016 with no impact to its results of operations, financial condition and cash flows.

12

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

4. Derivative Instruments

In February 2011, the Company entered into a U.S. dollar and Canadian dollar ("CAD") cross currency basis swap with an initial notional amount of CAD34,749,000 as an economic hedge to an intercompany note payable to the U.S. parent by a Canadian subsidiary. The cross currency basis swap requires the Canadian subsidiary to deliver quarterly payments of CAD589,000 to the counterparty and entitles the U.S. parent to receive quarterly payments of U.S. $593,000. The Canadian subsidiary also makes interest payments to the counterparty based on 3-month Canada Bankers Acceptances plus a spread, and the U.S. parent receives payments based on U.S. 3-month LIBOR. The cross currency basis swap expires on September 30, 2025. The Company has elected to not designate this swap as a hedge of the intercompany note from the Canadian subsidiary. Accordingly, changes in the fair value of this swap, as well as changes in the value of the intercompany note, are recorded as gains or losses in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations over the term of the swap and are expected to substantially offset one another. The changes in the fair value of the cross currency basis swap will not exactly offset changes in the value of the intercompany note, as the fair value of this swap is determined based on forward rates while the value of the intercompany note is determined based on end of period spot rates. The net gains and losses for the three months and six months ended June 30, 2016 and 2015 were not significant. The Company believes there have been no material changes in the creditworthiness of the counterparty to this cross currency basis swap agreement and believes the risk of nonperformance by such party is minimal.

This swap agreement contains a provision providing that if the Company is in default under its credit facility, the Company may also be deemed to be in default under the swap agreement. If there were such a default, the Company could be required to contemporaneously settle some or all of the obligation under the swap agreement at values determined at the time of default. At June 30, 2016, no such default existed, and the Company had no assets posted as collateral under its swap agreement.

5. Income Taxes

The Company's consolidated effective income tax rate may change periodically due to changes in enacted tax rates, fluctuations in the mix of income earned from the Company's various domestic and international operations, which are subject to income taxes at different rates, the Company's ability to utilize net operating loss and tax credit carryforwards, and amounts related to uncertain income tax positions. At June 30, 2016, the Company estimates that its effective income tax rate for 2016 will be approximately 38% after considering known discrete items. The Company's effective tax rate was lower in the 2016 periods compared with the comparable periods of 2015 primarily due to the permanent extension of the U.S. federal research and development credit, fluctuations in the mix of income earned, changes in enacted tax rates, and lower current year losses in jurisdictions with lower tax rates or in jurisdictions where the losses are unable to be benefited.

6. Defined Benefit Pension Plans

Net periodic benefit cost related to all of the Company's defined benefit pension plans recognized in the Company's unaudited Condensed Consolidated Statements of Operations for the three months and six months ended June 30, 2016 and 2015 included the following components:

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Service cost	$	368		$	671		$	658		$	1,432
Interest cost	8,664			8,045			16,572			16,272
Expected return on assets	(10,938		)	(10,323		)	(20,758		)	(20,824		)
Amortization of actuarial loss	3,541			2,952			6,818			6,264
Net periodic benefit cost	$	1,635		$	1,345		$	3,290		$	3,144

For the six-month period ended June 30, 2016, the Company made contributions of $6,000,000 and $3,072,000 to its U.S. and U.K. defined benefit pension plans, respectively, compared with contributions of $6,000,000 and $3,303,000, respectively, in the comparable periods of 2015. The Company is not required to make any additional contributions to its U.S. or U.K. defined benefit pension plans for the remainder of 2016; however, the Company expects to make additional contributions of approximately $3,000,000 and $3,200,000 to its U.S. and U.K. plans, respectively, during the remainder of 2016.

13

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

7. Net Income Attributable to Shareholders of Crawford & Company per Common Share

The Company computes earnings per share of its non-voting Class A Common Stock ("CRDA") and voting Class B Common Stock ("CRDB") using the two-class method, which allocates the undistributed earnings in each period to each class on a proportionate basis. The Company's Board of Directors has the right, but not the obligation, to declare higher dividends on the CRDA shares than on the CRDB shares, subject to certain limitations. In periods when the dividend is the same for CRDA and CRDB or when no dividends are declared or paid to either class, the two-class method generally will yield the same earnings per share for CRDA and CRDB. During the first two quarters of 2016 and 2015 the Board of Directors declared a higher dividend on CRDA than on CRDB.

The computations of basic net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - basic:
Numerator:
Allocation of undistributed earnings	$	2,904	$	2,334	$	371	$	299	$	5,811	$	4,683	$	156	$	127
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, basic	$	5,059	$	3,568	$	2,520	$	1,534	$	10,105	$	7,152	$	4,444	$	2,596
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Earnings per share - basic	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.15	$	0.11

The computations of diluted net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - diluted:
Numerator:
Allocation of undistributed earnings	$	2,926	$	2,312	$	374	$	296	$	5,844	$	4,650	$	157	$	126
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, diluted	$	5,081	$	3,546	$	2,523	$	1,531	$	10,138	$	7,119	$	4,445	$	2,595
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Weighted-average effect of dilutive securities	528		—		464		—		396		—		482		—
Weighted-average common shares outstanding, diluted	31,253		24,690		31,137		24,690		31,031		24,690		31,079		24,690
Earnings per share - diluted	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.14	$	0.11

14

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

Listed below are the shares excluded from the denominator in the above computation of diluted earnings per share for CRDA because their inclusion would have been antidilutive:

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
Shares underlying stock options excluded due to the options' respective exercise prices being greater than the average stock price during the period	—	15	74	15
Performance stock grants excluded because performance conditions have not been met (1)	1,000	2,094	1,000	2,094

________________________________________________

⁽¹⁾  Compensation cost is recognized for these performance stock grants based on expected achievement rates; however, no consideration is given to these performance stock grants when calculating earnings per share until the performance measurements have been achieved. The performance measurements for approximately 574,000 outstanding performance stock grants as of June 30, 2016 are expected to be achieved by December 31, 2016.

The following table details shares issued during the three months and six months ended June 30, 2016 and June 30, 2015. These shares are included from their dates of issuance in the weighted-average common shares used to compute basic earnings per share for CRDA in the table above. There were no shares of CRDB issued during any of these periods.

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
CRDA issued under non-employee director stock plan	113	7	119	55
CRDA issued under the U.K. ShareSave Scheme	134	96	141	96
CRDA issued under the Executive Stock Bonus Plan	3	70	4	74

The Company's share repurchase authorization, approved in August 2014, provides the Company with the ability to repurchase up to 2,000,000 shares of CRDA or CRDB (or both) through July 2017 (the "2014 Repurchase Authorization"). Under the 2014 Repurchase Authorization, repurchases may be made in open market or privately negotiated transactions at such times and for such prices as management deems appropriate, subject to applicable contractual and regulatory restrictions.

During the three months and six months ended June 30, 2016, the Company did not repurchase any shares. During the three months and six months ended June 30, 2015, the Company repurchased 0 and 17,700 shares of CRDA at an average cost of $0.00 and $7.79 per share. The Company did not repurchase any shares of CRDB during any of these periods.

15

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

8. Accumulated Other Comprehensive Loss

Comprehensive income (loss) for the Company consists of the total of net income, foreign currency translation adjustments, and accrued pension and retiree medical liability adjustments. The changes in components of "Accumulated other comprehensive loss" ("AOCL"), net of taxes and noncontrolling interests, included in the Company's unaudited condensed consolidated financial statements were as follows:

	Three months ended June 30, 2016									Six months ended June 30, 2016
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(26,150	)	$	(196,143	)	$	(222,293	)	$	(24,347	)	$	(198,284	)	$	(222,631	)
Other comprehensive income before reclassifications	6,333			—			6,333			4,530			—			4,530
Amounts reclassified from accumulated other comprehensive income	—			2,141			2,141			—			4,282			4,282
Net current period other comprehensive income	6,333			2,141			8,474			4,530			4,282			8,812
Ending balance	$	(19,817	)	$	(194,002	)	$	(213,819	)	$	(19,817	)	$	(194,002	)	$	(213,819	)

	Three months ended June 30, 2015									Six months ended June 30, 2015
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(14,869	)	$	(214,534	)	$	(229,403	)	(4,659		)	(217,299		)	$	(221,958	)
Other comprehensive loss before reclassifications	(319		)	—			(319		)	(10,529		)	—			(10,529		)
Amounts reclassified from accumulated other comprehensive income	—			2,036			2,036			—			4,801			4,801
Net current period other comprehensive (loss) income	(319		)	2,036			1,717			(10,529		)	4,801			(5,728		)
Ending balance	$	(15,188	)	$	(212,498	)	$	(227,686	)	$	(15,188	)	$	(212,498	)	$	(227,686	)

________________________________________________

⁽¹⁾  Retirement liabilities reclassified to net income are related to the amortization of actuarial losses and are included in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations. See Note 6, "Defined Benefit Pension Plans" for additional details.

The other comprehensive loss amounts attributable to noncontrolling interests shown in the Company's unaudited Condensed Consolidated Statements of Shareholders' Investment are foreign currency translation adjustments.

16

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

9. Fair Value Measurements

The following table presents the Company's assets and liabilities that are measured at fair value on a recurring basis and that are categorized using the fair value hierarchy:

			Fair Value Measurements at June 30, 2016
					Significant Other		Significant
			Quoted Prices in		Observable		Unobservable
			Active Markets		Inputs		Inputs
(in thousands)	Total		(Level 1)		(Level 2)		(Level 3)
Assets:
Money market funds (1)	$	10,032	$	10,032	$	—	$	—
Derivative not designated as hedging instrument:
Cross currency basis swap (2)	4,694		—		4,694		—
Liabilities:
Contingent earnout liability (3)	1,889		—		—		1,889

________________________________________________

⁽¹⁾  The fair values of the money market funds were based on recently quoted market prices and reported transactions in an active marketplace. Money market funds are included in the Company's unaudited Condensed Consolidated Balance Sheets as "Cash and cash equivalents."

⁽²⁾  The fair value of the cross currency basis swap was derived from a discounted cash flow analysis based on the terms of the swap and the forward curves for foreign currency rates and interest rates adjusted for the counterparty's credit risk. The fair value of the cross currency basis swap is included in "Other noncurrent assets" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the cross currency basis swap.

⁽³⁾  The fair value of the contingent earnout liability for the 2014 acquisition of Buckley Scott Holdings Limited ("Buckley Scott") was estimated using an internally-prepared probability-weighted discounted cash flow analysis. The fair value analysis relied upon both Level 2 data (publicly observable data such as market interest rates and capital structures of peer companies) and Level 3 data (internal data such as the Company's operating projections). As such, the liability is a Level 3 fair value measurement. The valuation is sensitive to Level 3 data, with a maximum possible earnout of $1,993,000 at June 30, 2016. As such, the fair value is not expected to vary materially from the balance recorded. The fair value of the contingent earnout liability is included in "Other accrued liabilities" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the contingent earnout agreement. The fair value of the earnout was $1,921,000, with a maximum possible earnout of $2,027,000, at December 31, 2015. The change in the Level 3 fair value at June 30, 2016 was due to foreign currency translation adjustments and imputed interest.

Fair Value Disclosures

There were no transfers of assets between fair value levels during the three months or six months ended June 30, 2016. The categorization of assets and liabilities within the fair value hierarchy and the measurement techniques are reviewed quarterly. Any transfers between levels are deemed to have occurred at the end of the quarter.

The fair values of accounts receivable, unbilled revenues, accounts payable and short-term borrowings approximate their respective carrying values due to the short-term maturities of the instruments. The interest rate on the Company's variable rate long-term debt resets at least every 90 days; therefore, the carrying value approximates fair value. These assets and liabilities are measured within Level 2 of the hierarchy.

17

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

10. Segment Information

Financial information for the three months and six months ended June 30, 2016 and 2015 related to the Company's reportable segments, including a reconciliation from segment operating earnings to income before income taxes, the most directly comparable GAAP financial measure, is presented below.

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Revenues:
U.S. Services	$	58,839		$	66,898		$	117,343		$	123,603
International	123,235			129,483			240,757			253,508
Broadspire	75,099			73,693			151,299			143,365
Garden City Group	25,170			34,324			50,178			71,699
Total segment revenues before reimbursements	282,343			304,398			559,577			592,175
Reimbursements	15,326			20,018			29,000			38,857
Total revenues	$	297,669		$	324,416		$	588,577		$	631,032
Segment Operating Earnings:
U.S. Services	$	9,579		$	9,835		$	18,633		$	13,996
International	10,973			1,167			18,007			3,510
Broadspire	6,529			6,003			15,234			9,546
Garden City Group	2,691			3,721			4,186			8,672
Total segment operating earnings	29,772			20,726			56,060			35,724
Deduct:
Unallocated corporate and shared costs, net	(5,889		)	(3,043		)	(10,507		)	(7,345		)
Net corporate interest expense	(2,523		)	(2,042		)	(5,291		)	(3,906		)
Stock option expense	(137		)	(178		)	(227		)	(327		)
Amortization of customer-relationship intangible assets	(2,420		)	(2,334		)	(4,879		)	(4,432		)
Restructuring and special charges	(3,526		)	(4,242		)	(5,943		)	(5,305		)
Income before income taxes	$	15,277		$	8,887		$	29,213		$	14,409

Intersegment transactions are not material for any period presented.

Operating earnings is the primary financial performance measure used by the Company's senior management and chief operating decision maker ("CODM") to evaluate the financial performance of the Company's four operating segments and make resource allocation decisions. The Company believes this measure is useful to others in that it allows them to evaluate segment operating performance using the same criteria used by the Company's senior management and CODM. Operating earnings will differ from net income computed in accordance with GAAP since operating earnings represent segment earnings before certain unallocated corporate and shared costs, net corporate interest expense, stock option expense, amortization of customer-relationship intangible assets, restructuring and special charges, income taxes, and net income or loss attributable to noncontrolling interests.

Segment operating earnings includes allocations of certain corporate and shared costs. If the Company changes its allocation methods or changes the types of costs that are allocated to its fouroperating segments, prior period amounts presented in the current period financial statements are adjusted to conform to the current allocation process.

18

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

Revenues before reimbursements by major service line in the U.S. Services segment and the Broadspire segment are shown in the following table. It is not practicable to provide revenues by service line for the International segment. The Company considers all Garden City Group revenues to be derived from one service line.

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
U.S. Services
U.S. Claims Field Operations	$	20,145	$	21,845	$	40,609	$	43,696
U.S. Technical Services	7,204		7,431		13,930		14,086
U.S. Catastrophe Services	11,423		21,491		25,955		36,969
Subtotal U.S. Claims Services	38,772		50,767		80,494		94,751
U.S. Contractor Connection	20,067		16,131		36,849		28,852
Total Revenues before Reimbursements--U.S. Services	$	58,839	$	66,898	$	117,343	$	123,603
Broadspire
Workers' Compensation, Disability and Liability Claims Management	$	31,670	$	30,352	$	63,882	$	59,537
Medical Management Services	39,923		39,678		80,284		76,318
Risk Management Information Services	3,506		3,663		7,133		7,510
Total Revenues before Reimbursements--Broadspire	$	75,099	$	73,693	$	151,299	$	143,365

11. Commitments and Contingencies

As part of the Company's credit facility, the Company maintains a letter of credit facility to satisfy certain of its own contractual requirements. At June 30, 2016, the aggregate committed amount of letters of credit outstanding under the credit facility was $17,103,000.

In the normal course of its business, the Company is sometimes named as a defendant or responsible party in suits or other actions by insureds or claimants contesting decisions made by the Company or its clients with respect to the settlement of claims. Additionally, certain clients of the Company have in the past brought, and may, in the future bring, claims for indemnification on the basis of alleged actions by the Company, its agents, or its employees in rendering services to clients. The majority of these claims are of the type covered by insurance maintained by the Company. However, the Company is responsible for the deductibles and self-insured retentions under various insurance coverages. In the opinion of Company management, adequate provisions have been made for such known and foreseeable risks.

The Company is subject to numerous federal, state, and foreign labor, employment, worker health and safety, antitrust and competition, environmental and consumer protection, import/export, anti-corruption, and other laws, and from time to time the Company faces claims and investigations by employees, former employees, and governmental entities under such laws. Such claims, investigations, and any litigation involving the Company could divert management's time and attention from the Company's business operations and could potentially result in substantial costs of defense, settlement or other disposition, which could have a material adverse effect on the Company's results of operations, financial position, and cash flows. In the opinion of Company management, adequate provisions have been made for any items that are probable and reasonably estimable.

The agreement relating to the 2014 acquisition of Buckley Scott contains an earnout provision based on Buckley Scott achieving certain financial results during the two-year period following the completion of the acquisition, with a current estimated fair value of $1,889,000. The maximum potential earnout is $1,993,000.

19

NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

The Company has voluntarily self-reported to the Securities and Exchange Commission (the "SEC") and the Department of Justice (the "DOJ") certain potential violations of the Foreign Corrupt Practices Act discovered by the Company during the course of its regular internal audit process. Upon discovery, the Company, with the oversight of the Audit Committee and the Board of Directors, proactively initiated an investigation into this matter with the assistance of external legal counsel and external forensic accountants. The Company has been cooperating fully, and expects to continue to cooperate fully, with the SEC and the DOJ in this matter. The Company cannot currently predict when or what, if any, action may be taken by the SEC or the DOJ, or other governmental authorities, or the effect any such actions may have on the Company's results of operations, cash flows or financial position.

12. Restructuring and Special Charges

Restructuring Charges

Restructuring charges for the three months and six months ended June 30, 2016 of $3,026,000 and $5,170,000 were incurred related to the establishment and phase in of the Company's Global Business Services Center in Manila, Philippines and Global Technology Services Center in Pune, India (the "Centers"), integration costs related to the GAB Robins acquisition and other restructuring activities in the International segment, and asset impairments and lease termination costs.

The following table shows the costs incurred by type of restructuring activity:

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
Implementation and phase-in of the Centers	$	1,973	$	1,196	$	2,402	$	2,259
Asset impairments and lease termination costs	337		—		1,165		—
Integration costs related to the GAB Robins acquisition and International segment restructuring	716		1,938		1,603		1,938
Restructuring activities for U.S. Services segment	—		1,108		—		1,108
Total restructuring charges	$	3,026	$	4,242	$	5,170	$	5,305

Costs associated with the Centers were primarily for professional fees and severance costs. Integration costs related to the GAB Robins acquisition and International segment restructuring were predominantly made up of severance and professional fees and other costs.

As of June 30, 2016, the following liabilities remained on the Company's unaudited Condensed Consolidated Balance Sheets related to restructuring charges recorded in 2012, 2015, and 2016. The rollforward of these costs to June 30, 2016 were as follows:

	Three months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, March 31, 2016	$	3,355		$	2,256		$	405		$	3,209		$	9,225
Additions	396			1,757			933			(60		)	3,026
Adjustments to accruals	(326		)	—			—			—			(326		)
Cash payments	(44		)	(447		)	(533		)	—			(1,024		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

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NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Unaudited

	Six months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, January 1, 2016	$	3,571		$	7,006		$	1,066		$	3,257		$	14,900
Additions	1,271			2,369			1,638			(108		)	5,170
Adjustments to accruals	(542		)	—			—			—			(542		)
Cash payments	(919		)	(5,809		)	(1,899		)	—			(8,627		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

Special Charges

The Company recorded special charges for the three months and six months ended June 30, 2016 of $500,000 and $773,000. The special charges consisted of legal and professional fees related to the ongoing investigation as disclosed in Note 11 "Commitments and Contingencies" and other professional fees. At June 30, 2016, $56,000 remained on the Company's Condensed Consolidated Balance Sheets in "Other accrued liabilities." There were no similar special charges recorded in the comparable 2015 periods.

Total restructuring and special charges for the three months ended June 30, 2016 and 2015 were $3,526,000 and $4,242,000 respectively. Total restructuring and special charges for the six months ended June 30, 2016 and 2015 were $5,943,000 and $5,305,000, respectively.

21

REVIEW REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Shareholders and Board of Directors of

Crawford & Company

We have reviewed the condensed consolidated balance sheet of Crawford & Company as of June 30, 2016, and the related condensed consolidated statements of operations, comprehensive income, and shareholders' investment for the three-month and six-month periods ended June 30, 2016 and 2015, and the condensed consolidated statements of cash flows for the six-month periods ended June 30, 2016 and 2015. These financial statements are the responsibility of the Company's management.

We conducted our review in accordance with the standards of the Public Company Accounting Oversight Board (United States). A review of interim financial information consists principally of applying analytical procedures and making inquiries of persons responsible for financial and accounting matters. It is substantially less in scope than an audit conducted in accordance with the standards of the Public Company Accounting Oversight Board (United States), the objective of which is the expression of an opinion regarding the financial statements taken as a whole. Accordingly, we do not express such an opinion.

Based on our review, we are not aware of any material modifications that should be made to the condensed consolidated financial statements referred to above for them to be in conformity with U.S. generally accepted accounting principles.

We have previously audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated balance sheet of Crawford & Company as of December 31, 2015, and the related consolidated statements of operations, comprehensive (loss) income, cash flows, and shareholders' investment for the year then ended (not presented herein) and we expressed an unqualified audit opinion on those consolidated financial statements in our report dated March 10, 2016. In our opinion, the accompanying condensed consolidated balance sheet of Crawford & Company as of December 31, 2015, is fairly stated, in all material respects, in relation to the consolidated balance sheet from which it has been derived.

/s/ Ernst & Young LLP

Atlanta, Georgia

August 8, 2016

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Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

Cautionary Statement Concerning Forward-Looking Statements

This report 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, expectations regarding the performance of our various operating segments, anticipated contributions to our underfunded defined benefit pension plans, collectability of our billed and unbilled accounts receivable, our continued compliance with the financial and other covenants contained in our financing agreements, our expected future operating results and financial condition, and other long-term 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,

• the project-based nature of our Garden City Group segment, including associated fluctuations in revenue,

• changes in global economic conditions,

• 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,

• our ability to achieve projected levels of efficiencies and cost savings from our Global Business Services Center in Manila, Philippines or our Global Technology Services Center in Pune, India (the "Centers"),

• regulatory changes related to funding of defined benefit pension plans,

• our underfunded U.S. and U.K. 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.,

• our ability to comply with the covenants in our financing or other agreements,

• changes in market conditions or legislation (including judicial interpretation thereof) relating to class actions, which may make it more difficult for plaintiffs to bring such actions,

• 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 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.

23

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.

The following Management's Discussion and Analysis of Financial Condition and Results of Operations ("MD&A") should be read in conjunction with 1) our unaudited condensed consolidated financial statements and accompanying notes thereto for the three months and six months ended June 30, 2016 and 2015 and as of June 30, 2016 and December 31, 2015 contained in Item 1 of this Quarterly Report on Form 10-Q, and 2) our Annual Report on Form 10-K for the year ended December 31, 2015. As described in Note 1, "Basis of Presentation," the financial results of our operations outside of the U.S., Canada, the Caribbean, and certain subsidiaries in the Philippines, are included in our consolidated financial statements on a two-month delayed basis (fiscal year-end of October 31) as permitted by U.S. generally accepted accounting principles ("GAAP") in order to provide sufficient time for accumulation of their results.

Business Overview

Based in Atlanta, Georgia, Crawford & Company (www.crawfordandcompany.com) is one of the world's largest independent providers of claims management solutions to the risk management and insurance industry, as well as to self-insured entities, with an expansive global network serving clients in more than 70 countries. The Crawford Solution^SM offers comprehensive, integrated claims services, business process outsourcing and consulting services for major product lines including property and casualty claims management, workers' compensation claims and medical management, and legal settlement administration.

Shares of the Company's two classes of common stock are traded on the New York Stock Exchange under the symbols CRDA and CRDB, respectively. The Company's two classes of stock are substantially identical, except with respect to voting rights and the Company's ability to pay greater cash dividends on the non-voting Class A Common Stock than on the voting Class B Common Stock, subject to certain limitations. In addition, with respect to mergers or similar transactions, holders of Class A Common Stock must receive the same type and amount of consideration as holders of Class B Common Stock, unless different consideration is approved by the holders of 75% of the Class A Common Stock, voting as a class.

As discussed in more detail in subsequent sections of this MD&A, we have four operating segments: U.S. Services; International; Broadspire; and Garden City Group. Our four operating segments represent components of our Company for which separate financial information is available, and which is evaluated regularly by our chief operating decision maker ("CODM") in deciding how to allocate resources and in assessing operating performance. U.S. Services primarily serves the property and casualty insurance company markets in the U.S.International serves the property and casualty insurance company and self-insurance markets outside the U.S. Broadspire serves the self-insurance marketplace, primarily in the U.S. Garden City Group serves the class action, regulatory, mass tort, bankruptcy, and other legal settlement markets, primarily in the U.S.

Insurance companies, which represent the major source of our global revenues, customarily manage their own claims administration function but often rely on third parties for certain services which we provide, primarily field investigation and the evaluation of property and casualty insurance claims. We are also experiencing increased utilization by insurance companies of the managed repair network provided by our Contractor Connection division.

Self-insured entities typically rely on us for a broader range of services. In addition to field investigation and claims evaluation, we may also provide initial loss reporting services for their claimants, loss mitigation services such as medical bill review, medical case management and vocational rehabilitation, risk management information services, and trust fund administration to pay their claims.

We also perform legal settlement administration services related to class action settlements, mass torts and bankruptcies, including identifying and qualifying class members, determining and dispensing settlement payments, and administering settlement funds.

The global claims management services market is highly competitive and comprised of a large number of companies of varying size and that offer a varied scope of services. The demand from insurance companies and self-insured entities for services provided by independent claims service firms like us is largely dependent on industry-wide claims volumes, which are affected by, among other things, the insurance underwriting cycle, weather-related events, general economic activity, overall employment levels, and workplace injury rates. Demand is also impacted by decisions insurance companies and self-insured entities may make with respect to the level of claims outsourced to independent claim service firms as opposed to those handled by their own in-house claims adjusters. In addition, our ability to retain clients and maintain or increase case referrals is also dependent in part on our ability to continue to provide high-quality, competitively priced services and effective sales efforts.

24

We typically earn our revenues on an individual fee-per-claim basis for claims management services we provide to insurance companies and self-insured entities. Accordingly, the volume of claim referrals to us is a key driver of our revenues. Generally, fees are earned on cases as services are provided, which generally occurs in the period the case is assigned to us, although sometimes a portion or substantially all of the revenues generated by a specific case assignment will be earned in subsequent periods. We cannot predict the future trend of case volumes for a number of reasons, including the frequency and severity of weather-related cases and the occurrence of natural and man-made disasters, which are a significant source of cases for us and are not subject to accurate forecasting.

The legal settlement administration market within which our Garden City Group segment operates is also highly competitive but is comprised of a smaller number of specialized entities. The demand for legal settlement administration services is generally not directly tied to or affected by the insurance underwriting cycle. The demand for these services is largely dependent on the volume of class action settlements, the volume of bankruptcy filings and the resulting settlements, volume of mass torts and general economic conditions. Our revenues for legal settlement administration services are largely project-based, and we earn these revenues as we perform individual tasks and deliver the outputs as outlined in each project.

Results of Operations

Executive Summary

Consolidated revenues before reimbursements decreased $22.1 million or 7.2% for the three months ended June 30, 2016 and $32.6 million or 5.5% for the six months ended June 30, 2016 compared with the same periods of 2015. The decreases in revenues for the second quarter and six-month periods were due to decreases in revenues in our U.S. Services, International and Garden City Group segments, partially offset by an increase in revenues in our Broadspire segment. Changes in foreign exchange rates reduced revenues in the International segment by $6.1 million for the three months ended June 30, 2016 and $17.3 million for the six months ended June 30, 2016.

Costs of services provided, before reimbursements, decreased $31.7 million or 13.7% for the three months ended June 30, 2016 and $49.6 million or 11.0% for the six months ended June 30, 2016 compared with the same periods of 2015. These decreases were primarily due to decreases in compensation and non-employee labor in our U.S. Services, International and Garden City Group segments.

Selling, general, and administrative ("SG&A") expenses were 6.7% higher in the quarter and 0.2% higher in the six months ended June 30, 2016 compared with the same periods of 2015. The increase in expense for the three months ended June 30, 2016 was primarily due to increases in self-insurance expense, incentive compensation expense, and the allowance for doubtful accounts in our International segment due to increased aged receivables compared with the 2015 period. The slight increase for the six months ended June 30, 2016 was due to an increase in self-insurance expense and the allowance for doubtful accounts due to an increase in the aging of receivables, partially offset by a decrease in acquisition and related expenses.

Restructuring and Special Charges

During the three months and six months ended June 30, 2016 we recorded $3.5 million and $5.9 million, respectively, in restructuring and special charges, and for the same periods of 2015 we recorded $4.2 million and $5.3 million, respectively.

Included in these totals are restructuring charges for the three months and six months ended June 30, 2016 and 2015 as summarized below:

Restructuring Charges	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
Implementation and phase-in of the Centers	$	1,973	$	1,196	$	2,402	$	2,259
Asset impairments and lease termination costs	337		—		1,165		—
Integration costs related to the GAB Robins acquisition and International segment restructuring	716		1,938		1,603		1,938
Restructuring activities for U.S. Services segment	—		1,108		$	—	1,108
Total restructuring charges	$	3,026	$	4,242	$	5,170	$	5,305

25

The Company expects to incur restructuring and special charges in 2016 totaling $15.6 million pretax. This is comprised of approximately $5.1 million related to the Centers and $10.5 million related to previously announced restructuring plans and other special charges. As a result of restructuring charges incurred for the Centers in 2015 and 2016, the Company expects to achieve $10.7 million in savings in 2016. The Centers provide us a venue for global consolidation of certain business functions, shared services, and currently outsourced processes. The Centers, which are expected to be phased in through 2018, are expected to allow us to continue to strengthen our client service, realize additional operational efficiencies, and invest in new capabilities for growth. No assurances can be provided of our ability to timely or cost-effectively complete and ramp up operations at the Centers, or to achieve expected cost savings on a timely basis or at all.

The Company recorded special charges for the three months and six months ended June 30, 2016 of $500,000 and $773,000. The special charges consisted of legal and professional fees related to the ongoing investigation as disclosed in Note 11 "Commitments and Contingencies" and other professional fees. There were no similar special charges in the comparable 2015 periods.

Operating Earnings of our Operating Segments

We believe that a discussion and analysis of the segment operating earnings of our four operating segments is helpful in understanding the results of our operations. Operating earnings is our segment measure of profitability presented in conformity with the Financial Accounting Standards Board's ("FASB") Accounting Standards Codification ("ASC") Topic 280 "Segment Reporting." Operating earnings is the primary financial performance measure used by our senior management and CODM to evaluate the financial performance of our operating segments and make resource allocation decisions. Operating earnings includes costs for administrative functions required to run our business.

For our International and Garden City Group segments, most administrative functions, such as finance, human resources, information technology, quality and compliance, are embedded in those locations and are considered direct costs of those operations. For our domestic operations (primarily Broadspire and the U.S. Services segments), we have a centralized shared-services arrangement for most of these administrative functions, and we allocate the costs of those services to the segments as indirect costs based on usage. Although some of the administrative services in our shared-services center benefit, and are allocated to, all four of our operating segments, the majority of these shared services are allocated to Broadspire and the U.S. Services segments.

We believe operating earnings is a measure that is useful to others in that it allows them to evaluate segment operating performance using the same criteria used by our senior management and CODM. Segment operating earnings represent segment earnings, including the direct and indirect costs of administrative functions, but excluding certain unallocated corporate and shared costs, net corporate interest expense, stock option expense, amortization of customer-relationship intangible assets, restructuring and special charges, income taxes, and net income or loss attributable to noncontrolling interests.

Income taxes, net corporate interest expense, stock option expense, and amortization of customer-relationship intangible assets are recurring components of our net income, but they are not considered part of our segment operating earnings because they are managed on a corporate-wide basis. Income taxes are calculated for the Company on a consolidated basis based on statutory rates in effect in the various jurisdictions in which we provide services, and vary significantly by jurisdiction. Net corporate interest expense results from capital structure decisions made by senior management and the Board of Directors and affects the Company as a whole. Stock option expense represents the non-cash costs generally related to stock options and employee stock purchase plan expenses which are not allocated to our operating segments. Amortization expense is a non-cash expense for customer-relationship intangible assets acquired in business combinations. None of these costs relate directly to the performance of our services or operating activities and, therefore, are excluded from segment operating earnings in order to better assess the results of each segment's operating activities on a consistent basis.

Unallocated corporate and shared costs represent expenses related to our chief executive officer and Board of Directors, certain provisions for bad debt allowances or subsequent recoveries such as those related to bankrupt clients, defined benefit pension costs or credits for our frozen U.S. pension plan, and certain self-insurance costs and recoveries, and professional fees related to certain corporate projects that are not allocated to our individual operating segments.

Restructuring and special charges are not allocated to any particular operating segment as they arise from non-core items not directly related to our normal business or operations.

Additional discussion and analysis of our income taxes, net corporate interest expense, stock option expense, amortization of customer-relationship intangible assets, restructuring and special charges, and unallocated corporate and shared costs follows the discussion and analysis of the results of operations of our four operating segments.

26

Segment Revenues

In the normal course of business, our operating segments incur certain out-of-pocket expenses that are thereafter reimbursed by our clients. Under GAAP, these out-of-pocket expenses and associated reimbursements are required to be included when reporting revenues and expenses in our consolidated results of operations. The amounts of reimbursed expenses and related revenues offset each other in our results of operations with no impact to our net income or operating earnings. A reconciliation of revenues before reimbursements to consolidated revenues determined in accordance with GAAP is self-evident from the face of the accompanying unaudited Condensed Consolidated Statements of Operations.

Our International segment is impacted by changes in foreign exchange rates. We believe that a non-GAAP discussion and analysis of the segment revenues before reimbursements by major region, based on actual exchange rates and using a constant exchange rate, is helpful in understanding the results of our operations in this segment.

Segment Operating Expenses

Our discussion and analysis of segment operating expenses is comprised of two components: "Direct Compensation, Fringe Benefits & Non-Employee Labor" and "Expenses Other Than Direct Compensation, Fringe Benefits & Non-Employee Labor."

"Direct Compensation, Fringe Benefits & Non-Employee Labor" includes direct compensation, payroll taxes, and benefits provided to the employees of each segment, as well as payments to outsourced service providers that augment our staff in each segment. As a service company, these costs represent our most significant and variable operating expenses. As noted above, in our International and Garden City Group segments, these costs include direct compensation, payroll taxes, and benefits of certain administrative functions that are embedded in those locations and are considered direct costs of those locations. In our U.S. Services and Broadspire operations certain administrative functions are performed by centralized shared-services staff. These costs are considered indirect and are not included in "Direct Compensation, Fringe Benefits & Non-Employee Labor." Accordingly, the "Direct Compensation, Fringe Benefits & Non-Employee Labor" and "Expenses Other Than Direct Compensation, Fringe Benefits & Non-Employee Labor" components are not comparable across segments, but are comparable within each segment across periods.

The allocated indirect costs of our shared-services infrastructure are included in "Expenses Other Than Direct Compensation, Fringe Benefits & Non-Employee Labor." In addition to allocated corporate and shared costs, "Expenses Other Than Direct Compensation, Fringe Benefits & Non-Employee Labor" includes travel and entertainment, office rent and occupancy costs, automobile expenses, office operating expenses, data processing costs, cost of risk, professional fees, and amortization and depreciation expense other than amortization of customer-relationship intangible assets.

Unless noted in the following discussion and analysis, revenue amounts exclude reimbursements for out-of-pocket expenses and expense amounts exclude reimbursed out-of-pocket expenses.

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Operating results for our U.S. Services, International, Broadspire, and Garden City Group segments reconciled to income before income taxes and net income attributable to shareholders of Crawford & Company were as follows:

	Three months ended						Six months ended
(in thousands, except percentages)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Revenues:
U.S. Services	$	58,839		$	66,898		$	117,343		$	123,603
International	123,235			129,483			240,757			253,508
Broadspire	75,099			73,693			151,299			143,365
Garden City Group	25,170			34,324			50,178			71,699
Total revenues, before reimbursements	282,343			304,398			559,577			592,175
Reimbursements	15,326			20,018			29,000			38,857
Total Revenues	$	297,669		$	324,416		$	588,577		$	631,032
Direct Compensation, Fringe Benefits & Non-Employee Labor:
U.S. Services	$	32,498		$	40,155		$	67,944		$	78,001
% of related revenues before reimbursements	55.2		%	60.0		%	57.9		%	63.1		%
International	77,567			88,116			154,237			174,010
% of related revenues before reimbursements	62.9		%	68.1		%	64.1		%	68.6		%
Broadspire	42,240			39,595			83,862			79,119
% of related revenues before reimbursements	56.2		%	53.7		%	55.4		%	55.2		%
Garden City Group	16,202			23,923			33,211			49,325
% of related revenues before reimbursements	64.4		%	69.7		%	66.2		%	68.8		%
Total	$	168,507		$	191,789		$	339,254		$	380,455
% of Revenues before reimbursements	59.7		%	63.0		%	60.6		%	64.2		%
Expenses Other than Direct Compensation, Fringe Benefits & Non-Employee Labor:
U.S. Services	$	16,762		$	16,908		$	30,766		$	31,606
% of related revenues before reimbursements	28.5		%	25.3		%	26.2		%	25.6		%
International	34,695			40,200			68,513			75,988
% of related revenues before reimbursements	28.2		%	31.0		%	28.4		%	30.0		%
Broadspire	26,330			28,095			52,203			54,700
% of related revenues before reimbursements	35.1		%	38.2		%	34.5		%	38.1		%
Garden City Group	6,277			6,680			12,781			13,702
% of related revenues before reimbursements	24.9		%	19.5		%	25.5		%	19.1		%
Total before reimbursements	84,064			91,883			164,263			175,996
% of Revenues before reimbursements	29.8		%	30.2		%	29.4		%	29.7		%
Reimbursements	15,326			20,018			29,000			38,857
Total	$	99,390		$	111,901		$	193,263		$	214,853
% of Revenues	33.4		%	34.5		%	32.8		%	34.0		%
Operating Earnings:
U.S. Services	$	9,579		$	9,835		$	18,633		$	13,996
% of related revenues before reimbursements	16.3		%	14.7		%	15.9		%	11.3		%
International	10,973			1,167			18,007			3,510
% of related revenues before reimbursements	8.9		%	0.9		%	7.5		%	1.4		%
Broadspire	6,529			6,003			15,234			9,546
% of related revenues before reimbursements	8.7		%	8.1		%	10.1		%	6.7		%
Garden City Group	2,691			3,721			4,186			8,672
% of related revenues before reimbursements	10.7		%	10.8		%	8.3		%	12.1		%
Deduct:
Unallocated corporate and shared costs, net	(5,889		)	(3,043		)	(10,507		)	(7,345		)
Net corporate interest expense	(2,523		)	(2,042		)	(5,291		)	(3,906		)
Stock option expense	(137		)	(178		)	(227		)	(327		)
Amortization of customer-relationship intangible assets	(2,420		)	(2,334		)	(4,879		)	(4,432		)
Restructuring and special charges	(3,526		)	(4,242		)	(5,943		)	(5,305		)
Income before income taxes	15,277			8,887			29,213			14,409
Provision for income taxes	(6,116		)	(4,709		)	(11,423		)	(6,950		)
Net Income	9,161			4,178			17,790			7,459
Net income attributable to noncontrolling interests	(534		)	(124		)	(533		)	(419		)
Net income attributable to shareholders of Crawford & Company	$	8,627		$	4,054		$	17,257		$	7,040

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U.S. SERVICES SEGMENT

Operating earnings for our U.S. Services segment were $9.6 million, or 16.3% of revenues before reimbursements, in the second quarter of 2016, compared with $9.8 million, or 14.7% of revenues before reimbursements, in the second quarter of 2015. For the six months ended June 30, 2016, operating earnings increased to $18.6 million, or 15.9% of revenues before reimbursements, from $14.0 million, or 11.3% of revenues before reimbursements for the 2015 comparable period. The reduction in the second quarter was due to a reduction in weather-related case volumes in U.S. Claims Services. The increase for the 2016 six-month period compared with the 2015 period was primarily due to an increase in revenues in our U.S. Contractor Connection service line in 2016 and the impact of cost reduction initiatives undertaken during 2015.

Revenues before Reimbursements

U.S. Services revenues are primarily generated from the property and casualty insurance markets in the U.S. U.S. Services revenues before reimbursements by major service line for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended						Six months ended
(in thousands, except percentages)	June 30, 2016		June 30, 2015		Variance		June 30, 2016		June 30, 2015		Variance
U.S. Claims Field Operations	$	20,145	$	21,845	(7.8	)%	$	40,609	$	43,696	(7.1	)%
U.S. Technical Services	7,204		7,431		(3.1	)%	13,930		14,086		(1.1	)%
U.S. Catastrophe Services	11,423		21,491		(46.8	)%	25,955		36,969		(29.8	)%
Subtotal U.S. Claims Services	38,772		50,767		(23.6	)%	80,494		94,751		(15.0	)%
U.S. Contractor Connection	20,067		16,131		24.4	%	36,849		28,852		27.7	%
Total U.S. Services Revenues before Reimbursements	$	58,839	$	66,898	(12.0	)%	$	117,343	$	123,603	(5.1	)%

Overall, there were decreases in revenues in the U.S. Services segment in the second quarter and six months ended June 30, 2016 compared with the comparable 2015 periods. These decreases were primarily due to decreases in U.S. Claims Services revenues in 2016 compared with 2015 due to reductions of weather-related case volumes in U.S. Claims Field Operations and reductions in U.S. Catastrophe Services, partially offset by increases in revenues in U.S. Contractor Connection. There was a decrease in segment unit volume, measured principally by cases received, of 1.8% for the 2016 second quarter compared with 2015, but a slight 0.2% increase in cases received for the six months ended June 30, 2016 compared with the 2015 period. Changes in the overall mix of services provided and rates charged for those services decreased revenues by approximately 2.6% and 1.0% in the three months and six months ended June 30, 2016 compared with the 2015 periods.

Revenues in our U.S. Catastrophe Services service line include revenues from an outsourcing project for a major U.S. insurance carrier, which resulted in $8.6 million and $20.9 million of revenues in the three months and six months ended June 30, 2016, compared with $13.6 million and $26.2 in the three months and six months ended June 30, 2015. These decreases represent 7.6% and 4.3% negative variances in U.S. Services revenues for the three months and six months ended June 30, 2016, respectively, compared with the 2015 periods. The services provided to this customer are primarily project-based and are covered by the terms of multiple contractual arrangements which expire at various times in the future. In the event we are not able to retain these relationships, or replace any lost revenues from these projects as they reach their respective end dates, segment revenues and operating earnings could be negatively impacted.

U.S. Contractor Connection revenues in the second quarter and six months ended June 30, 2016 increased compared with the same periods of 2015 due to increases in cases received and higher average case values in the 2016 periods. There was also an increase in revenues in 2016 due to a project for which no cases were received. This increase was due to the ongoing expansion of our contractor network and the continued trend of insurance carriers moving high-frequency, low-complexity property cases directly to our contractor managed repair networks.

Reimbursed Expenses included in Total Revenues

Reimbursements for out-of-pocket expenses incurred in our U.S. Services segment, which were included in total Company revenues, were $2.1 million and $2.1 million for the three-month periods ended June 30, 2016 and 2015, respectively. Reimbursements were $4.0 million and $4.1 million for the six-month periods ended June 30, 2016 and 2015, respectively. Although revenues decreased in the 2016 period, the decrease in revenues related to the outsourcing project in U.S. Catastrophe Services discussed above did not have any reimbursed expenses.

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Case Volume Analysis

U.S. Services unit volumes by underlying case category, as measured by cases received, for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended				Six months ended
(whole numbers, except percentages )	June 30, 2016	June 30, 2015	Variance		June 30, 2016	June 30, 2015	Variance
U.S. Claims Field Operations	38,921	40,965	(5.0	)%	77,112	81,562	(5.5	)%
U.S. Technical Services	2,277	1,838	23.9	%	4,356	3,648	19.4	%
U.S. Catastrophe Services	5,075	8,742	(41.9	)%	10,294	13,320	(22.7	)%
Subtotal U.S. Claims Services	46,273	51,545	(10.2	)%	91,762	98,530	(6.9	)%
U.S. Contractor Connection	52,144	48,720	7.0	%	102,667	95,572	7.4	%
Total U.S. Services Cases Received	98,417	100,265	(1.8	)%	194,429	194,102	0.2	%

Overall, there was a decrease in segment unit volume, measured principally by cases received, of 1.8% for the 2016second quarter compared with 2015, primarily due to a decrease in U.S. Claims Services cases received, partially offset by an increase in U.S. Contractor Connection cases. There was a slight increase in cases received of 0.2% for the six months ended June 30, 2016 compared with the 2015 period due to an increase in U.S. Contractor Connection cases, partially offset by a decrease in U.S. Claims Services cases received. The decreases in U.S. Claims Services cases were due to reductions in weather-related activity in U.S. Claims Field Operations and U.S. Catastrophe Services service lines, partially offset by increases in U.S. Technical Services cases resulting from new clients.

The increases in U.S. Contractor Connection cases for the three months and six months ended June 30, 2016 compared with the 2015 periods were due to the ongoing expansion of our contractor network and the continued trend of insurance carriers moving high-frequency, low-complexity property cases directly to our contractor managed repair networks.

Direct Compensation, Fringe Benefits & Non-Employee Labor

The most significant expense in our U.S. Services segment is the compensation of employees, including related payroll taxes and fringe benefits, and the payments to outsourced service providers that augment our staff. U.S. Services direct compensation, fringe benefits, and non-employee labor expense, as a percentage of segment revenues before reimbursements, was 55.2% in the second quarter of 2016 decreasing from 60.0% in the second quarter of 2015. For the six months ended June 30, 2016, U.S. Services direct compensation, fringe benefits, and non-employee labor expense, as a percentage of segment revenues before reimbursements, was 57.9%, compared with 63.1% for the comparable period in 2015. These decreases were due to the impact of a realignment of staff in our U.S. Claims Field Operations during 2015.

The dollar amount of these expenses also decreased in the 2016three-month period to $32.5 million from $40.2 million in the comparable 2015 period and decreased in the six months ended June 30, 2016 to $67.9 million from $78.0 million in the comparable 2015 period. These decreases were due to fewer average employees in the 2016 periods. There was an average of 1,390 full-time equivalent employees (including 382 catastrophe adjusters) in this segment during the first six months of 2016, compared with an average of 1,505 employees (including 459 catastrophe adjusters) during the 2015 period.

Expenses Other than Reimbursements, Direct Compensation, Fringe Benefits & Non-Employee Labor

U.S. Services segment expenses other than reimbursements, direct compensation, fringe benefits, and non-employee labor were $16.8 million, or 28.5% of segment revenues before reimbursements, for the quarter ended June 30, 2016 compared with $16.9 million, or 25.3% of segment revenues before reimbursements, for the comparable quarter of 2015. The expenses were $30.8 million, or 26.2% of segment revenues before reimbursements, for the six months ended June 30, 2016, compared with $31.6 million, or 25.6% of segment revenues before reimbursements, for the comparable period of 2015. The 2016 decreases in amounts were due to the impact of continuing expense controls including a reduction in rent and other office expenses, and reductions in other administrative expenses. The increases in expense as a percent of revenues were due to reductions in variable expenses being less than the reduction in revenues in the 2016 periods.

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INTERNATIONAL SEGMENT

Operating earnings in our International segment increased to $11.0 million, or 8.9% of revenues before reimbursements, for the three months ended June 30, 2016 compared with 2015second quarter operating earnings of $1.2 million, or 0.9% of revenues before reimbursements. Operating earnings in our International segment increased to $18.0 million, or 7.5% of revenues before reimbursements, for the six months ended June 30, 2016 compared with 2015 operating earnings of $3.5 million or 1.4% of revenues before reimbursements. The increases in operating earnings were a result of an improvement in U.K. operating results and the impact of cost reduction initiatives implemented in 2015.

Revenues before Reimbursements

International segment revenues are primarily derived from the property and casualty insurance company market, with additional revenues from the self-insured markets in the U.K., Canada, Asia-Pacific (which includes Australia and New Zealand, as well as the Middle East and Africa) and Europe and Rest of World (which together consist of continental Europe and Latin America). Revenues before reimbursements by major region, based on actual exchange rates and using a constant exchange rate, for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended
	Based on actual exchange rates						Based on exchange rates for three months ended June 30, 2015
(in thousands, except percentages)	June 30, 2016		June 30, 2015		Variance		June 30, 2016		Variance
U.K.	$	44,498	$	48,607	(8.5	)%	$	47,430	(2.4	)%
Canada	27,690		29,205		(5.2	)%	28,822		(1.3	)%
Asia-Pacific	27,827		25,926		7.3	%	29,090		12.2	%
Europe and Rest of World	23,220		25,745		(9.8	)%	23,957		(6.9	)%
Total International Revenues before Reimbursements	$	123,235	$	129,483	(4.8	)%	$	129,299	(0.1	)%

	Six months ended
	Based on actual exchange rates						Based on exchange rates for six months ended June 30, 2015
(in thousands, except percentages)	June 30, 2016		June 30, 2015		Variance		June 30, 2016		Variance
U.K.	$	90,974	$	91,703	(0.8	)%	$	96,249	5.0	%
Canada	52,224		58,241		(10.3	)%	55,666		(4.4	)%
Asia-Pacific	51,389		50,362		2.0	%	55,613		10.4	%
Europe and Rest of World	46,170		53,202		(13.2	)%	50,532		(5.0	)%
Total International Revenues before Reimbursements	$	240,757	$	253,508	(5.0	)%	$	258,060	1.8	%

Revenues before reimbursements from our International segment totaled $123.2 million in the three months ended June 30, 2016, compared with $129.5 million in the 2015 period. Changes in foreign exchange rates decreased our International segment revenues by approximately 4.7%, or $6.1 million, for the three months ended June 30, 2016 as compared with the 2015 period. Absent foreign exchange rate fluctuations, International segment revenues would have been $129.3 million for the three months ended June 30, 2016. Overall case volumes decreased 17.4% for the three months ended June 30, 2016 compared with the same period of 2015. Changes in product mix and in the rates charged for those services accounted for a 17.3% revenue increase for the three months ended June 30, 2016 compared with the same period in 2015.

Revenues before reimbursements from our International segment totaled $240.8 million in the first six months of 2016, compared with $253.5 million in the comparable 2015 period. Changes in foreign exchange rates resulted in a decrease of our International segment revenues by approximately 6.8%, or $17.3 million, for the six months ended June 30, 2016 as compared with the 2015 period. Absent foreign exchange rate fluctuations, International segment revenues would have been $258.1 million for the six months ended June 30, 2016. Overall case volumes decreased 15.0% for the six months ended June 30, 2016 compared with the same period of 2015. Changes in product mix and in the rates charged for those services accounted for a 16.8% revenue increase for the six months ended June 30, 2016 compared with the same period in 2015.

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The decrease in revenues in the U.K. for the second quarter of 2016 compared with the second quarter of 2015 was due to a decrease in case volumes and a change in the mix of services provided. Revenues in Canada decreased in the three months ended June 30, 2016 compared with the 2015 period due primarily to a reduction in weather-related activity. The revenue increase in Asia-Pacific was due to an increase in weather-related activity in Australia, partially offset by a reduction in high-volume, low-complexity motor claims in China and Singapore where we have exited that product line in those countries. The decrease in Europe and Rest of World revenues in the second quarter of 2016 compared with the same period in 2015 was primarily due to a reduction in case volumes and changes in the mix of services provided.

The slight decrease in revenues in the U.K. for the six months ended June 30, 2016 compared with the comparable period of 2015 was due to the change in foreign exchange rates. Absent the change in exchange rates, U.K. revenues would have increased as a result of cases received from flooding in that country in the 2016 first quarter. Revenues in Canada decreased in the six months ended June 30, 2016 compared with the 2015 period due primarily to a reduction in weather-related activity and the change in exchange rates. There was a revenue increase in Asia-Pacific due to an increase in weather-related activity in Australia, partially offset by a reduction in high-volume, low-complexity motor claims in China and Singapore where we have exited that product line in those countries. The revenue decrease in Europe and Rest of World for the six months ended June 30, 2016 compared with the same period in 2015 was due to a reduction in case volumes and changes in the mix of services provided.

Reimbursed Expenses included in Total Revenues

Reimbursements for out-of-pocket expenses incurred in our International segment, which are included in total Company revenues, decreased slightly to $7.8 million and $14.6 million for the three months and six months ended June 30, 2016, respectively, from $8.0 million and $14.8 million in the comparable periods in 2015. These decreases primarily resulted from decreases in revenues in the 2016 periods.

Case Volume Analysis

International segment unit volumes by region, measured by cases received, for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended				Six months ended
(whole numbers, except percentages)	June 30, 2016	June 30, 2015	Variance		June 30, 2016	June 30, 2015	Variance
U.K.	32,923	33,406	(1.4	)%	70,028	61,594	13.7	%
Canada	40,068	44,066	(9.1	)%	79,097	92,708	(14.7	)%
Asia-Pacific	21,733	37,419	(41.9	)%	48,368	78,168	(38.1	)%
Europe and Rest of World	66,262	80,040	(17.2	)%	140,624	165,419	(15.0	)%
Total International Cases Received	160,986	194,931	(17.4	)%	338,117	397,889	(15.0	)%

Overall case volumes were 17.4% and 15.0% lower in the three months and six months ended June 30, 2016 compared with the same periods in 2015. The U.K. case volumes were slightly lower in the second quarter2016 due to a reduction in high-frequency, low-complexity claims, but were higher for the six months ended June 30, 2016 due primarily due to flooding-related cases received in the 2016 first quarter. The decreases in Canada were due to a reduction in weather-related case activity and high-frequency, low-complexity vehicle appraisals in the 2016 periods. The decreases in Asia-Pacific cases were due to a decline in high-frequency, low-complexity motor cases in Singapore and China described above. The reductions in case volumes in Europe and Rest of World were primarily due to a decline in high-frequency, low-complexity motor cases in Brazil where we have exited this product line in that country.

Direct Compensation, Fringe Benefits & Non-Employee Labor

As a percentage of revenues before reimbursements, direct compensation, fringe benefits, and non-employee labor expenses were 62.9% for the three months ended June 30, 2016 compared with 68.1% for the comparable period in 2015. and were 64.1% for the six months ended June 30, 2016 compared with 68.6% for the comparable period in 2015. The dollar amount of these expenses also decreased to $77.6 million for the three months ended June 30, 2016 from $88.1 million for the 2015 period. The dollar amount of this expense also decreased to $154.2 million for the six months ended June 30, 2016 from $174.0 million for the 2015 period. These decreases were due to the impact of cost reduction initiatives implemented in 2015 and improved staff utilization. There was an average of 4,319 full-time equivalent employees in this segment in the six months ended June 30, 2016 compared with an average of 4,780 in the 2015 period.

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Expenses Other than Reimbursements, Direct Compensation, Fringe Benefits & Non-Employee Labor

Expenses other than reimbursements, direct compensation, fringe benefits, and non-employee labor were 28.2% of International segment revenues before reimbursements for the three months ended June 30, 2016, compared with 31.0% for the comparable period in 2015 and were 28.4% of International segment revenues before reimbursements for the six months ended June 30, 2016, compared with 30.0% for the comparable period in 2015. The amount of these expenses decreased to $34.7 million and $68.5 million for the three months and six months ended June 30, 2016, compared with $40.2 million and $76.0 million in the comparable 2015 periods. The decreases in both the amounts and percentages were primarily due to the impact of cost reduction initiatives implemented in 2015.

BROADSPIRE SEGMENT

Our Broadspire segment reported operating earnings of $6.5 million, or 8.7% of revenues before reimbursements, for the second quarter of 2016, compared with $6.0 million, or 8.1% of revenue before reimbursements, for the second quarter of 2015. For the six months ended June 30, 2016, Broadspire operating earnings were $15.2 million, or 10.1% of revenues before reimbursements, compared with $9.5 million, or 6.7% of revenues before reimbursements, for the comparable 2015 period. Operating earnings improved from the 2015 to 2016 period due to higher revenues and improved control over operating expenses.

Revenues before Reimbursements

Broadspire segment revenues are primarily derived from workers' compensation, disability, and liability claims management, medical management services, such as medical bill review, medical case management and vocational rehabilitation for workers' compensation, and risk management information services provided to the U.S. self-insured marketplace. Broadspire revenues before reimbursements by major service line for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended						Six months ended
(in thousands, except percentages)	June 30, 2016		June 30, 2015		Variance		June 30, 2016		June 30, 2015		Variance
Workers' Compensation, Disability and Liability Claims Management	$	31,670	$	30,352	4.3	%	$	63,882	$	59,537	7.3	%
Medical Management Services	39,923		39,678		0.6	%	80,284		76,318		5.2	%
Risk Management Information Services	3,506		3,663		(4.3	)%	7,133		7,510		(5.0	)%
Total Broadspire Revenues before Reimbursements	$	75,099	$	73,693	1.9	%	$	151,299	$	143,365	5.5	%

The overall increases in revenues for the three- and six-month periods ended June 30, 2016 compared with the same periods in 2015 were primarily due to increased claims management revenues and higher average case values in the 2016 periods.

Revenues were positively impacted by changes in the mix of services provided and in the rates charged for those services, which increased revenues by approximately 3.5% from the 2015second quarter to the 2016second quarter, and 6.4% for the six months ended June 30, 2016 compared with the same period in 2015. These increases were partially offset by unit volumes, measured principally by cases received, which decreased revenues by 1.6% in the three months ended June 30, 2016, and by 0.9% for the six months ended June 30, 2016 compared with the same periods in 2015.

Reimbursed Expenses included in Total Revenues

Reimbursements for out-of-pocket expenses incurred in our Broadspire segment, which are included in total Company revenues, were $1.1 million and $2.2 million for the three months and six months ended June 30, 2016 compared with $1.1 million and $2.0 million in the comparable 2015 periods.

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Case Volume Analysis

Broadspire unit volumes by major underlying case category, as measured by cases received, for the three months and six months ended June 30, 2016 and 2015 were as follows:

	Three months ended				Six months ended
(whole numbers, except percentages)	June 30, 2016	June 30, 2015	Variance		June 30, 2016	June 30, 2015	Variance
Workers' Compensation	45,530	45,449	0.2	%	89,903	90,774	(1.0	)%
Casualty	35,869	34,718	3.3	%	72,249	70,727	2.2	%
Other	27,484	30,473	(9.8	)%	55,294	57,893	(4.5	)%
Total Broadspire Cases Received	108,883	110,640	(1.6	)%	217,446	219,394	(0.9	)%

Overall case volumes were 1.6% lower in the three months ended June 30, 2016 compared with the same period in 2015. This was primarily due to a decrease in Medical Management referrals, partially offset by an increase in Workers' Compensation and Casualty cases due to new sales.

There was a 0.9% decrease in case volumes for the six months ended June 30, 2016 compared with the same period in 2015. This was primarily due to a decrease in Medical Management referrals, partially offset by an increase in Casualty cases resulting from new sales.

Direct Compensation, Fringe Benefits & Non-Employee Labor

The most significant expense in our Broadspire segment is the compensation of employees, including related payroll taxes and fringe benefits, and the payments to outsourced service providers that augment the functions performed by our employees. For the quarter ended June 30, direct compensation and fringe benefits, and non-employee labor, as a percent of the related revenues before reimbursements, increased from 53.7% in 2015 to 56.2% in the comparable 2016 period. For the six months ended June 30, direct compensation and fringe benefits, and non-employee labor, as a percent of the related revenues before reimbursements, increased slightly from 55.2% in 2015 to 55.4% in the comparable 2016 period. The increases in the percent of revenues were due to decreased employee utilization. The amount of these expenses increased from $39.6 million in the three months ended June 30, 2015 to $42.2 million for the 2016 comparable period and from $79.1 million for the six months ended June 30, 2015 to $83.9 million for the 2016 comparable period, due to increases in employees.

Average full-time equivalent employees in this segment totaled 1,989 in the first six months of 2016, up from 1,845 in the comparable 2015 period. The increase in employees was due to conversion of outsourced contractors to full time employees in the Global Business Services Center and the increase in work supporting the increased revenues.

Expenses Other than Reimbursements, Direct Compensation, Fringe Benefits & Non-Employee Labor

Broadspire segment expenses other than reimbursements, direct compensation, fringe benefits, and non-employee labor as a percent of revenues before reimbursements was 35.1% and 34.5% for the three months and six months ended June 30, 2016, respectively, compared with 38.2% and 38.1% in the comparable 2015 periods, respectively. The decreases in the percentage of revenues were due to expense growth being less than the growth in revenues in the 2016 periods. The amount of these expenses decreased from $28.1 million in the three months ended June 30, 2015 to $26.3 million for the 2016 comparable period, and from $54.7 million for the six months ended June 30, 2015 to $52.2 million for the 2016 comparable period, due to the impact of improved cost controls.

GARDEN CITY GROUP SEGMENT

Garden City Group revenues in the first six months of 2016 declined compared with the same prior year period primarily because of lower revenues from the Deepwater Horizon class action settlement project and another non-gulf related project. We expect activity on the Deepwater Horizon special project to continue through the remainder of 2016, although at a reduced rate as compared with 2015. Garden City Group revenues are project-based and can fluctuate significantly primarily due to the timing of projects awarded.

Our Garden City Group segment reported operating earnings of $2.7 million and $4.2 million for the three months and six months ended June 30, 2016, respectively, compared with $3.7 million and $8.7 million in the comparable 2015 periods, respectively. The related segment operating margin decreased from 10.8% for the quarter ended June 30, 2015 to 10.7% in the comparable 2016 period, and from 12.1% for the six months ended June 30, 2015 to 8.3% in the comparable 2016 period.

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Revenues before Reimbursements

Garden City Group revenues are primarily derived from legal settlement administration services related to class action settlements, mass tort, and bankruptcies, primarily in the U.S. As discussed above, Garden City Group revenues before reimbursements decreased 26.7% to $25.2 million in the second quarter of 2016, compared with $34.3 million for the same period in 2015. For the six-month period ended June 30, 2016, Garden City Group revenues before reimbursements decreased 30.0% to $50.2 million, compared with $71.7 million for the same period in 2015.

At June 30, 2016 we had a backlog of projects awarded totaling approximately $94.1 million, compared with $88.0 million at June 30, 2015. Of the $94.1 million backlog at June 30, 2016, an estimated $46.5 million is expected to be recognized as revenues over the remainder of 2016.

Reimbursed Expenses included in Total Revenues

The nature and volume of work performed in our Garden City Group segment typically requires significant reimbursable out-of-pocket expenditures. Reimbursements for out-of-pocket expenses incurred in our Garden City Group segment, which are included in total Company revenues, can vary depending on the amount and types of projects and were $4.3 million in the 2016 second quarter compared with $8.9 million in the comparable period in 2015. For the six-month period ended June 30, 2016, Garden City Group reimbursements decreased to $8.2 million compared with $17.9 million for the comparable period in 2015. These decreases were due to a lower volume of case administration work on specific large projects in the 2016 periods.

Transaction Volume

Garden City Group services are generally project based and not denominated by individual claims. Depending upon the nature of projects and their respective stages of completion, the volume of transactions or tasks performed by us in any period can vary, sometimes significantly.

Direct Compensation, Fringe Benefits & Non-Employee Labor

Garden City Group direct compensation, fringe benefits, and non-employee labor expenses as a percent of revenues before reimbursements were 64.4% in the 2016second quarter compared with 69.7% in the 2015second quarter. The dollar amount of these expenses was $16.2 million for the 2016 period and $23.9 million for the comparable 2015 period. For the six-month periods ended June 30, these expenses as a percent of revenue before reimbursements were 66.2% for 2016 compared with 68.8% for 2015. The dollar amounts of these expenses were $33.2 million for the 2016 period and $49.3 million for the 2015 period. The declines in dollar values are primarily due to the winding down of the Deepwater Horizon special project. The reductions in direct compensation, fringe benefits, and non-employee labor expense as a percent of revenues were due to improved employee utilization in 2016. There was an average of 510 full-time equivalent employees in the 2016 six-month period, compared with an average of 771 in the 2015 period, decreasing as a result of decreased revenues.

Expenses Other than Reimbursements, Direct Compensation, Fringe Benefits & Non-Employee Labor

Garden City Group expenses other than reimbursements, direct compensation, fringe benefits, and non-employee labor as a percent of related revenues before reimbursements were 24.9% and 25.5% for the three months and six months ended June 30, 2016, respectively, compared with 19.5% and 19.1% for the comparable 2015 periods respectively. The dollar amount of these expenses decreased to $6.3 million in the 2016second quarter as compared with $6.7 million in the 2015second quarter and to $12.8 million in the first six months of 2016 compared with $13.7 million in the comparable 2015 period. The declines in dollar amounts were due to reductions in revenues in the 2016 periods and the related variable expenses associated with those revenues. The increases in expenses as a percent of revenues were due to the reductions in variable expenses being less than the reductions in revenues in the 2016 periods.

EXPENSES AND CREDITS EXCLUDED FROM SEGMENT OPERATING EARNINGS

Income Taxes

Our consolidated effective income tax rate for financial reporting purposes changes periodically due to fluctuations in the mix of income earned from our various domestic and international operations which are subject to income taxes at varied rates, our ability to utilize net operating loss and tax credit carryforwards, changes in uncertain income tax positions, and changes in enacted tax rates. At June 30, 2016, we estimate that our effective income tax rate for 2016 will be approximately 38% after considering known discrete items.

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The provision for income taxes on consolidated income totaled $11.4 million and $7.0 million for the six months ended June 30, 2016 and 2015, respectively. The increase in the provision for income taxes on consolidated income for the six months ended June 30, 2016 compared with the comparable period of 2015 was primarily due to the overall increase in income. The overall effective tax rate decreased for the six months ended June 30, 2016 as compared with the 2015 period due primarily to the permanent extension of the U.S. federal research and development credit, fluctuations in the mix of income earned, changes in enacted tax rates, and lower current year losses in jurisdictions with lower tax rates or in jurisdictions where the losses are unable to be benefited.

Net Corporate Interest Expense

Net corporate interest expense consists of interest expense that we incur on our short- and long-term borrowings, partially offset by any interest income we earn on available cash balances and short-term investments. These amounts vary based on interest rates, borrowings outstanding, the effect of any interest rate swaps, and the amounts of invested cash. Corporate interest expense totaled $2.7 million and $2.2 million for the three months ended June 30, 2016 and 2015, respectively. Interest income totaled $151,000 and $195,000 for the three months ended June 30, 2016 and 2015, respectively. Corporate interest expense totaled $5.5 million and $4.3 million for the six months ended June 30, 2016 and 2015, respectively. Interest income totaled $221,000 and $360,000 for the six months ended June 30, 2016 and 2015, respectively. The increase in interest expense in 2016 compared with the 2015 periods was due to increased borrowings outstanding, higher average interest rates, and increased amortization of loan costs during the 2016 periods. We pay interest based on variable rates. Future levels of interest expense will be dependent on the future direction of interest rates as well as the level of outstanding borrowings.

Stock Option Expense

Stock option expense, a component of stock-based compensation, is comprised of non-cash expenses related to stock options granted under our various stock option and employee stock purchase plans. Stock option expense is not allocated to our operating segments. Stock option expense of $137,000 was recognized during the three months ended June 30, 2016, compared with $178,000 for the comparable period in 2015. Stock option expense of $227,000 was recognized during the six months ended June 30, 2016, compared with $327,000 for the comparable period in 2015. The decrease from the comparable periods in 2015 was due to the higher expense recognized in the 2015 period due to the multi-year vesting schedule of a prior grant.

Amortization of Customer-Relationship Intangible Assets

Amortization of customer-relationship intangible assets represents the non-cash amortization expense for finite-lived customer-relationship and trade name intangible assets. Amortization expense associated with these intangible assets totaled $2.4 million and $2.3 million for the three-month periods ended June 30, 2016 and 2015, respectively. Amortization expense associated with these intangible assets totaled $4.9 million and $4.4 million for the six-month periods ended June 30, 2016 and 2015, respectively. The increases in the 2016 periods over 2015 were due to the reduction of the preliminary estimated useful life of the GAB Robins customer relationship intangible asset from 18 years to 14 years during the three months ended December 31, 2015. This amortization is included in "Selling, general, and administrative expenses" in our unaudited Condensed Consolidated Statements of Operations.

Unallocated Corporate and Shared Costs, Net

Certain unallocated corporate and shared costs are excluded from the determination of segment operating earnings. For the three months and six months ended June 30, 2016 and 2015, unallocated corporate and shared costs represented costs of our frozen U.S. defined benefit pension plan, expenses for our chief executive officer and our Board of Directors, certain adjustments to our self-insured liabilities, certain unallocated legal costs and professional fees, costs of our cross currency swap, and certain adjustments and recoveries to our allowances for doubtful accounts receivable.

Unallocated corporate and shared costs were $5.9 million and $3.0 million for the three months ended June 30, 2016 and 2015, respectively. The increase for the three months ended June 30, 2016 was due to an increase in defined benefit pension expense and incentive compensation, partially offset by a decrease in professional fees. Unallocated corporate and shared costs were $10.5 million and $7.3 million for the six months ended June 30, 2016 and 2015, respectively. The increase for the six months ended June 30, 2016 was due to an increase in defined benefit pension expense, self-insured expenses, and incentive compensation, partially offset by a decrease in professional fees.

Restructuring and Special Charges

Total restructuring and special charges for the three months and six months ended June 30, 2016 were $3.5 million and $5.9 million, respectively. There were $4.2 million and $5.3 million of restructuring and special charges during the three months and six months ended June 30, 2015, respectively. See "Restructuring and Special Charges" in the "Results of Operations" section of this Item 2 where these charges are discussed.

36

LIQUIDITY, CAPITAL RESOURCES, AND FINANCIAL CONDITION

At June 30, 2016, our working capital balance (current assets less current liabilities) was approximately $122.9 million, an increase of $11.1 million from the working capital balance at December 31, 2015. Our cash and cash equivalents were $59.4 million at June 30, 2016, compared with $76.1 million at December 31, 2015.

Cash and cash equivalents as of June 30, 2016 consisted of $15.8 million held in the U.S. and $43.6 million held in our foreign subsidiaries. All of the cash and cash equivalents held by our foreign subsidiaries is available for general corporate purposes. The Company generally does not provide for additional U.S. and foreign income taxes on undistributed earnings of foreign subsidiaries because they are considered to be indefinitely reinvested. The Company's current expectation is that such earnings will be reinvested by the subsidiaries or will be repatriated only when it would be tax effective or otherwise strategically beneficial to the Company such as if a very unusual event or project generated profits significantly in excess of ongoing business reinvestment needs. If such an event were to occur, we would analyze our anticipated investment needs in that region and provide for U.S. taxes for earnings that are not expected to be permanently reinvested. Other historical earnings and future foreign earnings necessary for business reinvestment are expected to remain permanently reinvested and will be used to provide working capital for these operations, fund defined benefit pension plan obligations, repay non-U.S. debt, fund capital improvements, and fund future acquisitions. We currently believe that funds expected to be generated from our U.S. operations, along with potential borrowing capabilities in the U.S., will be sufficient to fund our U.S. operations and other obligations, including our funding obligations under our U.S. defined benefit pension plan, for the foreseeable future and, therefore, except in limited circumstances such as those described above, do not expect to repatriate cash held by our foreign subsidiaries in a taxable transaction to fund our U.S. operations. However, if at a future date or time these funds are necessary for our operations in the U.S. or we otherwise believe it is in our best interests to repatriate all or a portion of such funds, we may be required to accrue and pay U.S. taxes to repatriate these funds. No assurances can be provided as to the amount or timing thereof, the tax consequences related thereto, or the ultimate impact any such action may have on our results of operations or financial condition.

Cash Provided by Operating Activities

Cash provided by operating activities was $11.5 million for the six months ended June 30, 2016, compared with $10.2 million for the comparable period of 2015. The improvement in cash provided by operating activities in the first six months of 2016 compared with the first six months of 2015 was primarily due to improved net income partially offset by an increase in working capital.

Cash Used in Investing Activities

Cash used in investing activities, primarily for acquisitions of businesses, property and equipment, and capitalized software, was $17.1 million in the six months ended June 30, 2016 compared with $82.3 million in the first six months of 2015. This variance was due to the GAB Robins acquisition in 2015.

Cash Used in/Provided by Financing Activities

Cash used in financing activities was $11.0 million for the six months ended June 30, 2016 compared with $85.2 million provided by financing activities for the 2015 period. We paid $6.8 million in dividends in the both of the six-month periods ended June 30, 2016 and 2015. During the first six months of 2016, we decreased our short-term borrowings and book overdraft by $1.4 million, compared with an increase during the first six months of 2015 of $92.7 million, which primarily included borrowings to fund the GAB Robins acquisition.

Other Matters Concerning Liquidity and Capital Resources

As a component of our credit facility, we maintain a letter of credit facility to satisfy certain contractual obligations. Including $17.1 million of undrawn letters of credit issued under the letter of credit facility, the available balance under our credit facility totaled $138.7 million at June 30, 2016. Our short-term debt obligations typically peak during the first half of each year due to the annual payment of incentive compensation, contributions to retirement plans, working capital fluctuations, and certain other recurring payments, and generally decline during the balance of the year. The balance of short-term borrowings represents amounts under our credit facility that we expect, but are not required, to repay in the next twelve months. Long- and short-term borrowings outstanding, including current installments and capital leases, totaled $238.1 million as of June 30, 2016 compared with $247.3 million at December 31, 2015.

Defined Benefit Pension Funding and Cost

We sponsor a qualified defined benefit pension plan in the U.S. (the "U.S. Qualified Plan"), three defined benefit plans in the U.K., and defined benefit pension plans in the Netherlands, Norway, Germany, and the Philippines. Effective December 31, 2002, we froze our U.S. Qualified Plan. Our frozen U.S. Qualified Plan and U.K. plans were underfunded by $120.5 million and overfunded by $15.1 million, respectively, at December 31, 2015 based on accumulated benefit obligations of $501.2 million and $261.2 million for the U.S. Qualified Plan and the U.K. plans, respectively.

37

The Company is not required to make any additional contributions to its U.S. Qualified Plan or to the U.K. plans for the remainder of 2016; however, the Company expects to make additional contributions of approximately $3.0 million and $3.2 million to its U.S. and U.K. plans, respectively, during the remainder of 2016. For the six-month period ended June 30, 2016, the Company made contributions of $6,000,000 and $3,072,000 to its U.S. and U.K. defined benefit pension plans, respectively, compared with contributions of $6,000,000 and $3,303,000, respectively, in the comparable period of 2015.

Future Dividend Payments

Our Board of Directors makes dividend decisions from time to time based in part on an assessment of current and projected earnings and cash flows. Our ability to pay future dividends could be impacted by many factors including the funding requirements of our defined benefit pension plans, repayments of outstanding borrowings, levels of cash expected to be generated by our operating activities, and covenants and other restrictions contained in our credit facility. The covenants in our credit facility limit dividend payments to shareholders.

Financial Condition

Other significant changes on our unaudited Condensed Consolidated Balance Sheet as of June 30, 2016 compared with our Condensed Consolidated Balance Sheet as of December 31, 2015 were as follows:

• Accounts receivable increased $5.6 million, or $7.4 million excluding foreign currency exchange impacts. This increase was due to increased receivables in Garden City Group when compared with December 31, 2015 balances.

• Unbilled revenues increased $14.4 million or $13.3 million excluding foreign currency exchange impacts. This increase was primarily due to increased unbilled revenues in the U.K., Canada, Australia and Garden City Group when compared with December 31, 2015 balances.

At June 30, 2016, we were not a party to any off-balance sheet arrangements, other than operating leases, which we believe could materially impact our operations, financial condition, or cash flows.

As disclosed in our Annual Report on Form 10-K for the year ended December 31, 2015, we have certain material obligations under operating lease agreements to which we are a party. In accordance with GAAP, these operating lease obligations and the related leased assets are not reported on our consolidated balance sheet. Our obligations under these operating lease agreements have not changed materially since December 31, 2015.

We also maintain funds in various trust accounts to administer claims for certain clients. These funds are not available for our general operating activities and, as such, have not been recorded in the accompanying unaudited Condensed Consolidated Balance Sheets. We have concluded that we do not have a material off-balance sheet risk related to these funds.

APPLICATION OF CRITICAL ACCOUNTING POLICIES AND ESTIMATES

There have been no material changes to our critical accounting policies and estimates from those disclosed in our Annual Report on Form 10-K for the year ended December 31, 2015.

New Accounting Standards Adopted

Additional information related to adoption of accounting standards is provided in Note 3 to the accompanying unaudited condensed consolidated financial statements contained in this Quarterly Report on Form 10-Q.

Pending Adoption of New Accounting Standards

Additional information related to pending adoption of recently issued accounting standards is provided in Note 3 to the accompanying unaudited condensed consolidated financial statements contained in this Quarterly Report on Form 10-Q.

Item 3. Quantitative and Qualitative Disclosures About Market Risk

For a discussion of quantitative and qualitative disclosures about the Company's market risk, see Item 7A, "Quantitative and Qualitative Disclosures About Market Risk," of our Annual Report on Form 10-K for the year ended December 31, 2015. Our exposures to market risk have not changed materially since December 31, 2015.

38

Item 4. Controls and Procedures

Evaluation of Disclosure Controls and Procedures

We maintain disclosure controls and procedures that are designed to ensure that information required to be disclosed in our Exchange Act reports is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission's rules and forms, and that such information is accumulated and communicated to management, including the Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. Management necessarily applies its judgment in assessing the costs and benefits of such controls and procedures, which, by their nature, can provide only reasonable assurance regarding management's control objectives. The Company's management, including the Chief Executive Officer and the Chief Financial Officer, does not expect that our disclosure controls and procedures can prevent all possible errors or fraud. A control system, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that misstatements due to error or fraud will not occur or that all control issues and instances of fraud, if any, within the Company have been detected. There are inherent limitations in all control systems, including the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple errors or mistakes. Additionally, controls can be circumvented by the individual acts of one or more persons. The design of any system of controls is based in part upon certain assumptions about the likelihood of future events, and, while our disclosure controls and procedures are designed to be effective under circumstances where they should reasonably be expected to operate effectively, there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions. Because of the inherent limitations in any control system, misstatements due to possible errors or fraud may occur and not be detected.

As of the end of the period covered by this report, we performed an evaluation, under the supervision and with the participation of management, including the Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operations of our disclosure controls and procedures pursuant to Exchange Act Rules 13a-15(b) and 15d-15(b). Based upon the foregoing, the Chief Executive Officer along with the Chief Financial Officer concluded that, as of the end of the period covered by this report, our disclosure controls and procedures were effective at providing reasonable assurance that all information relating to the Company (including its consolidated subsidiaries) required to be disclosed in our Exchange Act reports is recorded, processed, summarized, and reported in a timely manner.

Changes in Internal Control over Financial Reporting

We have identified no material changes in our internal control over financial reporting that occurred during the period covered by this report that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

39

PART II — OTHER INFORMATION

Item 1A. Risk Factors

In addition to the other information set forth in this report, the factors discussed in Part I, "Item 1A. Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2015 could materially affect our business, financial condition, or results of operations. The risks described in this report and in our Annual Report on Form 10-K are not the only risks facing our Company. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition, or results of operations.

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

The Company's share repurchase authorization, approved in August 2014, provides the Company with the ability to repurchase up to 2,000,000 shares of CRDA or CRDB (or both) through July 2017 (the "2014 Repurchase Authorization"). Under the 2014 Repurchase Authorization, repurchases may be made in open market or privately negotiated transactions at such times and for such prices as management deems appropriate, subject to applicable contractual and regulatory restrictions. No shares were repurchased during the first six months of 2016. As of June 30, 2016, the Company's authorization to repurchase shares of its common stock was limited to 1,455,300 shares.

Item 6. Exhibits

See Index to Exhibits on page 42.

40

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		Crawford & Company (Registrant)
Date:	August 8, 2016	/s/ Harsha V. Agadi
		Harsha V. Agadi
		President and Chief Executive Officer (Principal Executive Officer)
Date:	August 8, 2016	/s/ W. Bruce Swain
		W. Bruce Swain
		Executive Vice President and Chief Financial Officer (Principal Financial Officer)

41

INDEX TO EXHIBITS

Exhibit
No.	Description
3.1	Restated Articles of Incorporation of the Registrant (incorporated by reference to Exhibit 3.1 to the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on May 14, 2007)
3.2	Restated By-laws of the Registrant, as amended (incorporated by reference to Exhibit 3.1 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on December 22, 2008)
10.1	Employment Agreement between Harsha V. Agadi and Crawford & Company, dated August 3, 2016
15	Letter of Ernst & Young LLP
31.1	Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2	Certification of principal financial officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32.1	Certification of principal executive officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
32.2	Certification of principal financial officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101	XBRL Documents

42

EX-10.1

Exhibit 10.1

EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made effective the 1st day of July, 2016 (the “Effective Date”), by and between Crawford & Company, a Georgia corporation (the “Company”), and Harsha V. Agadi (“Executive”).

W I T N E S S E T H:

WHEREAS, Executive presently serves as Interim President and Chief Executive Officer of the Company, as well as a member of the Board of Directors of the Company (the “Board”);

WHEREAS, the Board has recently elected Executive to serve as the Company’s Chief Executive Officer, beginning on the Effective Date; and

WHEREAS, the Company and Executive each desire to execute an agreement setting forth the terms and conditions of Executive’s employment by the Company.

NOW, THEREFORE, for and in consideration of the premises, the mutual promises, covenants and agreements contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

1.    Employment and Duties. The Company hereby employs Executive to serve as the Chief Executive Officer of the Company, reporting directly to the Board, and to perform such duties and responsibilities as are customarily performed by persons acting in such capacity, or to serve in such other positions and to have such other duties and responsibilities as may be assigned to Executive from time to time by the Board. Executive agrees to continue his service as a member of the Board, and agrees to waive all fees and other compensation that otherwise would be payable to him as a member of the Board for such service during the term of this Agreement. Executive shall not, however, have any right or entitlement to serve on the Board.

Executive shall devote substantially his full-time and effort to his duties hereunder during the term of this Agreement. Notwithstanding the foregoing, Executive shall be permitted to: (i) engage in charitable and community affairs, (ii) manage his personal investments, and (iii) serve on boards of directors (or similar bodies) of up to three (3) charitable institutions and up to one (1) for-profit entity (in addition to Crawford), so long as such activities do not violate this Agreement nor interfere with the performance of Executive’s duties hereunder. Notwithstanding the limitations described in (iii) above, Executive may serve on additional boards (or similar bodies) with the prior approval of the Executive Committee of the Board (excluding Executive, while he is a member of the Executive Committee).

Upon termination of Executive’s employment for any reason, Executive will execute letter(s) of resignation or similar documents with respect to any office(s), position(s) or title(s) that he then holds with the Company or its subsidiaries, parent(s) or other affiliated entities, including his position as a member of the Board and of any committee thereof, promptly upon request by the Company.

1

Exhibit 10.1

2.    Term. Unless earlier terminated in accordance with Paragraph 10 of this Agreement, the term of Executive’s employment under this Agreement (the “Term”) shall be deemed to have commenced as of the Effective Date and shall continue until March 31, 2018 (the “Initial Term”). Beginning on the last day of the Initial Term and on each one (1) year anniversary thereafter, the Term shall, without further action by Executive or the Company, be extended by an additional one (1) year period; provided, however, that either party may cause the Term to cease to so extend automatically, by giving written notice to the other on or before February 1 immediately prior to any such extension date of the Term. Upon such notice, the Term shall end upon the expiration of the then current Term (including any prior extensions).

3.    Compensation. For all services to be rendered by Executive during the Term, the Company shall pay Executive a base salary at the rate of Seven Hundred Thousand and No/100 Dollars ($700,000.00) per year (the “Base Salary”), less applicable withholdings, payable in substantially equal monthly or more frequent installments as is customary under the Company’s normal payroll practices from time to time for its senior management employees. The Compensation Committee of the Board shall review Executive’s Base Salary no less frequently than annually, and may adjust Executive’s Base Salary from time to time during the Term. A Base Salary adjustment, if any, may be an increase or a decrease as determined by the Compensation Committee, in its sole discretion, after taking into account such factors as it deems relevant including, without limitation, changes in the cost of living, Executive’s performance and the performance of the Company.

4.    Bonuses and Incentive Payments. Executive shall be eligible for an annual cash bonus pursuant to the terms of the Crawford & Company 2008 Short-Term Incentive Plan and/or the Crawford & Company 2016 Management Team Incentive Compensation Plan, or any successors thereto, based on achievement of the performance standards set forth under such plan(s), as determined by the Compensation Committee of the Board; provided that Executive’s annual target bonus amount for 2016 and subsequent years will be no less than eighty percent (80%) of Executive’s Base Salary. Executive shall also be eligible for long-term incentive awards under the Crawford & Company 2016 Omnibus Stock and Incentive Plan (the “Omnibus Stock and Incentive Plan”), or any successor thereto, as determined by the Compensation Committee of the Board; provided that Executive’s long-term incentive award amounts for any year, including 2016, will have an aggregate target value (as determined by the Compensation Committee) of no less than one hundred percent (100%) of Executive’s Base Salary.

5.    Expenses; D&O Policy; Indemnification.

5.1    Expenses. So long as Executive is employed hereunder, Executive shall be entitled to receive reimbursement for, or seek payment directly by the Company of, all reasonable business expenses incurred by Executive in accordance with applicable policies, practices and procedures of the Company.

5.2    D&O Policy. The Company shall maintain, at all times, a directors and officers liability insurance policy (the “D&O Policy”) and the Executive shall be covered, in his capacity as an officer and director of the Company and any of the Crawford Companies, under the D&O Policy, for all acts undertaken by Executive in good faith hereunder, subject to the coverage

2

Exhibit 10.1

limitations and other terms and conditions of such policy including but not limited to any applicable exclusions. The cost of such coverage shall be borne by the Company.

5.3    Indemnification. The Company agrees to provide to Executive indemnification protections as currently described in Article VI of the Company’s by-laws (a copy of which is attached hereto as Exhibit “A”). In the event that the Company’s by-laws are hereafter amended in regard to indemnification protections, Executive shall have the option to be covered by either (i) the current by-laws’ indemnification provisions (as reflected in Exhibit A), or (ii) the amended Company by-laws’ indemnification protections (but not both).

6.    Grant of Options to Acquire Company Stock. In connection with Executive’s employment as the Company’s Chief Executive Officer, the Company has (or will) make a one-time, non-recurring grant to Executive under the Omnibus Stock and Incentive Plan of (i) a 10‑year nonqualified stock option to acquire one hundred thousand (100,000) shares of Class A Common Stock of the Company at an exercise price of Nine and No/100 Dollars ($9.00) per share and (ii) a 10-year nonqualified stock option to acquire an additional one hundred thousand (100,000) shares of Class A Common Stock of the Company at an exercise price of Ten and No/100 Dollars ($10.00) per share. The terms and conditions applicable to the option grants will be similar to existing option grants made to members of senior management of the Company as determined and approved by the Compensation Committee of the Board.

7.    Employee Benefits. So long as Executive is actively employed hereunder, Executive will be entitled to participate in the Company’s employee benefit, bonus and other such plans and programs (including but not limited to medical, disability, nonqualified retirement and 401(k) plans, and Company automobile allowance) covering members of senior management of the Company on the same terms and conditions as other similarly-situated members of senior management, and perquisites (including but not limited to life insurance and a monthly automobile allowance or similar program) as may be offered by the Company from time to time, subject to the generally applicable eligibility and other provisions of such plans, programs and arrangements as in effect from time to time.

8.    Vacation. Executive shall be entitled to vacation annually in accordance with the Company’s vacation policies applicable to members of senior management of the Company in effect at the time the vacation is to be taken.

9.    Office. Executive’s office shall be located in Atlanta, Georgia, or such other location within a 100-mile radius of Atlanta, Georgia, as the Company may direct.

10.    Termination During the Term. Executive’s employment with the Company may be terminated as follows:

10.1    Termination by the Company for Cause or by Executive other than for Good Reason. In the event that Executive’s employment with the Company is terminated by the Board for Cause, or Executive terminates his employment other than for Good Reason (in which case Executive shall provide not less than ninety (90) days written notice to the Board), Executive shall

3

Exhibit 10.1

receive no further compensation other than Executive’s Base Salary, any bonus earned, but unpaid, as of the date of termination of Executive’s employment for the immediately preceding annual performance period and other compensation as accrued and payable through the date of such termination (“Accrued Compensation”). Any Accrued Compensation that is payable shall be paid to Executive pursuant to the Company’s normal payroll practices for its senior management employees. Any awards or benefits payable to Executive shall be paid pursuant to the Company’s normal practices, or as otherwise provided by the terms of the plan or policy pursuant to which such award and benefits are paid.

10.2    Termination by the Company other than for Cause or by Executive for Good Reason. In the event that (a) either (i) Executive’s employment with the Company is terminated by the Company other than for Cause, or (ii) Executive terminates his employment for Good Reason, and (b) with respect to the benefits under clauses (ii) and (iii) following, Executive executes and does not revoke, within the sixty (60) day period beginning on Executive’s termination date, a General Release and Separation Agreement (as described below), Executive shall receive the following which shall not be subject to any mitigation requirement (i.e., such amounts shall be payable irrespective of whether or not Executive obtains subsequent employment):

(i)    All Accrued Compensation as of Executive’s termination date and any other awards or benefits payable to Executive pursuant to the terms of any then-existing plan or policy of the Company;

(ii)    A prorated bonus amount for the annual performance period which includes Executive’s termination date, calculated as Executive’s bonus amount for such performance period that would have been payable had his employment not terminated, based on the level(s) of actual achievement of the bonus performance goal(s) for such performance period, multiplied by a fraction, the numerator of which is the number of days Executive was employed by the Company during such annual performance period and the denominator of which is 365. Any such pro rata bonus amount shall be paid when annual bonuses are paid to active members of senior management for such performance period; but in no event later than March 15 of the calendar year following the later of (A) the calendar year in which the bonus is earned and (B) the calendar year in which the bonus is no longer subject to a substantial risk of forfeiture within the meaning of Code Section 409A (as defined in Paragraph 14 below); and

(iii)    Continuation of his Base Salary then in effect for a period of eighteen (18) months following Executive’s termination date, which amount shall be paid in equal monthly or more frequent installments as is customary under the Company’s normal payroll practices for its senior management employees.

The “General Release and Separation Agreement” referenced above in this Paragraph 10.2 shall be an agreement in form and substance reasonably acceptable to the Company, that includes (w) a release of any and all claims against the Company, (x) restrictive covenants including terms regarding confidentiality, non-solicitation and non-recruitment of employees, non-solicitation of customers and non-competition (similar to those described in Paragraph 11 of this Agreement, with such updates as the Company may reasonably deem appropriate to reflect changed

4

Exhibit 10.1

circumstances, including without limitation changes in relevant law and changes in the business of the Company or the Crawford Companies (as defined in Paragraph 11), that extend for periods no longer than the applicable periods reflected in Paragraph 11 and that otherwise impose burdens no greater than those reflected in Paragraph 11), (y) an agreement regarding post-employment cooperation (that includes reasonable terms regarding notice to Executive, reimbursement of expenses incurred by Executive and, following any period during which Executive is entitled to severance pay in the form of continuation of his Base Salary pursuant to this Paragraph 10, compensation to Executive for his time with respect to a request for assistance that would require Executive to devote more than one (1) hour to fulfill such obligations, which (absent the parties’ agreement otherwise) will be a rate of pay based on Executive’s final annual Base Salary), and (z) a non-disparagement agreement, provided, however, that nothing in the General Release and Separation Agreement shall otherwise be inconsistent with provisions of this Agreement.

Notwithstanding the foregoing, neither a termination following Executive’s Disability nor termination upon Executive’s death will be treated as a termination by the Company other than for Cause for purposes of this Paragraph 10.2, but shall be governed by Paragraphs 10.4 and 10.5, respectively.

10.3    Notice of Non-Renewal of the Agreement by the Company.

(a)Non-Renewal On or Before February 1, 2020. Notice of non-renewal by the Company under Paragraph 2 (in the absence of Cause) shall constitute termination by the Company other than for Cause for purposes of Paragraph 10.2. In the event that the Company provides a notice to Executive under Paragraph 2 on or before February 1, 2020, that the Term (including any prior extensions) will not be extended, and Executive satisfies the conditions described in Paragraph 10.2 regarding a General Release and Separation Agreement, Executive will be entitled to all of the compensation and benefits as described in Paragraph 10.2.

(b)Non-Renewal After February 1, 2020. In the event that the Company provides a notice to Executive under Paragraph 2 after February 1, 2020, that the Term (including any prior extensions) will not be extended, and Executive satisfies the conditions described in Paragraph 10.2 regarding a General Release and Separation Agreement, Executive shall instead be entitled to the following:

(i)    All Accrued Compensation as of Executive’s termination date and any other awards or benefits payable to Executive pursuant to the terms of any then-existing plan or policy of the Company;

(ii)    A prorated bonus amount for the annual performance period which includes Executive’s termination date, calculated as Executive’s bonus amount for such performance period that would have been payable had his employment not terminated, based on the level(s) of actual achievement of the bonus performance goal(s) for such performance period, multiplied by a fraction, the numerator of which is the number of days Executive was employed by the Company during such annual performance period and the denominator of which is 365. Any such pro rata bonus amount shall be paid when annual bonuses are paid to active members of senior management

5

Exhibit 10.1

for such performance period; but in no event later than March 15 of the calendar year following the later of (A) the calendar year in which the bonus is earned and (B) the calendar year in which the bonus is no longer subject to a substantial risk of forfeiture within the meaning of Code Section 409A (as defined in Paragraph 14 below); and

(iii)    Continuation of his Base Salary then in effect for a period of nine (9) months following Executive’s termination date which amount shall be paid in equal monthly or more frequent installments as is customary under the Company’s payroll practices for its senior management employees, if Executive satisfies the conditions described in Paragraph 10.2 regarding a General Release and Separation Agreement in connection with termination of his employment; provided that, if such notice that the Term will not be extended during the period of time described in this subparagraph (b) is within one (1) year after a Change in Control, Executive’s period of Base Salary continuation will be for a period of eighteen (18) months following his termination date.

10.4    Disability. In the event of (a) termination of Executive’s employment following Disability and (b) with respect to the benefits under clause (ii) following, Executive executes and does not revoke, within the sixty (60) day period beginning on Executive’s termination date, a General Release and Separation Agreement (as defined in Paragraph 10.2), Executive shall be entitled to the following:

(i)    All Accrued Compensation as of Executive’s termination date and any other awards or benefits payable to Executive pursuant to the terms of any then-existing plan or policy of the Company; and

(ii)    Continuation of his Base Salary then in effect for a period of six (6) months following Executive’s termination date, which amount shall be paid in equal monthly or more frequent installments as is customary under the Company’s normal payroll practices for its senior management employees.

10.5    Death. In the event of termination of Executive’s employment upon Executive’s death during the Term, the following shall be paid to Executive’s estate:

(i)    All Accrued Compensation as of Executive’s date of death and any other awards or benefits payable pursuant to the terms of any then-existing plan or policy of the Company; and

(ii)    Continuation of Executive’s Base Salary in effect on the date of his death for a period of six (6) months following Executive’s death, which amount shall be paid in equal monthly or more frequent installments as is customary under the Company’s normal payroll practices for its senior management employees.

10.6    Definitions. For purposes of this Paragraph 10, the following terms shall have the following meanings:

(a)    “Cause” shall mean:

6

Exhibit 10.1

(i)    Executive’s refusal or willful failure to substantially perform his duties (other than any such failure resulting from incapacity due to physical or mental illness or disability), after a written demand for substantial performance is delivered to Executive by the Board that specifically identifies the manner in which the Board believes Executive has not substantially performed his duties and Executive fails to cure substantially the specified failure within thirty (30) days of the date he receives the demand;

(ii)    Executive’s dishonesty or misappropriation with regard to the Company which has a significant adverse effect on the business or reputation of the Company, or fraud with regard to the Company or its assets or business;

(iii)    Executive’s conviction of or the pleading of nolo contendere with regard to a felony;

(iv)    Executive’s material breach of fiduciary duty owed to the Company;

(v)    Executive’s gross negligence or material and willful misconduct with regard to the Company or its assets, business or employees;

(vi)    The refusal of Executive to follow the lawful directions of the Board which are consistent with the duties and authorities of Executive set forth in this Agreement and not inconsistent with other directions of the Board, after a written demand is delivered to Executive by the Board that specifically identifies the manner in which the Board believes Executive has refused to follow its lawful direction and Executive fails to cure substantially the specified refusal within thirty (30) days of the date he receives the demand; or

(vii)    Any other material breach by Executive of a material provision of this Agreement, after a written demand is delivered to Executive by the Board that specifically identifies the breach and Executive fails to cure substantially the specified breach within sixty (60) days of the date he receives the demand.

For purposes of this definition, no act or failure to act on the part of Executive shall be considered “willful” unless it is done, or omitted to be done, by Executive in bad faith or without reasonable belief (based upon an objective reasonable person standard) that Executive’s action or omission was in the best interest of the Company. Any act or failure to act based upon authority given pursuant to a resolution duly adopted by the Board or based upon the advice of counsel for the Company shall be conclusively presumed to be done, or omitted to be done, by Executive in good faith and in the best interests of the Company.

(b)    “Change in Control” shall mean the occurrence of any of the following:

(i)    Any “Person” (as defined in Section 3(a)(9) of the Securities Exchange Act of 1934 (the “Exchange Act”) as modified and used in Sections 13(d) and 14(d) of the Exchange Act) other than (A) the Company or any of its subsidiaries, (B) any stockholder of the Company that as of the Effective Date is the “beneficial owner” (as defined in Rule 13d-3 under

7

Exhibit 10.1

the Exchange Act), directly or indirectly, of securities of the Company representing more than 50% of the combined voting power of the Company’s then outstanding voting securities, (C) any trustee or other fiduciary holding securities under an employee benefit plan of the Company or any of its subsidiaries, (D) an underwriter temporarily holding securities pursuant to an offering of such securities, or (E) any corporation or other entity owned, directly or indirectly, by stockholders of the Company in substantially same proportions as their ownership of the Company’s common stock, becomes the “beneficial owner” (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company representing more than 50% of the combined voting power of the Company’s then outstanding voting securities;

(ii)    A majority of the members of the Board are replaced during any twelve- month period by directors whose appointment or election is not endorsed by majority of the Board before the date of appointment or election;

(iii)    There is consummated a merger or consolidation of the Company with any corporation, other than a merger of consolidation which would result in the voting securities of the Company outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of the surviving entity) 50% or more of the combined voting power of the voting securities of the Company or such surviving or parent entity outstanding immediately after such merger or consolidation; or

(iv)    There is completed the sale or disposition by the Company of all or substantially all of the Company’s assets (or any transaction(s) having a similar effect).

Notwithstanding the foregoing, in no event will a Change in Control be deemed to occur by virtue of any Person that as of the Effective Date is the “beneficial owner” (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company representing more than 50% of the combined voting power of the Company’s then outstanding voting securities, acquiring an additional interest of any kind in the Company or its assets.

(c)    “Disability” shall mean Executive:

(i)    Is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months, or

(ii)    By reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months, is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees of the Company.

(d)    “Good Reason” shall mean, without the written consent of Executive, any one or more of the following events:

8

Exhibit 10.1

(i)    A requirement that Executive shall report to a corporate officer or other employee rather than directly to the Board;

(ii)    A change in Executive’s title or other change that results in Executive not being the highest-ranking officer of the Company or any successor;

(iii)    A material diminution in Executive’s duties or authority;

(iv)    A material diminution in Executive’s Base Salary or compensation opportunities;

(v)    A material change in geographic location at which Executive is required to perform services;

(vi)    A failure of any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise, and whether or not the corporate existence of the Company continues) that acquires all or substantially all of the business and/or assets of the Company to agree to perform the Company’s obligations under this Agreement; or

(vii)    Any other action or inaction that constitutes a material breach by the Company of the terms of this Agreement.

However, none of the foregoing events or conditions will constitute Good Reason unless (A) Executive provides the Company with a written objection of the event or condition within ninety (90) days following the earliest date on which Executive has (or reasonably would be expected to have had) knowledge of the existence of the condition; (B) the Company does not reverse or otherwise cure the event or condition to the extent curable within thirty (30) days of receiving that written objection; and (C) Executive resigns from his position with the Company within thirty (30) days following the expiration of that cure period.

11.    Restrictive Covenants. The provisions of this Paragraph 11 shall survive the termination of this Agreement and the termination of Executive’s employment with the Company, its successors or assigns:

11.1    Duty of Confidentiality. During his employment with the Company, Executive has and will continue to be exposed to the confidential attorney-client communications of the Crawford Companies. Executive acknowledges and agrees that the attorney-client privilege applicable to those communications belongs to the Crawford Companies, not Executive, and Executive has no authority to waive or compromise that privilege. Executive shall not directly or indirectly use or disclose any information or document conveyed to him in the course of his employment that is a confidential attorney-client communication or is attorney work product, except directly to the Crawford Companies’ attorneys, or as required by law or a validly issued court or administrative agency order.

9

Exhibit 10.1

During his employment with the Company, Executive has and will continue to be intimately involved in developing strategy and planning for the Crawford Companies, and has been and will continue to be provided or have access to Confidential Information belonging to the Crawford Companies. Executive acknowledges and agrees that such information has been and will continue to be developed or obtained by the Crawford Companies by the investment of significant time, effort, and expense, and that such information is a valuable, special, and unique asset of the Crawford Companies. Executive further understands and acknowledges that such information is proprietary to the Crawford Companies and that, if exploited by Executive in contravention of this Agreement, would seriously, adversely, and irreparably affect the business of the Crawford Companies.

Executive agrees that during his employment with the Company and following the cessation of that employment for any reason, Executive shall not, except as otherwise required by law or a validly issued court or administrative agency order and except in furtherance of the interests of the Crawford Companies, directly or indirectly divulge or make use of any Confidential Information, without the prior written consent of the Company, until such Confidential Information ceases to be confidential by reason of the actions of others or through an authorized disclosure by Executive. Executive further agrees that if Executive is questioned about information subject to this Agreement by anyone not authorized to receive such information, Executive will, unless prohibited or otherwise protected by law, promptly notify the General Counsel of the Company. This Agreement does not limit the remedies available under common or statutory law, which may impose additional duties of non-disclosure.

Executive agrees that during his employment with the Company and following the cessation of that employment for any reason, Executive shall not, except in furtherance of the interests of the Crawford Companies, directly or indirectly divulge or make use of any Trade Secrets, until such Trade Secret(s) ceases to be a Trade Secret by reason of the actions of others or through an authorized disclosure by Executive.

11.2    Non-Solicitation/Non-Recruitment of Employees. Executive agrees that during his employment with the Company and for a period of eighteen (18) months following the termination of that employment for any reason, Executive will not, directly or indirectly, on his own behalf or on behalf of others, solicit or attempt to solicit any person employed by the Crawford Companies for the purpose of encouraging, enticing or causing said employee to terminate employment with the Crawford Companies.

11.3    Non-Solicitation of Customers. Executive agrees that during his employment with the Company and for a period of eighteen (18) months following the termination of that employment for any reason, Executive will not, directly or indirectly, solicit or attempt to solicit any business in competition with the Business of the Company from any of the current, then current, or actively-sought prospective customers of the Crawford Companies with whom the Executive had material contact during Executive’s tenure as Interim President and Chief Executive Officer and as Chief Executive Officer of the Company (i.e., since August 2015).

10

Exhibit 10.1

11.4    Non-Competition. Executive agrees that during his employment with the Company and for a period of eighteen (18) months following the termination of that employment for any reason, Executive will not, on his own behalf, or on behalf of any other person or entity, compete with the Crawford Companies by providing in the Restricted Territory to any entity that engages in the Business of the Company services similar to those Executive provided to the Crawford Companies with respect to all or any part of the Business of the Company, in circumstances in which Executive’s responsibilities and duties are substantially similar to those performed by Executive during the twenty-four (24) month period ending on the date Executive’s employment with the Company terminates. Notwithstanding the foregoing, the eighteen (18) month period in this Paragraph shall be reduced to nine (9) months following the termination of employment in the event Executive becomes entitled to receive only nine (9) months of severance pay pursuant to Paragraph 10.3(b).

11.5    Remedies. Executive acknowledges that should he violate the provisions of Paragraph 11 of this Agreement, it will be difficult to determine the resulting damages to the Company and that monetary damages would not be adequate in any event. In addition to any other remedies it may have, the Company shall be entitled to temporary and permanent injunctive relief without the necessity of proving actual damage. Moreover, to the extent Executive breaches this Agreement, the time periods set forth herein are continued for the period of Executive’s breach of the Agreement.

11.6    Definitions. For purposes of Paragraphs 5 and 11, the following terms are defined as follows:

(i)    “Confidential Information” means data and information regardless of form about the Crawford Companies and their employees and/or customers which is not generally known outside of the Crawford Companies, which Executive learns of in connection with Executive’s employment with the Company, and which has value to the Crawford Companies. Confidential Information includes, but is not limited to: (1) the Crawford Companies’ business and employment policies, personnel information, employee compensation and benefits, marketing methods and the targets of those methods, financial records, business plans, strategies and ideas, promotional materials, education and training materials, research and development, technology and software systems, software codes, computer models, data processing programs, machines, equipment, price lists, recruiting strategies, strategies and plans for future business, new business, product or other development, and potential acquisitions or divestitures; (2) product and technical information about the Crawford Companies’ products and services, including but not limited to the nature, origin, composition and development of such products and services, new product and service concepts, research and development projects, and expansion strategies; (3) the Crawford Companies’ proprietary information and processes, and intellectual property, including but not limited to inventions and copyrightable works; (4) the Crawford Companies’ customer information and the manner in which the Crawford Companies provide products and services to customers, including but not limited to the names of representatives of the Crawford Companies’ customers responsible for entering into contracts with the Crawford Companies, the amounts paid by such customers to the Crawford Companies and other details of customer agreements, specific customer needs and requirements, specific customer characteristics related to the provision of products or

11

Exhibit 10.1

services by the Crawford Companies, and leads and referrals to prospective customers; and (5) confidential information of third parties which is given to the Crawford Companies pursuant to an obligation or agreement to keep such information confidential.

(ii)    “Trade Secrets” means Confidential Information which meets the additional requirements of the Georgia Trade Secrets Act or the Defend Trade Secrets Act of 2016, as applicable.

(iii)    “Crawford Companies” means the Company and its subsidiaries and parents, and includes the successors and assigns of the Company or any such related companies.

(iv)    “Business of the Company” means claims management, claims adjusting, administrative services, and other services provided by the Crawford Companies as identified and described in the Company’s most recent Annual Report filed with the U.S. Securities and Exchange Commission on Form 10-K at the time Executive’s employment with the Company terminates, modified as necessary to reflect any changes to the Crawford Companies’ business activities since such filing.

(v)    “Restricted Territory” means the countries in which the Crawford Companies do business at the time Executive’s employment with the Company terminates.

11.7    Construction of Covenants. The covenants contained herein shall be presumed to be enforceable, and any reading causing unenforceability shall yield to a construction permitting enforcement. If a court finds that any provision in Paragraph 11 is overly broad such that it is unenforceable under applicable state law, the court may modify that provision to narrow its scope to the extent necessary to render it enforceable.

12.    Defend Trade Secrets Act Notice. Pursuant to the Defend Trade Secrets Act of 2016 (the “DTSA”), an individual, including Executive:

shall not be held criminally or civilly liable under any Federal or State trade secret law for the disclosure of a trade secret that (A) is made (i) in confidence to a Federal, State, or local government official, either directly or indirectly, or to an attorney; and (ii) solely for the purpose of reporting or investigating a suspected violation of law; or (B) is made in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal.

18 U.S.C. § 1833(b)(1). Accordingly, Executive and the Company have the right to disclose in confidence trade secrets, as defined by the DTSA, to federal, state and local government officials, or to an attorney, for the sole purpose of reporting or investigating a suspected violation of law. Executive and the Company also have the right to disclose trade secrets, as defined by the DTSA, in a document filed in a lawsuit or other proceeding, but only if the filing is made under seal and protected from public disclosure. Nothing in the Agreement is intended to conflict with the DTSA or create liability for disclosure of trade secrets that are expressly allowed under the DTSA.

12

Exhibit 10.1

13.    Return of Materials. Upon the request of the Company and, in any event, upon the termination of his employment with the Company, Executive shall deliver to the Company within seven (7) days of his termination of employment, all memoranda, notes, records, manuals or other documents, whether made or compiled by Executive or furnished to him from any source by virtue of his employment with the Company.

14.    Code Section 409A. Certain compensation and benefits payable under this Agreement are intended to be exempt from the requirements of Section 409A of the Internal Revenue Code of 1986, as amended, and regulations and other official guidance thereunder (“Code Section 409A”), and other compensation and payments are intended to comply with Code Section 409A. The provisions of this Agreement shall be construed and interpreted in a manner that compensation and benefits are either exempt from or compliant with the application of Code Section 409A, and which does not result in additional tax or interest to Executive under Code Section 409A. Notwithstanding any other provision of this Agreement to the contrary, if upon Executive’s termination of employment Executive is a specified employee, as defined in Code Section 409A(a)(2)(B), and if any portion of the payments or benefits to be received by Executive upon separation from service would be considered deferred compensation under Code Section 409A, then such payments shall be delayed until the earliest of (a) the date that is at least six (6) months after Executive terminates employment for reasons other than Executive’s death, (b) the date of Executive’s death, or (c) any earlier specified date that does not result in additional tax or interest to Executive under Code Section 409A. As soon as practicable after the expiration of such period, the entire amount of the delayed payments shall be paid to Executive in a single lump sum.

For purposes of this Agreement, references to a termination of employment shall be construed consistently with the definition of a “separation from service” under Code Section 409A. With respect to any taxable reimbursements or in-kind benefits provided for under this Agreement or otherwise payable to Executive, the Company (a) shall make all such reimbursements no later than Executive’s taxable year following the taxable year in which the expense was incurred, (b) the amount of expenses eligible for reimbursement, or in-kind benefits provided, during any calendar year shall not affect the expenses eligible for reimbursement, or in-kind benefits to be provided, in any other calendar year, and (c) the right to reimbursement or in-kind benefits shall not be subject to liquidation or exchange for other benefits. If the sixty (60) day period during which Executive must execute and not revoke a General Release and Separation Agreement following his termination date in order to receive any payment or benefits hereunder begins in one calendar year and ends in a second calendar year, then any payments or benefits that would otherwise occur during the first calendar year will be delayed and paid in a lump-sum during the portion of the sixty (60) day period that falls within the second calendar year. Each payment and benefit payable under this Agreement is intended to constitute separate payments for purposes of Section 1.409A-2(b)(2) of the Treasury Regulations.

15.    Confidentiality of Agreement. Other than with respect to information required to be disclosed by applicable law, the parties hereto agree not to disclose the terms of this Agreement to any individual or entity; provided Executive may disclose this Agreement and/or any of its terms to Executive’s immediate family, financial advisors and attorneys, so long as each individual to whom Executive makes such disclosure agrees to not disclose the terms of this Agreement further.

13

Exhibit 10.1

The above notwithstanding, Executive may disclose the provisions of Paragraph 11 of this Agreement to a prospective employer.

16.    Notices. All communications, notices and disclosures required or permitted by this Agreement shall be in writing and shall be deemed to have been given when delivered personally or by messenger or by overnight delivery service, or when mailed by registered or certified United States mail, postage prepaid, return receipt requested, or when received via facsimile, in all cases addressed to the person for whom it is intended at Executive’s address set forth below or to such other address as a party hereto shall have designated by notice in writing to the other parties hereto in the manner provided by this Paragraph 16:

If to the Company:        Crawford & Company

1001 Summit Boulevard

Atlanta, Georgia 30319

Attn: General Counsel

Fax: (404) 300-1040

If to Executive:        Harsha V. Agadi

[ADDRESS]

17.    Entire Agreement/Severability. This Agreement constitutes the entire agreement between Executive and the Company regarding the terms of Executive’s employment with the Company and the termination thereof and supersedes any other prior written or oral understandings. Executive and the Company agree that if any phrase, clause or provision of this Agreement is declared to be illegal, invalid or unenforceable by a court of competent jurisdiction (after application of Paragraph 11.7), such phrase, clause or provision shall be deemed severed from this Agreement, but will not affect any other provisions of this Agreement, which shall otherwise remain in full force and effect. If any phrase, clause or provision in this Agreement is deemed to be unreasonable, onerous or unduly restrictive by a court of competent jurisdiction, it shall not be stricken in its entirety and held totally void and unenforceable, but shall remain effective to the maximum extent permissible within reasonable bounds.

18.    Permitted Disclosures. Notwithstanding any other provision of this Agreement, Executive is not prohibited from reporting possible violations of federal or state law or regulation to any governmental agency or entity, or making other disclosures that are protected under federal or state law or regulation.

19.    Counterparts. This Agreement may be executed in two (2) or more counterparts, each of which shall be deemed an original, but such counterparts shall together constitute but one and the same agreement. The exchange of a fully-executed Agreement (in counterparts or otherwise) by electronic transmission in .PDF format or by facsimile shall be sufficient to bind the parties to the terms and conditions of this Agreement. A facsimile or scanned (e.g., .PDF, etc.) signature shall be deemed to be an original.

14

Exhibit 10.1

20.    Headings. The paragraph headings in this Agreement are inserted for convenience of reference only and shall not constitute a part hereof or affect the interpretation hereof.

21.    Governing Law and Jurisdiction. The parties agree that this Agreement shall be interpreted, governed and enforced under the laws of the State of Georgia, regardless of the residency of Executive. The language of all parts of this Agreement shall be construed as a whole, according to its fair meaning, and not strictly for or against any of the parties. Employee hereby agrees that the state courts of Georgia and federal courts sitting in Georgia shall have exclusive jurisdiction over any dispute arising under this Agreement. Employee hereby consents to personal jurisdiction in Georgia.

22.    Waiver. The Company may waive compliance with any of the covenants, agreements or conditions contained herein; provided that any agreement on the part of the Company to effect any such waiver shall be valid only if set forth on an instrument in writing signed on behalf of the Company and any waiver shall only act with respect to the specific matter waived and shall not be deemed a continuing waiver. No matter shall be deemed waived by either party hereto by prior failure to enforce the same or by course of conduct.

23.    Amendment. This Agreement may not be amended or modified except by an instrument in writing signed by the Company and Executive.

IN WITNESS WHEREOF, the parties hereto have duly caused this Agreement to be executed on the dates set forth below.

/s/ H. V. Agadi                        

Harsha V. Agadi

Date:3rd August 2016                

CRAWFORD & COMPANY

By:/s/ Charles H. Ogburn                

Name:Charles H. Ogburn                

Title:Chairman of Board                

Date:August 3, 2016                

15

Exhibit A

EXHIBIT A

RESTATED BY-LAWS

OF

CRAWFORD & COMPANY

(reflecting amendments made through December 20, 2008)

ARTICLE VI

INDEMNIFICATION

Section 1.The Company shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the Company) by reason of the fact that he is or was a director, officer, employee or agent of the Company, or is or was serving at the request of the Company as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including court costs and attorneys’ fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by him in connection with such action, suit or proceeding if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Company, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination of any action, suit or proceeding by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he reasonably believed to be in or not opposed to the best interests of the Company, and, with respect to any criminal action or proceeding, had reasonable cause to believe that his conduct was unlawful.

Section 2.The Company shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the Company to procure a judgment in its favor by reason of the fact that he is or was a director, officer, employee or agent of the Company, or is or was serving at the request of the Company as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against expenses (including court costs and attorneys’ fees) actually and reasonably incurred by him in connection with the defense or settlement of such action or suit if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Company and except that no such indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of his duty to the Company unless and only to the extent that the court in which such action or suit was brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which such court shall deem proper.

A-1

Exhibit A

Section 3.To the extent that a director, officer, employee or agent of the Company shall be successful on the merits or otherwise in defense of any action, suit or proceeding referred to in Sections 1 and 2 of this Article, or in defense of any claim, issue or matter therein, he shall be indemnified against expenses (including court costs and attorneys’ fees) actually and reasonably incurred by him in connection therewith.

Section 4.Any indemnification under Sections 1 and 2 of this Article (unless ordered by a court) shall be made by the Company only as authorized in the specific case upon a determination that indemnification of the director, officer, employee or agent is proper in the circumstances because he has met the applicable standard of conduct set forth in said Sections 1 and 2. Such determination shall be made (1) by the Board of Directors by a majority vote of a quorum consisting of directors who were not parties to such action, suit or proceeding, or (2) if such a quorum is not obtainable, or, even if obtainable a quorum of disinterested directors so directs, by independent legal counsel in a written opinion, or (3) by the shareholders.

Section 5.Expenses incurred in defending a civil or criminal action, suit or proceeding may be paid by the Company in advance of the final disposition or such action, suit or proceeding as authorized by the Board of Directors in the manner provided in Section 4 of this Article upon receipt of an undertaking by or on behalf of the director, officer, employee or agent to repay such amount unless it shall ultimately be determined that he is entitled to be indemnified by the Company as authorized in this Article, and, if such person is a director, upon receipt of a written affirmation of such director’s good faith belief that he or she has met the standards of conduct required by the Georgia Business Corporation Code.

Section 6.The indemnification provided by this Article shall not be deemed exclusive of any other rights to which those indemnified may be entitled under any agreement, vote of shareholders or disinterested directors, or otherwise, both as to action in his official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the heirs, executors and administrators of such a person.

Section 7.The Board of Directors may authorize, by a vote of a majority of the full Board, the Company to purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the Company, or is or was serving at the request of the Company as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against him and incurred by him in any such capacity, or arising out of his status as such, whether or not the Company would have the power to indemnify him against such liability under the provisions of this Article.

A-2

EX-15.1

Exhibit 15

The Shareholders and Board of Directors of

Crawford & Company

We are aware of the incorporation by reference in the Registration Statements (File Nos. 333-02051, 333-24425, 333-24427, 333-43740, 333-87465, 333-125557, 333-140310, 333-142569, 333-157896, 333-161278, 333-161279, 333-161280, 333-170344, 333-190373, and 333-199915) of Crawford & Company of our report dated August 8, 2016 relating to the unaudited condensed consolidated interim financial statements of Crawford & Company that are included in its Form 10-Q for the quarter ended June 30, 2016.

/s/ Ernst & Young LLP

Atlanta, Georgia

August 8, 2016

EX-31.1

Exhibit 31.1

SECTION 302 CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

I, Harsha V. Agadi, certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of Crawford & Company;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)), for the registrant and have:

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date:	August 8, 2016	/s/ Harsha V. Agadi
		Harsha V. Agadi
		President and Chief Executive Officer (Principal Executive Officer)

EX-31.2

Exhibit 31.2

SECTION 302 CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

I, W. Bruce Swain, certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of Crawford & Company;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)), for the registrant and have:

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date:	August 8, 2016	/s/ W. Bruce Swain
		W. Bruce Swain
		Executive Vice President and Chief Financial Officer (Principal Financial Officer)

EX-32.1

Exhibit 32.1

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Crawford & Company (the "Company") on Form 10-Q for the period ended June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Harsha V. Agadi, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1. The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 780(d)); and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date:	August 8, 2016	/s/ Harsha V. Agadi
		Harsha V. Agadi
		President and Chief Executive Officer
		(Principal Executive Officer)

EX-32.2

Exhibit 32.2

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Crawford & Company (the "Company") on Form 10-Q for the period ended June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, W. Bruce Swain, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1. The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 780(d)); and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date:	August 8, 2016	/s/ W. Bruce Swain
		W. Bruce Swain
		Executive Vice President and Chief Financial Officer
		(Principal Financial Officer)

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Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2016	Jul. 29, 2016
Document Information
Entity Registrant Name	CRAWFORD & CO
Entity Central Index Key	0000025475
Document Type	10-Q
Document Period End Date	Jun. 30, 2016
Amendment Flag	false
Document Fiscal Year Focus	2016
Document Fiscal Period Focus	Q2
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Common Class A
Document Information
Entity Common Stock, Shares Outstanding		30,927,920
Common Class B
Document Information
Entity Common Stock, Shares Outstanding		24,690,172

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Condensed Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Revenues:
Revenues before reimbursements	$ 282,343	$ 304,398	$ 559,577	$ 592,175
Reimbursements	15,326	20,018	29,000	38,857
Total revenues	297,669	324,416	588,577	631,032
Costs and Expenses:
Costs of services provided, before reimbursements	200,362	232,108	401,795	451,431
Reimbursements	15,326	20,018	29,000	38,857
Total costs of services	215,688	252,126	430,795	490,288
Selling, general, and administrative expenses	61,060	57,221	117,857	117,608
Corporate interest expense, net of interest income of $151 and $195 for the three months ended June 30, 2016 and 2015, respectively, and $221 and $360 for the six months ended June 30, 2016 and 2015, respectively	2,523	2,042	5,291	3,906
Restructuring and special charges	3,526	4,242	5,943	5,305
Total Costs and Expenses	282,797	315,631	559,886	617,107
Other Income	405	102	522	484
Income Before Income Taxes	15,277	8,887	29,213	14,409
Provision for Income Taxes	6,116	4,709	11,423	6,950
Net Income	9,161	4,178	17,790	7,459
Net Income Attributable to Noncontrolling Interests	(534)	(124)	(533)	(419)
Net Income Attributable to Shareholders of Crawford & Company	$ 8,627	$ 4,054	$ 17,257	$ 7,040
Common Class A
Earnings Per Share - Basic:
Earnings Per Share - Basic (usd per share)	$ 0.16	$ 0.08	$ 0.33	$ 0.15
Earnings Per Share - Diluted:
Earnings Per Share - Diluted (usd per share)	$ 0.16	$ 0.08	$ 0.33	$ 0.14
Weighted-Average Shares Used to Compute Basic Earnings Per Share:
Weighted Average Shares Used to Compute Basic Earnings Per Share (shares)	30,725	30,673	30,635	30,597
Weighted-Average Shares Used to Compute Diluted Earnings Per Share:
Weighted Average Shares Used to Compute Diluted Earnings Per Share (shares)	31,253	31,137	31,031	31,079
Cash Dividends Per Share:
Cash Dividends Per Share (usd per share)	$ 0.07	$ 0.07	$ 0.14	$ 0.14
Common Class B
Earnings Per Share - Basic:
Earnings Per Share - Basic (usd per share)	0.14	0.06	0.29	0.11
Earnings Per Share - Diluted:
Earnings Per Share - Diluted (usd per share)	$ 0.14	$ 0.06	$ 0.29	$ 0.11
Weighted-Average Shares Used to Compute Basic Earnings Per Share:
Weighted Average Shares Used to Compute Basic Earnings Per Share (shares)	24,690	24,690	24,690	24,690
Weighted-Average Shares Used to Compute Diluted Earnings Per Share:
Weighted Average Shares Used to Compute Diluted Earnings Per Share (shares)	24,690	24,690	24,690	24,690
Cash Dividends Per Share:
Cash Dividends Per Share (usd per share)	$ 0.05	$ 0.05	$ 0.10	$ 0.10

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Condensed Consolidated Statements of Operations (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Income Statement [Abstract]
Interest income	$ 151	$ 195	$ 221	$ 360

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Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Statement of Comprehensive Income [Abstract]
Net Income	$ 9,161	$ 4,178	$ 17,790	$ 7,459
Other Comprehensive Income (Loss):
Net foreign currency translation gain (loss), net of $0 tax	5,864	(625)	3,447	(11,258)
Amortization of actuarial losses for retirement plans included in net periodic pension cost, net of tax of $1,107 and $995 for the three months ended June 30, 2016 and 2015, respectively, and $2,213 and $2,071 for the six months ended June 30, 2016 and 2015, respectively	2,141	2,036	4,282	4,801
Other Comprehensive Income (Loss)	8,005	1,411	7,729	(6,457)
Comprehensive Income	17,166	5,589	25,519	1,002
Comprehensive (income) loss attributable to noncontrolling interests	(65)	182	550	310
Comprehensive Income Attributable to Shareholders of Crawford & Company	$ 17,101	$ 5,771	$ 26,069	$ 1,312

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Condensed Consolidated Statements of Comprehensive Income (Loss) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Statement of Comprehensive Income [Abstract]
OCI, Tax on foreign currency translation gains (losses)	$ 0	$ 0	$ 0	$ 0
OCI, Tax on amortization of actuarial losses on retirement plans included in net periodic pension cost	$ 1,107	$ 995	$ 2,213	$ 2,071

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Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015	[1]
Current Assets:
Cash and cash equivalents	$ 59,365	$ 76,066
Accounts receivable, less allowance for doubtful accounts of $14,769 and $13,133, respectively	170,178	164,596
Unbilled revenues, at estimated billable amounts	113,027	98,659
Income taxes receivable	4,255	4,255
Prepaid expenses and other current assets	32,031	26,601
Total Current Assets	378,856	370,177
Property and Equipment:
Property and equipment	134,390	140,383
Less accumulated depreciation	(102,077)	(102,331)
Net Property and Equipment	32,313	38,052
Other Assets:
Goodwill	94,681	95,616
Intangible assets arising from business acquisitions, net	97,666	104,861
Capitalized software costs, net	80,913	79,996
Deferred income tax assets	45,728	47,371
Other noncurrent assets	51,702	47,333
Total Other Assets	370,690	375,177
TOTAL ASSETS	781,859	783,406
Current Liabilities:
Short-term borrowings	19,371	19,958
Accounts payable	44,993	44,615
Accrued compensation and related costs	68,151	68,843
Self-insured risks	14,244	14,122
Income taxes payable	6,441	4,419
Deferred rent	13,229	13,303
Other accrued liabilities	44,649	44,577
Deferred revenues	43,136	46,552
Current installments of long-term debt and capital leases	1,757	1,959
Total Current Liabilities	255,971	258,348
Noncurrent Liabilities:
Long-term debt and capital leases, less current installments	216,944	225,365
Deferred revenues	25,936	26,592
Self-insured risks	9,897	9,354
Accrued pension liabilities	114,510	121,732
Other noncurrent liabilities	17,100	17,664
Total Noncurrent Liabilities	384,387	400,707
Shareholders' Investment:
Additional paid-in capital	45,153	41,936
Retained earnings	249,656	239,161
Accumulated other comprehensive loss	(213,819)	(222,631)
Shareholders' Investment Attributable to Shareholders of Crawford & Company	136,481	113,693
Noncontrolling interests	5,020	10,658
Total Shareholders' Investment	141,501	124,351
TOTAL LIABILITIES AND SHAREHOLDERS' INVESTMENT	781,859	783,406
Common Class A
Shareholders' Investment:
Class A common stock, $1.00 par value; 50,000 shares authorized; 30,801 and 30,537 shares issued and outstanding at June 30, 2016 and December 31, 2015, respectively. Class B common stock, $1.00 par value; 50,000 shares authorized; 24,690 shares issued and outstanding	30,801	30,537
Common Class B
Shareholders' Investment:
Class A common stock, $1.00 par value; 50,000 shares authorized; 30,801 and 30,537 shares issued and outstanding at June 30, 2016 and December 31, 2015, respectively. Class B common stock, $1.00 par value; 50,000 shares authorized; 24,690 shares issued and outstanding	$ 24,690	$ 24,690

[1] Derived from the audited Consolidated Balance Sheet

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Condensed Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015	[1]
Current Assets:
Allowance for doubtful accounts	$ 14,769	$ 13,133
Common Class A
Shareholders' Investment:
Par or stated value per share (usd per share)	$ 1	$ 1
Shares authorized (shares)	50,000,000	50,000,000
Shares issued (shares)	30,801,000	30,537,000
Shares outstanding (shares)	30,801,000	30,537,000
Common Class B
Shareholders' Investment:
Par or stated value per share (usd per share)	$ 1	$ 1
Shares authorized (shares)	50,000,000	50,000,000
Shares issued (shares)	24,690,000	24,690,000
Shares outstanding (shares)	24,690,000	24,690,000

[1] Derived from the audited Consolidated Balance Sheet.

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Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016		Jun. 30, 2015
Cash Flows From Operating Activities:
Net income	$ 17,790		$ 7,459
Reconciliation of net income to net cash provided by operating activities:
Depreciation and amortization	20,558		21,407
Stock-based compensation	1,957		1,280
(Gain) loss on disposals of property and equipment, net	(8)		33
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Accounts receivable, net	(7,437)		13,338
Unbilled revenues, net	(13,306)		(11,507)
Accrued or prepaid income taxes	3,224		2,371
Accounts payable and accrued liabilities	1,949		(16,777)
Deferred revenues	(4,084)		(308)
Accrued retirement costs	(5,247)		(12,794)
Prepaid expenses and other operating activities	(3,937)		5,718
Net cash provided by operating activities	11,459		10,220
Cash Flows From Investing Activities:
Acquisitions of property and equipment	(4,588)		(5,333)
Capitalization of computer software costs	(8,749)		(10,871)
Payments for business acquisitions, net of cash acquired	(3,672)		(66,077)
Other investing activities	(95)		0
Net cash used in investing activities	(17,104)		(82,281)
Cash Flows From Financing Activities:
Cash dividends paid	(6,762)		(6,757)
Payments related to shares received for withholding taxes under stock-based compensation plans	(4)		(2)
Proceeds from shares purchased under employee stock-based compensation plans	449		444
Decrease in note payable for stock repurchase	(2,206)		0
Repurchases of common stock	0		(137)
Increases in short-term and revolving credit facility borrowings	51,471		117,672
Payments on short-term and revolving credit facility borrowings	(52,825)		(24,951)
Payments on capital lease obligations	(935)		(1,072)
Dividends paid to noncontrolling interests	(210)		0
Other financing activities	(12)		(2)
Net cash (used in) provided by financing activities	(11,034)		85,195
Effects of exchange rate changes on cash and cash equivalents	(22)		(3,136)
(Decrease) increase in cash and cash equivalents	(16,701)		9,998
Cash and cash equivalents at beginning of year	76,066	[1]	52,456
Cash and cash equivalents at end of period	$ 59,365		$ 62,454

[1] Derived from the audited Consolidated Balance Sheet

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Condensed Consolidated Statements of Shareholders' Investment - USD ($) $ in Thousands	3 Months Ended					6 Months Ended
	Jun. 30, 2016	Mar. 31, 2016		Jun. 30, 2015	Mar. 31, 2015	Jun. 30, 2016		Jun. 30, 2015
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	$ 126,088	$ 124,351	[1]	$ 177,595	$ 179,353	$ 124,351	[1]	$ 179,353
Net income	9,161	8,629		4,178	3,281	17,790		7,459
Other comprehensive income (loss)	8,005	(276)		1,411	(7,868)	7,729		(6,457)
Cash dividends paid	(3,389)	(3,373)		(3,384)	(3,373)
Stock-based compensation	1,228	729		876	404
Common stock activity, net	431	14		433	(128)
Acquisition of noncontrolling interests		(3,800)
Dividends paid to noncontrolling interests	(23)	(186)
Increase in value of noncontrolling interest due to acquisition					5,926
Ending balance	141,501	126,088		181,109	177,595	141,501		181,109
Shareholders' Investment Attributable to Shareholders of Crawford & Company
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	121,110	113,693		165,381	172,937	113,693		172,937
Net income	8,627	8,630		4,054	2,986
Other comprehensive income (loss)	8,474	338		1,717	(7,445)
Cash dividends paid	(3,389)	(3,373)		(3,384)	(3,373)
Stock-based compensation	1,228	729		876	404
Common stock activity, net	431	14		433	(128)
Acquisition of noncontrolling interests		1,079
Ending balance	136,481	121,110		169,077	165,381	136,481		169,077
Additional Paid-In Capital
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	43,744	41,936		38,977	38,617	41,936		38,617
Stock-based compensation	1,228	729		876	404
Common stock activity, net	181			260	(44)
Acquisition of noncontrolling interests		1,079
Ending balance	45,153	43,744		40,113	38,977	45,153		40,113
Retained Earnings
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	244,418	239,161		300,584	301,091	239,161		301,091
Net income	8,627	8,630		4,054	2,986
Cash dividends paid	(3,389)	(3,373)		(3,384)	(3,373)
Common stock activity, net	0				(120)
Ending balance	249,656	244,418		301,254	300,584	249,656		301,254
Accumulated Other Comprehensive Loss
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	(222,293)	(222,631)		(229,403)	(221,958)	(222,631)		(221,958)
Other comprehensive income (loss)	8,474	338		1,717	(7,445)
Ending balance	(213,819)	(222,293)		(227,686)	(229,403)	(213,819)		(227,686)
Noncontrolling Interests
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	4,978	10,658		12,214	6,416	10,658		6,416
Net income	534	(1)		124	295
Other comprehensive income (loss)	(469)	(614)		(306)	(423)
Acquisition of noncontrolling interests		(4,879)
Dividends paid to noncontrolling interests	(23)	(186)
Increase in value of noncontrolling interest due to acquisition					5,926
Ending balance	5,020	4,978		12,032	12,214	5,020		12,032
Common Class A | Common Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	30,551	30,537		30,533	30,497	30,537		30,497
Common stock activity, net	250	14		173	36
Ending balance	30,801	30,551		30,706	30,533	30,801		30,706
Common Class B | Common Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning balance	24,690	24,690		24,690	24,690	24,690		24,690
Common stock activity, net	0	0		0	0
Ending balance	$ 24,690	$ 24,690		$ 24,690	$ 24,690	$ 24,690		$ 24,690

[1] Derived from the audited Consolidated Balance Sheet

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Basis of Presentation

6 Months Ended

Jun. 30, 2016

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Basis of Presentation

Basis of Presentation

The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X promulgated by the United States Securities and Exchange Commission (the "SEC"). Accordingly, these unaudited condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. Operating results for the three months and six months ended, and the Company's financial position as of, June 30, 2016 are not necessarily indicative of the results or financial position that may be expected for the year ending December 31, 2016 or for other future periods. The financial results from the Company's operations outside of the U.S., Canada, the Caribbean, and certain subsidiaries in the Philippines, are reported and consolidated on a two-month delayed basis (fiscal year-end of October 31) as permitted by GAAP in order to provide sufficient time for accumulation of their results.

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. In the opinion of management, all adjustments (consisting only of normal recurring accruals and adjustments) considered necessary for a fair presentation have been included. There have been no material changes to our significant accounting policies and estimates from those disclosed in the Company's Annual Report on Form 10-K for the year ended December 31, 2015.

Certain prior period amounts among the segments have been reclassified to conform to the current presentation. These reclassifications had no effect on the Company's reported consolidated results. Significant intercompany transactions have been eliminated in consolidation.

The Condensed Consolidated Balance Sheet information presented herein as of December 31, 2015 has been derived from the audited consolidated financial statements as of that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2015.

The Company consolidates the liabilities of its deferred compensation plan and the related assets, which are held in a rabbi trust and considered a variable interest entity ("VIE") of the Company. The rabbi trust was created to fund the liabilities of the Company's deferred compensation plan. The Company is considered the primary beneficiary of the rabbi trust because the Company directs the activities of the trust and can use the assets of the trust to satisfy the liabilities of the Company's deferred compensation plan. At June 30, 2016 and December 31, 2015, the liabilities of the deferred compensation plan were $9,460,000 and $9,861,000, respectively, which represented obligations of the Company rather than of the rabbi trust, and the values of the assets held in the related rabbi trust were $16,061,000 and $15,881,000, respectively. These liabilities and assets are included in "Other noncurrent liabilities" and "Other noncurrent assets," respectively, on the Company's unaudited Condensed Consolidated Balance Sheets.

The Company owns 51% of the capital stock of Lloyd Warwick International Limited ("LWI"). The Company has also agreed to provide financial support to LWI of up to approximately $10,000,000. Because of this controlling financial interest, and because Crawford has the obligation to absorb certain of LWI's losses through the additional financial support that LWI may require, LWI is considered a VIE of the Company. LWI also does not meet the business scope exception, as Crawford provides more than half of its financial support, and because LWI lacks sufficient equity at risk to permit it to carry on its activities without this additional financial support. Creditors of LWI have no recourse to Crawford's general credit. Accordingly, Crawford is considered the primary beneficiary and consolidates LWI. Total assets and liabilities of LWI as of June 30, 2016 were $9,411,000 and $11,711,000, respectively. Total assets and liabilities of LWI as of December 31, 2015 were $8,831,000 and $11,841,000, respectively. Included in LWI's total liabilities is a loan from Crawford of $10,089,000 and $10,214,000 as of June 30, 2016 and December 31, 2015 respectively.

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Business Acquisitions

6 Months Ended

Jun. 30, 2016

Business Combinations [Abstract]

Business Acquisitions

Business Acquisitions

On December 1, 2014, the Company acquired 100% of the capital stock of GAB Robins Holdings UK Limited ("GAB Robins"), a U.K. based international loss adjusting and claims management provider, for cash consideration of $71,812,000. During 2015, the Company paid an additional $2,182,000 related to net debt and net working capital adjustments under the terms of the acquisition agreement, which increased the purchase price to $73,994,000. The purchase was accounted for under the guidance of Accounting Standards Codification ("ASC") 805-10 as a business combination under the acquisition method. The purchase price included $6,329,000 placed in escrow for up to two years related to certain acquired contingencies per the terms of the acquisition agreement. As of June 30, 2016, $1,600,000 of the escrowed amount has been released. The acquisition was funded primarily through borrowings in the U.K. under the Company's credit facility.

Intangible assets acquired include customer relationships, trademarks, internally developed software and non-compete agreements. The intangibles acquired are made up largely of customer relationships of $38,210,000 being amortized over an estimated life of 14 years, and the remaining intangible assets are being amortized over periods ranging from two to five years. For the three months and six months ended June 30, 2016, the Company recognized amortization expense of $858,000 and $1,754,000, respectively, in its unaudited condensed consolidated financial statements related to these intangibles. Goodwill is attributable to the synergies of the work force in place and business resources as a result of the combination of the companies. Goodwill attributable to the acquisition will not be deductible for tax purposes.

On December 15, 2015, the Company acquired an additional 36% of the capital stock of GAB Robins Aviation Limited, a U.K.-based international aviation loss adjusting and claims management provider, for $3,672,000, bringing its total ownership interest to 95%. The Company acquired its initial 59% ownership interest in GAB Robins Aviation Limited through its acquisition of GAB Robins and because of its controlling financial interest, the Company consolidates GAB Robins Aviation Limited. The Company accounted for this subsequent acquisition as an equity transaction in accordance with ASC 810-10.

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Recently Issued Accounting Standards

6 Months Ended

Jun. 30, 2016

Accounting Changes and Error Corrections [Abstract]

Recently Issued Accounting Standards

Recently Issued Accounting Standards

Improvements to Employee Share-Based Payment Accounting

In March 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-09, "Improvements to Employee Share-Based Payment Accounting." This update was issued as part of a simplification effort for the accounting of share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. The amendment is effective for annual periods beginning after December 15, 2016, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

Simplifying the Transition to the Equity Method of Accounting

In March 2016, the FASB issued ASU 2016-07, "Simplifying the Transition to the Equity Method of Accounting." This update eliminates the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments in this update are effective for all entities for fiscal years, and interim periods beginning after December 15, 2016. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

Financial Accounting for Leases

In February 2016, the FASB issued ASU 2016-02, "Financial Accounting for Leases." Under this update, a lessee will be required to recognize assets and liabilities for leases with lease terms of more than 12 months. Consistent with current GAAP, the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease. However, unlike current GAAP, which requires only capital leases to be recognized on the balance sheet, this ASU will require both types of leases to be recognized on the balance sheet. The ASU also will require disclosures to help investors and other financial statement users better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the financial statements. The update is effective for annual periods beginning after December 15, 2018, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this update may have on its results of operations, financial condition and cash flows.

Revenue from Contracts with Customers

In May 2014, the FASB issued ASU 2014-09, "Revenue from Contracts with Customers." Under ASU 2014-09, companies will be required to recognize revenue to depict the transfer of control for goods or services to customers in amounts that reflect the consideration (that is, payment) to which the company expects to be entitled in exchange for those goods or services. The new standard also will result in enhanced disclosures about revenue, provide guidance for transactions that were not previously addressed comprehensively (for example, service revenue and contract modifications) and modify guidance for multiple-element arrangements. In August 2015, the FASB issued ASU 2015-14, which deferred by one year the effective date of ASU 2014-09. The one year deferral of the effective date of this standard changed the effective date for the Company to January 1, 2018. Early adoption is permitted, but not before the original effective date. During March 2016 the FASB issued ASU 2016-08, "Principal versus Agent Considerations (Reporting Revenue Gross versus Net)." The amendments in this update clarify the implementation guidance on principal versus agent consideration. ASU 2016-10, "Revenue from Contracts with Customers: Identifying Performance Obligations and Licensing," was issued in April 2016 to clarify the identification of performance obligations and to provide additional implementation guidance related to revenue from licensing arrangements. In May 2016, the FASB issued ASU 2016-12, "Revenue from Contracts with Customers: Narrow-Scope Improvements and Practical Expedients," to clarify the collectibility criteria in the identification of a valid contract with a customer in step one of the revenue recognition process, among other clarifications. All of the above amendments to the guidance were issued with the same effective dates as ASU 2014-09. The Company is currently evaluating its arrangements with customers and revenue streams against the requirements of this standard and the expected effect this update may have on its results of operations, financial condition and cash flows.

Accounting for Fees Paid in a Cloud Computing Arrangement

In April 2015, the FASB issued ASU 2015-05, "Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40), Customer's Accounting for Fees Paid in a Cloud Computing Arrangement." This ASU amended guidance on internal use software to clarify how customers in cloud computing arrangements should determine whether the arrangement includes a software license. The new guidance specifies that these licenses should be accounted for as licenses of intangible assets. The guidance is effective for annual periods, including interim periods within those annual periods beginning after December 15, 2015. The Company adopted this guidance during the quarter ended March 31, 2016, and it did not have any material effect on its results of operations, financial condition and cash flows.

Amendments to the Consolidation Analysis

In February 2015, FASB issued ASU 2015-02, "Consolidation (topic 810): Amendments to the Consolidation Analysis." ASU 2015-02 focuses on the consolidation evaluation for reporting organizations (public and private companies) that are required to evaluate whether they should consolidate certain legal entities. The standard is effective for fiscal years beginning after December 15, 2015, and interim periods within those years. The Company adopted this standard during the quarter ended March 31, 2016 with no impact to its results of operations, financial condition and cash flows.

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Derivative Instruments

6 Months Ended

Jun. 30, 2016

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Instruments

Derivative Instruments

In February 2011, the Company entered into a U.S. dollar and Canadian dollar ("CAD") cross currency basis swap with an initial notional amount of CAD34,749,000 as an economic hedge to an intercompany note payable to the U.S. parent by a Canadian subsidiary. The cross currency basis swap requires the Canadian subsidiary to deliver quarterly payments of CAD589,000 to the counterparty and entitles the U.S. parent to receive quarterly payments of U.S. $593,000. The Canadian subsidiary also makes interest payments to the counterparty based on 3-month Canada Bankers Acceptances plus a spread, and the U.S. parent receives payments based on U.S. 3-month LIBOR. The cross currency basis swap expires on September 30, 2025. The Company has elected to not designate this swap as a hedge of the intercompany note from the Canadian subsidiary. Accordingly, changes in the fair value of this swap, as well as changes in the value of the intercompany note, are recorded as gains or losses in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations over the term of the swap and are expected to substantially offset one another. The changes in the fair value of the cross currency basis swap will not exactly offset changes in the value of the intercompany note, as the fair value of this swap is determined based on forward rates while the value of the intercompany note is determined based on end of period spot rates. The net gains and losses for the three months and six months ended June 30, 2016 and 2015 were not significant. The Company believes there have been no material changes in the creditworthiness of the counterparty to this cross currency basis swap agreement and believes the risk of nonperformance by such party is minimal.

This swap agreement contains a provision providing that if the Company is in default under its credit facility, the Company may also be deemed to be in default under the swap agreement. If there were such a default, the Company could be required to contemporaneously settle some or all of the obligation under the swap agreement at values determined at the time of default. At June 30, 2016, no such default existed, and the Company had no assets posted as collateral under its swap agreement.

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Income Taxes

6 Months Ended

Jun. 30, 2016

Income Tax Disclosure [Abstract]

Income Taxes

Income Taxes

The Company's consolidated effective income tax rate may change periodically due to changes in enacted tax rates, fluctuations in the mix of income earned from the Company's various domestic and international operations, which are subject to income taxes at different rates, the Company's ability to utilize net operating loss and tax credit carryforwards, and amounts related to uncertain income tax positions. At June 30, 2016, the Company estimates that its effective income tax rate for 2016 will be approximately 38% after considering known discrete items. The Company's effective tax rate was lower in the 2016 periods compared with the comparable periods of 2015 primarily due to the permanent extension of the U.S. federal research and development credit, fluctuations in the mix of income earned, changes in enacted tax rates, and lower current year losses in jurisdictions with lower tax rates or in jurisdictions where the losses are unable to be benefited.

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Defined Benefit Pension Plans

6 Months Ended

Jun. 30, 2016

Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]

Defined Benefit Pension Plans

Defined Benefit Pension Plans

Net periodic benefit cost related to all of the Company's defined benefit pension plans recognized in the Company's unaudited Condensed Consolidated Statements of Operations for the three months and six months ended June 30, 2016 and 2015 included the following components:

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Service cost	$	368		$	671		$	658		$	1,432
Interest cost	8,664			8,045			16,572			16,272
Expected return on assets	(10,938		)	(10,323		)	(20,758		)	(20,824		)
Amortization of actuarial loss	3,541			2,952			6,818			6,264
Net periodic benefit cost	$	1,635		$	1,345		$	3,290		$	3,144

For the six-month period ended June 30, 2016, the Company made contributions of $6,000,000 and $3,072,000 to its U.S. and U.K. defined benefit pension plans, respectively, compared with contributions of $6,000,000 and $3,303,000, respectively, in the comparable periods of 2015. The Company is not required to make any additional contributions to its U.S. or U.K. defined benefit pension plans for the remainder of 2016; however, the Company expects to make additional contributions of approximately $3,000,000 and $3,200,000 to its U.S. and U.K. plans, respectively, during the remainder of 2016.

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Net Income Attributable to Shareholders of Crawford & Company per Common Share

6 Months Ended

Jun. 30, 2016

Earnings Per Share [Abstract]

Net Income Attributable to Shareholders of Crawford & Company per Common Share

Net Income Attributable to Shareholders of Crawford & Company per Common Share

The Company computes earnings per share of its non-voting Class A Common Stock ("CRDA") and voting Class B Common Stock ("CRDB") using the two-class method, which allocates the undistributed earnings in each period to each class on a proportionate basis. The Company's Board of Directors has the right, but not the obligation, to declare higher dividends on the CRDA shares than on the CRDB shares, subject to certain limitations. In periods when the dividend is the same for CRDA and CRDB or when no dividends are declared or paid to either class, the two-class method generally will yield the same earnings per share for CRDA and CRDB. During the first two quarters of 2016 and 2015 the Board of Directors declared a higher dividend on CRDA than on CRDB.

The computations of basic net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - basic:
Numerator:
Allocation of undistributed earnings	$	2,904	$	2,334	$	371	$	299	$	5,811	$	4,683	$	156	$	127
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, basic	$	5,059	$	3,568	$	2,520	$	1,534	$	10,105	$	7,152	$	4,444	$	2,596
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Earnings per share - basic	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.15	$	0.11

The computations of diluted net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - diluted:
Numerator:
Allocation of undistributed earnings	$	2,926	$	2,312	$	374	$	296	$	5,844	$	4,650	$	157	$	126
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, diluted	$	5,081	$	3,546	$	2,523	$	1,531	$	10,138	$	7,119	$	4,445	$	2,595
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Weighted-average effect of dilutive securities	528		—		464		—		396		—		482		—
Weighted-average common shares outstanding, diluted	31,253		24,690		31,137		24,690		31,031		24,690		31,079		24,690
Earnings per share - diluted	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.14	$	0.11

Listed below are the shares excluded from the denominator in the above computation of diluted earnings per share for CRDA because their inclusion would have been antidilutive:

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
Shares underlying stock options excluded due to the options' respective exercise prices being greater than the average stock price during the period	—	15	74	15
Performance stock grants excluded because performance conditions have not been met (1)	1,000	2,094	1,000	2,094

________________________________________________

⁽¹⁾  Compensation cost is recognized for these performance stock grants based on expected achievement rates; however, no consideration is given to these performance stock grants when calculating earnings per share until the performance measurements have been achieved. The performance measurements for approximately 574,000 outstanding performance stock grants as of June 30, 2016 are expected to be achieved by December 31, 2016.

The following table details shares issued during the three months and six months ended June 30, 2016 and June 30, 2015. These shares are included from their dates of issuance in the weighted-average common shares used to compute basic earnings per share for CRDA in the table above. There were no shares of CRDB issued during any of these periods.

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
CRDA issued under non-employee director stock plan	113	7	119	55
CRDA issued under the U.K. ShareSave Scheme	134	96	141	96
CRDA issued under the Executive Stock Bonus Plan	3	70	4	74

The Company's share repurchase authorization, approved in August 2014, provides the Company with the ability to repurchase up to 2,000,000 shares of CRDA or CRDB (or both) through July 2017 (the "2014 Repurchase Authorization"). Under the 2014 Repurchase Authorization, repurchases may be made in open market or privately negotiated transactions at such times and for such prices as management deems appropriate, subject to applicable contractual and regulatory restrictions.

During the three months and six months ended June 30, 2016, the Company did not repurchase any shares. During the three months and six months ended June 30, 2015, the Company repurchased 0 and 17,700 shares of CRDA at an average cost of $0.00 and $7.79 per share. The Company did not repurchase any shares of CRDB during any of these periods.

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Accumulated Other Comprehensive Loss

6 Months Ended

Jun. 30, 2016

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Accumulated Other Comprehensive Loss

Accumulated Other Comprehensive Loss

Comprehensive income (loss) for the Company consists of the total of net income, foreign currency translation adjustments, and accrued pension and retiree medical liability adjustments. The changes in components of "Accumulated other comprehensive loss" ("AOCL"), net of taxes and noncontrolling interests, included in the Company's unaudited condensed consolidated financial statements were as follows:

	Three months ended June 30, 2016									Six months ended June 30, 2016
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(26,150	)	$	(196,143	)	$	(222,293	)	$	(24,347	)	$	(198,284	)	$	(222,631	)
Other comprehensive income before reclassifications	6,333			—			6,333			4,530			—			4,530
Amounts reclassified from accumulated other comprehensive income	—			2,141			2,141			—			4,282			4,282
Net current period other comprehensive income	6,333			2,141			8,474			4,530			4,282			8,812
Ending balance	$	(19,817	)	$	(194,002	)	$	(213,819	)	$	(19,817	)	$	(194,002	)	$	(213,819	)

	Three months ended June 30, 2015									Six months ended June 30, 2015
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(14,869	)	$	(214,534	)	$	(229,403	)	(4,659		)	(217,299		)	$	(221,958	)
Other comprehensive loss before reclassifications	(319		)	—			(319		)	(10,529		)	—			(10,529		)
Amounts reclassified from accumulated other comprehensive income	—			2,036			2,036			—			4,801			4,801
Net current period other comprehensive (loss) income	(319		)	2,036			1,717			(10,529		)	4,801			(5,728		)
Ending balance	$	(15,188	)	$	(212,498	)	$	(227,686	)	$	(15,188	)	$	(212,498	)	$	(227,686	)

________________________________________________

⁽¹⁾  Retirement liabilities reclassified to net income are related to the amortization of actuarial losses and are included in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations. See Note 6, "Defined Benefit Pension Plans" for additional details.

The other comprehensive loss amounts attributable to noncontrolling interests shown in the Company's unaudited Condensed Consolidated Statements of Shareholders' Investment are foreign currency translation adjustments.

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Fair Value Measurements

6 Months Ended

Jun. 30, 2016

Fair Value Disclosures [Abstract]

Fair Value Measurements

Fair Value Measurements

The following table presents the Company's assets and liabilities that are measured at fair value on a recurring basis and that are categorized using the fair value hierarchy:

			Fair Value Measurements at June 30, 2016
					Significant Other		Significant
			Quoted Prices in		Observable		Unobservable
			Active Markets		Inputs		Inputs
(in thousands)	Total		(Level 1)		(Level 2)		(Level 3)
Assets:
Money market funds (1)	$	10,032	$	10,032	$	—	$	—
Derivative not designated as hedging instrument:
Cross currency basis swap (2)	4,694		—		4,694		—
Liabilities:
Contingent earnout liability (3)	1,889		—		—		1,889

________________________________________________

⁽¹⁾  The fair values of the money market funds were based on recently quoted market prices and reported transactions in an active marketplace. Money market funds are included in the Company's unaudited Condensed Consolidated Balance Sheets as "Cash and cash equivalents."

⁽²⁾  The fair value of the cross currency basis swap was derived from a discounted cash flow analysis based on the terms of the swap and the forward curves for foreign currency rates and interest rates adjusted for the counterparty's credit risk. The fair value of the cross currency basis swap is included in "Other noncurrent assets" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the cross currency basis swap.

⁽³⁾  The fair value of the contingent earnout liability for the 2014 acquisition of Buckley Scott Holdings Limited ("Buckley Scott") was estimated using an internally-prepared probability-weighted discounted cash flow analysis. The fair value analysis relied upon both Level 2 data (publicly observable data such as market interest rates and capital structures of peer companies) and Level 3 data (internal data such as the Company's operating projections). As such, the liability is a Level 3 fair value measurement. The valuation is sensitive to Level 3 data, with a maximum possible earnout of $1,993,000 at June 30, 2016. As such, the fair value is not expected to vary materially from the balance recorded. The fair value of the contingent earnout liability is included in "Other accrued liabilities" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the contingent earnout agreement. The fair value of the earnout was $1,921,000, with a maximum possible earnout of $2,027,000, at December 31, 2015. The change in the Level 3 fair value at June 30, 2016 was due to foreign currency translation adjustments and imputed interest.

Fair Value Disclosures

There were no transfers of assets between fair value levels during the three months or six months ended June 30, 2016. The categorization of assets and liabilities within the fair value hierarchy and the measurement techniques are reviewed quarterly. Any transfers between levels are deemed to have occurred at the end of the quarter.

The fair values of accounts receivable, unbilled revenues, accounts payable and short-term borrowings approximate their respective carrying values due to the short-term maturities of the instruments. The interest rate on the Company's variable rate long-term debt resets at least every 90 days; therefore, the carrying value approximates fair value. These assets and liabilities are measured within Level 2 of the hierarchy.

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Segment Information

6 Months Ended

Jun. 30, 2016

Segment Reporting [Abstract]

Segment Information

Segment Information

Financial information for the three months and six months ended June 30, 2016 and 2015 related to the Company's reportable segments, including a reconciliation from segment operating earnings to income before income taxes, the most directly comparable GAAP financial measure, is presented below.

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Revenues:
U.S. Services	$	58,839		$	66,898		$	117,343		$	123,603
International	123,235			129,483			240,757			253,508
Broadspire	75,099			73,693			151,299			143,365
Garden City Group	25,170			34,324			50,178			71,699
Total segment revenues before reimbursements	282,343			304,398			559,577			592,175
Reimbursements	15,326			20,018			29,000			38,857
Total revenues	$	297,669		$	324,416		$	588,577		$	631,032
Segment Operating Earnings:
U.S. Services	$	9,579		$	9,835		$	18,633		$	13,996
International	10,973			1,167			18,007			3,510
Broadspire	6,529			6,003			15,234			9,546
Garden City Group	2,691			3,721			4,186			8,672
Total segment operating earnings	29,772			20,726			56,060			35,724
Deduct:
Unallocated corporate and shared costs, net	(5,889		)	(3,043		)	(10,507		)	(7,345		)
Net corporate interest expense	(2,523		)	(2,042		)	(5,291		)	(3,906		)
Stock option expense	(137		)	(178		)	(227		)	(327		)
Amortization of customer-relationship intangible assets	(2,420		)	(2,334		)	(4,879		)	(4,432		)
Restructuring and special charges	(3,526		)	(4,242		)	(5,943		)	(5,305		)
Income before income taxes	$	15,277		$	8,887		$	29,213		$	14,409

Intersegment transactions are not material for any period presented.

Operating earnings is the primary financial performance measure used by the Company's senior management and chief operating decision maker ("CODM") to evaluate the financial performance of the Company's four operating segments and make resource allocation decisions. The Company believes this measure is useful to others in that it allows them to evaluate segment operating performance using the same criteria used by the Company's senior management and CODM. Operating earnings will differ from net income computed in accordance with GAAP since operating earnings represent segment earnings before certain unallocated corporate and shared costs, net corporate interest expense, stock option expense, amortization of customer-relationship intangible assets, restructuring and special charges, income taxes, and net income or loss attributable to noncontrolling interests.

Segment operating earnings includes allocations of certain corporate and shared costs. If the Company changes its allocation methods or changes the types of costs that are allocated to its fouroperating segments, prior period amounts presented in the current period financial statements are adjusted to conform to the current allocation process.

Revenues before reimbursements by major service line in the U.S. Services segment and the Broadspire segment are shown in the following table. It is not practicable to provide revenues by service line for the International segment. The Company considers all Garden City Group revenues to be derived from one service line.

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
U.S. Services
U.S. Claims Field Operations	$	20,145	$	21,845	$	40,609	$	43,696
U.S. Technical Services	7,204		7,431		13,930		14,086
U.S. Catastrophe Services	11,423		21,491		25,955		36,969
Subtotal U.S. Claims Services	38,772		50,767		80,494		94,751
U.S. Contractor Connection	20,067		16,131		36,849		28,852
Total Revenues before Reimbursements--U.S. Services	$	58,839	$	66,898	$	117,343	$	123,603
Broadspire
Workers' Compensation, Disability and Liability Claims Management	$	31,670	$	30,352	$	63,882	$	59,537
Medical Management Services	39,923		39,678		80,284		76,318
Risk Management Information Services	3,506		3,663		7,133		7,510
Total Revenues before Reimbursements--Broadspire	$	75,099	$	73,693	$	151,299	$	143,365

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Commitments and Contingencies

6 Months Ended

Jun. 30, 2016

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Commitments and Contingencies

As part of the Company's credit facility, the Company maintains a letter of credit facility to satisfy certain of its own contractual requirements. At June 30, 2016, the aggregate committed amount of letters of credit outstanding under the credit facility was $17,103,000.

In the normal course of its business, the Company is sometimes named as a defendant or responsible party in suits or other actions by insureds or claimants contesting decisions made by the Company or its clients with respect to the settlement of claims. Additionally, certain clients of the Company have in the past brought, and may, in the future bring, claims for indemnification on the basis of alleged actions by the Company, its agents, or its employees in rendering services to clients. The majority of these claims are of the type covered by insurance maintained by the Company. However, the Company is responsible for the deductibles and self-insured retentions under various insurance coverages. In the opinion of Company management, adequate provisions have been made for such known and foreseeable risks.

The Company is subject to numerous federal, state, and foreign labor, employment, worker health and safety, antitrust and competition, environmental and consumer protection, import/export, anti-corruption, and other laws, and from time to time the Company faces claims and investigations by employees, former employees, and governmental entities under such laws. Such claims, investigations, and any litigation involving the Company could divert management's time and attention from the Company's business operations and could potentially result in substantial costs of defense, settlement or other disposition, which could have a material adverse effect on the Company's results of operations, financial position, and cash flows. In the opinion of Company management, adequate provisions have been made for any items that are probable and reasonably estimable.

The agreement relating to the 2014 acquisition of Buckley Scott contains an earnout provision based on Buckley Scott achieving certain financial results during the two-year period following the completion of the acquisition, with a current estimated fair value of $1,889,000. The maximum potential earnout is $1,993,000.

The Company has voluntarily self-reported to the Securities and Exchange Commission (the "SEC") and the Department of Justice (the "DOJ") certain potential violations of the Foreign Corrupt Practices Act discovered by the Company during the course of its regular internal audit process. Upon discovery, the Company, with the oversight of the Audit Committee and the Board of Directors, proactively initiated an investigation into this matter with the assistance of external legal counsel and external forensic accountants. The Company has been cooperating fully, and expects to continue to cooperate fully, with the SEC and the DOJ in this matter. The Company cannot currently predict when or what, if any, action may be taken by the SEC or the DOJ, or other governmental authorities, or the effect any such actions may have on the Company's results of operations, cash flows or financial position.

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Restructuring and Special Charges

6 Months Ended

Jun. 30, 2016

Restructuring and Related Activities [Abstract]

Restructuring and Special Charges

Restructuring and Special Charges

Restructuring Charges

Restructuring charges for the three months and six months ended June 30, 2016 of $3,026,000 and $5,170,000 were incurred related to the establishment and phase in of the Company's Global Business Services Center in Manila, Philippines and Global Technology Services Center in Pune, India (the "Centers"), integration costs related to the GAB Robins acquisition and other restructuring activities in the International segment, and asset impairments and lease termination costs.

The following table shows the costs incurred by type of restructuring activity:

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
Implementation and phase-in of the Centers	$	1,973	$	1,196	$	2,402	$	2,259
Asset impairments and lease termination costs	337		—		1,165		—
Integration costs related to the GAB Robins acquisition and International segment restructuring	716		1,938		1,603		1,938
Restructuring activities for U.S. Services segment	—		1,108		—		1,108
Total restructuring charges	$	3,026	$	4,242	$	5,170	$	5,305

Costs associated with the Centers were primarily for professional fees and severance costs. Integration costs related to the GAB Robins acquisition and International segment restructuring were predominantly made up of severance and professional fees and other costs.

As of June 30, 2016, the following liabilities remained on the Company's unaudited Condensed Consolidated Balance Sheets related to restructuring charges recorded in 2012, 2015, and 2016. The rollforward of these costs to June 30, 2016 were as follows:

	Three months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, March 31, 2016	$	3,355		$	2,256		$	405		$	3,209		$	9,225
Additions	396			1,757			933			(60		)	3,026
Adjustments to accruals	(326		)	—			—			—			(326		)
Cash payments	(44		)	(447		)	(533		)	—			(1,024		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

	Six months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, January 1, 2016	$	3,571		$	7,006		$	1,066		$	3,257		$	14,900
Additions	1,271			2,369			1,638			(108		)	5,170
Adjustments to accruals	(542		)	—			—			—			(542		)
Cash payments	(919		)	(5,809		)	(1,899		)	—			(8,627		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

Special Charges

The Company recorded special charges for the three months and six months ended June 30, 2016 of $500,000 and $773,000. The special charges consisted of legal and professional fees related to the ongoing investigation as disclosed in Note 11 "Commitments and Contingencies" and other professional fees. At June 30, 2016, $56,000 remained on the Company's Condensed Consolidated Balance Sheets in "Other accrued liabilities." There were no similar special charges recorded in the comparable 2015 periods.

Total restructuring and special charges for the three months ended June 30, 2016 and 2015 were $3,526,000 and $4,242,000 respectively. Total restructuring and special charges for the six months ended June 30, 2016 and 2015 were $5,943,000 and $5,305,000, respectively.

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Basis of Presentation (Policies)

6 Months Ended

Jun. 30, 2016

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Consolidation, variable interest entity, policy

The Company consolidates the liabilities of its deferred compensation plan and the related assets, which are held in a rabbi trust and considered a variable interest entity ("VIE") of the Company. The rabbi trust was created to fund the liabilities of the Company's deferred compensation plan. The Company is considered the primary beneficiary of the rabbi trust because the Company directs the activities of the trust and can use the assets of the trust to satisfy the liabilities of the Company's deferred compensation plan.

New accounting pronouncements, policy

Improvements to Employee Share-Based Payment Accounting

In March 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-09, "Improvements to Employee Share-Based Payment Accounting." This update was issued as part of a simplification effort for the accounting of share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. The amendment is effective for annual periods beginning after December 15, 2016, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

Simplifying the Transition to the Equity Method of Accounting

In March 2016, the FASB issued ASU 2016-07, "Simplifying the Transition to the Equity Method of Accounting." This update eliminates the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments in this update are effective for all entities for fiscal years, and interim periods beginning after December 15, 2016. The Company is currently evaluating the effect this amendment may have on its results of operations, financial condition and cash flows.

Financial Accounting for Leases

In February 2016, the FASB issued ASU 2016-02, "Financial Accounting for Leases." Under this update, a lessee will be required to recognize assets and liabilities for leases with lease terms of more than 12 months. Consistent with current GAAP, the recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease. However, unlike current GAAP, which requires only capital leases to be recognized on the balance sheet, this ASU will require both types of leases to be recognized on the balance sheet. The ASU also will require disclosures to help investors and other financial statement users better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the financial statements. The update is effective for annual periods beginning after December 15, 2018, and interim periods thereafter. Early adoption is permitted. The Company is currently evaluating the effect this update may have on its results of operations, financial condition and cash flows.

Revenue from Contracts with Customers

In May 2014, the FASB issued ASU 2014-09, "Revenue from Contracts with Customers." Under ASU 2014-09, companies will be required to recognize revenue to depict the transfer of control for goods or services to customers in amounts that reflect the consideration (that is, payment) to which the company expects to be entitled in exchange for those goods or services. The new standard also will result in enhanced disclosures about revenue, provide guidance for transactions that were not previously addressed comprehensively (for example, service revenue and contract modifications) and modify guidance for multiple-element arrangements. In August 2015, the FASB issued ASU 2015-14, which deferred by one year the effective date of ASU 2014-09. The one year deferral of the effective date of this standard changed the effective date for the Company to January 1, 2018. Early adoption is permitted, but not before the original effective date. During March 2016 the FASB issued ASU 2016-08, "Principal versus Agent Considerations (Reporting Revenue Gross versus Net)." The amendments in this update clarify the implementation guidance on principal versus agent consideration. ASU 2016-10, "Revenue from Contracts with Customers: Identifying Performance Obligations and Licensing," was issued in April 2016 to clarify the identification of performance obligations and to provide additional implementation guidance related to revenue from licensing arrangements. In May 2016, the FASB issued ASU 2016-12, "Revenue from Contracts with Customers: Narrow-Scope Improvements and Practical Expedients," to clarify the collectibility criteria in the identification of a valid contract with a customer in step one of the revenue recognition process, among other clarifications. All of the above amendments to the guidance were issued with the same effective dates as ASU 2014-09. The Company is currently evaluating its arrangements with customers and revenue streams against the requirements of this standard and the expected effect this update may have on its results of operations, financial condition and cash flows.

Accounting for Fees Paid in a Cloud Computing Arrangement

In April 2015, the FASB issued ASU 2015-05, "Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40), Customer's Accounting for Fees Paid in a Cloud Computing Arrangement." This ASU amended guidance on internal use software to clarify how customers in cloud computing arrangements should determine whether the arrangement includes a software license. The new guidance specifies that these licenses should be accounted for as licenses of intangible assets. The guidance is effective for annual periods, including interim periods within those annual periods beginning after December 15, 2015. The Company adopted this guidance during the quarter ended March 31, 2016, and it did not have any material effect on its results of operations, financial condition and cash flows.

Amendments to the Consolidation Analysis

In February 2015, FASB issued ASU 2015-02, "Consolidation (topic 810): Amendments to the Consolidation Analysis." ASU 2015-02 focuses on the consolidation evaluation for reporting organizations (public and private companies) that are required to evaluate whether they should consolidate certain legal entities. The standard is effective for fiscal years beginning after December 15, 2015, and interim periods within those years. The Company adopted this standard during the quarter ended March 31, 2016 with no impact to its results of operations, financial condition and cash flows.

Earnings per share, policy

The Company computes earnings per share of its non-voting Class A Common Stock ("CRDA") and voting Class B Common Stock ("CRDB") using the two-class method, which allocates the undistributed earnings in each period to each class on a proportionate basis. The Company's Board of Directors has the right, but not the obligation, to declare higher dividends on the CRDA shares than on the CRDB shares, subject to certain limitations. In periods when the dividend is the same for CRDA and CRDB or when no dividends are declared or paid to either class, the two-class method generally will yield the same earnings per share for CRDA and CRDB. During the first two quarters of 2016 and 2015 the Board of Directors declared a higher dividend on CRDA than on CRDB.

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Defined Benefit Pension Plans (Tables)

6 Months Ended

Jun. 30, 2016

Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]

Schedule of defined benefit plans disclosures

Net periodic benefit cost related to all of the Company's defined benefit pension plans recognized in the Company's unaudited Condensed Consolidated Statements of Operations for the three months and six months ended June 30, 2016 and 2015 included the following components:

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Service cost	$	368		$	671		$	658		$	1,432
Interest cost	8,664			8,045			16,572			16,272
Expected return on assets	(10,938		)	(10,323		)	(20,758		)	(20,824		)
Amortization of actuarial loss	3,541			2,952			6,818			6,264
Net periodic benefit cost	$	1,635		$	1,345		$	3,290		$	3,144

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Tables)

6 Months Ended

Jun. 30, 2016

Earnings Per Share [Abstract]

Schedule of earnings per share, basic

The computations of basic net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - basic:
Numerator:
Allocation of undistributed earnings	$	2,904	$	2,334	$	371	$	299	$	5,811	$	4,683	$	156	$	127
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, basic	$	5,059	$	3,568	$	2,520	$	1,534	$	10,105	$	7,152	$	4,444	$	2,596
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Earnings per share - basic	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.15	$	0.11

Schedule of earnings per share, diluted

The computations of diluted net income attributable to shareholders of Crawford & Company per common share were as follows:

	Three months ended								Six months ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
(in thousands, except per share amounts)	CRDA		CRDB		CRDA		CRDB		CRDA		CRDB		CRDA		CRDB
Earnings per share - diluted:
Numerator:
Allocation of undistributed earnings	$	2,926	$	2,312	$	374	$	296	$	5,844	$	4,650	$	157	$	126
Dividends paid	2,155		1,234		2,149		1,235		4,294		2,469		4,288		2,469
Net income attributable to common shareholders, diluted	$	5,081	$	3,546	$	2,523	$	1,531	$	10,138	$	7,119	$	4,445	$	2,595
Denominator:
Weighted-average common shares outstanding, basic	30,725		24,690		30,673		24,690		30,635		24,690		30,597		24,690
Weighted-average effect of dilutive securities	528		—		464		—		396		—		482		—
Weighted-average common shares outstanding, diluted	31,253		24,690		31,137		24,690		31,031		24,690		31,079		24,690
Earnings per share - diluted	$	0.16	$	0.14	$	0.08	$	0.06	$	0.33	$	0.29	$	0.14	$	0.11

Schedule of antidilutive securities excluded from computation of earnings per share

Listed below are the shares excluded from the denominator in the above computation of diluted earnings per share for CRDA because their inclusion would have been antidilutive:

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
Shares underlying stock options excluded due to the options' respective exercise prices being greater than the average stock price during the period	—	15	74	15
Performance stock grants excluded because performance conditions have not been met (1)	1,000	2,094	1,000	2,094

________________________________________________

⁽¹⁾  Compensation cost is recognized for these performance stock grants based on expected achievement rates; however, no consideration is given to these performance stock grants when calculating earnings per share until the performance measurements have been achieved. The performance measurements for approximately 574,000 outstanding performance stock grants as of June 30, 2016 are expected to be achieved by December 31, 2016.

Schedule of shares issued under stock plans used in weighted average calc

The following table details shares issued during the three months and six months ended June 30, 2016 and June 30, 2015. These shares are included from their dates of issuance in the weighted-average common shares used to compute basic earnings per share for CRDA in the table above. There were no shares of CRDB issued during any of these periods.

	Three months ended		Six months ended
(in thousands)	June 30, 2016	June 30, 2015	June 30, 2016	June 30, 2015
CRDA issued under non-employee director stock plan	113	7	119	55
CRDA issued under the U.K. ShareSave Scheme	134	96	141	96
CRDA issued under the Executive Stock Bonus Plan	3	70	4	74

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Accumulated Other Comprehensive Loss (Tables)

6 Months Ended

Jun. 30, 2016

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Schedule of accumulated other comprehensive income (loss)

The changes in components of "Accumulated other comprehensive loss" ("AOCL"), net of taxes and noncontrolling interests, included in the Company's unaudited condensed consolidated financial statements were as follows:

	Three months ended June 30, 2016									Six months ended June 30, 2016
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(26,150	)	$	(196,143	)	$	(222,293	)	$	(24,347	)	$	(198,284	)	$	(222,631	)
Other comprehensive income before reclassifications	6,333			—			6,333			4,530			—			4,530
Amounts reclassified from accumulated other comprehensive income	—			2,141			2,141			—			4,282			4,282
Net current period other comprehensive income	6,333			2,141			8,474			4,530			4,282			8,812
Ending balance	$	(19,817	)	$	(194,002	)	$	(213,819	)	$	(19,817	)	$	(194,002	)	$	(213,819	)

	Three months ended June 30, 2015									Six months ended June 30, 2015
(in thousands)	Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company			Foreign currency translation adjustments			Retirement liabilities (1)			AOCL attributable to shareholders of Crawford & Company
Beginning balance	$	(14,869	)	$	(214,534	)	$	(229,403	)	(4,659		)	(217,299		)	$	(221,958	)
Other comprehensive loss before reclassifications	(319		)	—			(319		)	(10,529		)	—			(10,529		)
Amounts reclassified from accumulated other comprehensive income	—			2,036			2,036			—			4,801			4,801
Net current period other comprehensive (loss) income	(319		)	2,036			1,717			(10,529		)	4,801			(5,728		)
Ending balance	$	(15,188	)	$	(212,498	)	$	(227,686	)	$	(15,188	)	$	(212,498	)	$	(227,686	)

________________________________________________

⁽¹⁾  Retirement liabilities reclassified to net income are related to the amortization of actuarial losses and are included in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations. See Note 6, "Defined Benefit Pension Plans" for additional details.

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Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2016

Fair Value Disclosures [Abstract]

Schedule of fair value, assets and liabilities measured on recurring basis

The following table presents the Company's assets and liabilities that are measured at fair value on a recurring basis and that are categorized using the fair value hierarchy:

			Fair Value Measurements at June 30, 2016
					Significant Other		Significant
			Quoted Prices in		Observable		Unobservable
			Active Markets		Inputs		Inputs
(in thousands)	Total		(Level 1)		(Level 2)		(Level 3)
Assets:
Money market funds (1)	$	10,032	$	10,032	$	—	$	—
Derivative not designated as hedging instrument:
Cross currency basis swap (2)	4,694		—		4,694		—
Liabilities:
Contingent earnout liability (3)	1,889		—		—		1,889

________________________________________________

⁽¹⁾  The fair values of the money market funds were based on recently quoted market prices and reported transactions in an active marketplace. Money market funds are included in the Company's unaudited Condensed Consolidated Balance Sheets as "Cash and cash equivalents."

⁽²⁾  The fair value of the cross currency basis swap was derived from a discounted cash flow analysis based on the terms of the swap and the forward curves for foreign currency rates and interest rates adjusted for the counterparty's credit risk. The fair value of the cross currency basis swap is included in "Other noncurrent assets" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the cross currency basis swap.

⁽³⁾  The fair value of the contingent earnout liability for the 2014 acquisition of Buckley Scott Holdings Limited ("Buckley Scott") was estimated using an internally-prepared probability-weighted discounted cash flow analysis. The fair value analysis relied upon both Level 2 data (publicly observable data such as market interest rates and capital structures of peer companies) and Level 3 data (internal data such as the Company's operating projections). As such, the liability is a Level 3 fair value measurement. The valuation is sensitive to Level 3 data, with a maximum possible earnout of $1,993,000 at June 30, 2016. As such, the fair value is not expected to vary materially from the balance recorded. The fair value of the contingent earnout liability is included in "Other accrued liabilities" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the contingent earnout agreement. The fair value of the earnout was $1,921,000, with a maximum possible earnout of $2,027,000, at December 31, 2015. The change in the Level 3 fair value at June 30, 2016 was due to foreign currency translation adjustments and imputed interest.

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Segment Information (Tables)

6 Months Ended

Jun. 30, 2016

Segment Reporting [Abstract]

Reconciliation of operating profit from segments to consolidated

Financial information for the three months and six months ended June 30, 2016 and 2015 related to the Company's reportable segments, including a reconciliation from segment operating earnings to income before income taxes, the most directly comparable GAAP financial measure, is presented below.

	Three months ended						Six months ended
(in thousands)	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
Revenues:
U.S. Services	$	58,839		$	66,898		$	117,343		$	123,603
International	123,235			129,483			240,757			253,508
Broadspire	75,099			73,693			151,299			143,365
Garden City Group	25,170			34,324			50,178			71,699
Total segment revenues before reimbursements	282,343			304,398			559,577			592,175
Reimbursements	15,326			20,018			29,000			38,857
Total revenues	$	297,669		$	324,416		$	588,577		$	631,032
Segment Operating Earnings:
U.S. Services	$	9,579		$	9,835		$	18,633		$	13,996
International	10,973			1,167			18,007			3,510
Broadspire	6,529			6,003			15,234			9,546
Garden City Group	2,691			3,721			4,186			8,672
Total segment operating earnings	29,772			20,726			56,060			35,724
Deduct:
Unallocated corporate and shared costs, net	(5,889		)	(3,043		)	(10,507		)	(7,345		)
Net corporate interest expense	(2,523		)	(2,042		)	(5,291		)	(3,906		)
Stock option expense	(137		)	(178		)	(227		)	(327		)
Amortization of customer-relationship intangible assets	(2,420		)	(2,334		)	(4,879		)	(4,432		)
Restructuring and special charges	(3,526		)	(4,242		)	(5,943		)	(5,305		)
Income before income taxes	$	15,277		$	8,887		$	29,213		$	14,409

Schedule of revenues by major service line

Revenues before reimbursements by major service line in the U.S. Services segment and the Broadspire segment are shown in the following table. It is not practicable to provide revenues by service line for the International segment. The Company considers all Garden City Group revenues to be derived from one service line.

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
U.S. Services
U.S. Claims Field Operations	$	20,145	$	21,845	$	40,609	$	43,696
U.S. Technical Services	7,204		7,431		13,930		14,086
U.S. Catastrophe Services	11,423		21,491		25,955		36,969
Subtotal U.S. Claims Services	38,772		50,767		80,494		94,751
U.S. Contractor Connection	20,067		16,131		36,849		28,852
Total Revenues before Reimbursements--U.S. Services	$	58,839	$	66,898	$	117,343	$	123,603
Broadspire
Workers' Compensation, Disability and Liability Claims Management	$	31,670	$	30,352	$	63,882	$	59,537
Medical Management Services	39,923		39,678		80,284		76,318
Risk Management Information Services	3,506		3,663		7,133		7,510
Total Revenues before Reimbursements--Broadspire	$	75,099	$	73,693	$	151,299	$	143,365

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Restructuring and Special Charges (Tables)

6 Months Ended

Jun. 30, 2016

Restructuring and Related Activities [Abstract]

Restructuring and related costs

The following table shows the costs incurred by type of restructuring activity:

	Three months ended				Six months ended
(in thousands)	June 30, 2016		June 30, 2015		June 30, 2016		June 30, 2015
Implementation and phase-in of the Centers	$	1,973	$	1,196	$	2,402	$	2,259
Asset impairments and lease termination costs	337		—		1,165		—
Integration costs related to the GAB Robins acquisition and International segment restructuring	716		1,938		1,603		1,938
Restructuring activities for U.S. Services segment	—		1,108		—		1,108
Total restructuring charges	$	3,026	$	4,242	$	5,170	$	5,305

As of June 30, 2016, the following liabilities remained on the Company's unaudited Condensed Consolidated Balance Sheets related to restructuring charges recorded in 2012, 2015, and 2016. The rollforward of these costs to June 30, 2016 were as follows:

	Three months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, March 31, 2016	$	3,355		$	2,256		$	405		$	3,209		$	9,225
Additions	396			1,757			933			(60		)	3,026
Adjustments to accruals	(326		)	—			—			—			(326		)
Cash payments	(44		)	(447		)	(533		)	—			(1,024		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

	Six months ended June 30, 2016
(in thousands)	Deferred rent			Accrued compensation and related costs			Accounts payable			Other accrued liabilities			Total
Beginning balance, January 1, 2016	$	3,571		$	7,006		$	1,066		$	3,257		$	14,900
Additions	1,271			2,369			1,638			(108		)	5,170
Adjustments to accruals	(542		)	—			—			—			(542		)
Cash payments	(919		)	(5,809		)	(1,899		)	—			(8,627		)
Ending balance, June 30, 2016	$	3,381		$	3,566		$	805		$	3,149		$	10,901

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Basis of Presentation (Details) - Primary beneficiary - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Variable Interest Entity
Liabilities of the deferred compensation plan	$ 9,460	$ 9,861
Assets held in the related rabbi trust	$ 16,061	$ 15,881

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Basis of Presentation (Acquisition) (Details) - Lloyd Warwick International - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Business Acquisitions
Ownership percentage (percent)	51.00%
Variable interest entity, reporting entity involvement, maximum loss exposure, amount	$ 10,000
Asset carrying amount	9,411	$ 8,831
Liability carrying amount	11,711	11,841
Loan from parent
Business Acquisitions
Liability carrying amount	$ 10,089	$ 10,214

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Business Acquisitions (Details) - USD ($) $ in Thousands			3 Months Ended	6 Months Ended	12 Months Ended
	Dec. 15, 2015	Dec. 01, 2014	Jun. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
GAB Robins
Business Acquisitions
Business acquisition, percentage of voting interests acquired		100.00%
Payments to acquire businesses, preliminary gross		$ 71,812
Business combination, provisional information, initial accounting incomplete, adjustment, consideration transferred					$ 2,182
Payments to acquire businesses, gross					$ 73,994
Business combination, indemnification assets, amount as of acquisition date		$ 6,329
Business combination, indemnification period		2 years
Business combination, preacquisition contingency, amounts released from escrow			$ 1,600	$ 1,600
Amortization of intangible assets			858	1,754
GAB Robins | Customer relationships
Business Acquisitions
Business combination, intangible assets			$ 38,210	$ 38,210
Finite-lived intangible asset, useful life				14 years
GAB Robins | Intangible assets not including customer relationships | Minimum
Business Acquisitions
Finite-lived intangible asset, useful life				2 years
GAB Robins | Intangible assets not including customer relationships | Maximum
Business Acquisitions
Finite-lived intangible asset, useful life				5 years
GAB Robins Aviation Limited
Business Acquisitions
Business acquisition, percentage of voting interests acquired	36.00%	59.00%	95.00%	95.00%
Payments to acquire businesses, gross	$ 3,672

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Derivative Instruments (Details)	1 Months Ended
	Feb. 28, 2011 CAD	Feb. 28, 2011 USD ($)	Jun. 30, 2016 USD ($)
Derivative
Additional collateral, aggregate fair value | $			$ 0
Not designated as hedging instrument | Currency swap
Derivative
Notional amount of derivative | CAD	CAD 34,749,000
Periodic payment on derivative instrument | CAD	CAD 589,000
Periodic receivable on derivative instrument | $		$ 593,000

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Income Taxes (Details)	12 Months Ended
	Dec. 31, 2016
Scenario, forecast
Effective income tax rate reconciliation, percent	38.00%

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Defined Benefit Pension Plans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]
Service cost	$ 368	$ 671	$ 658	$ 1,432
Interest cost	8,664	8,045	16,572	16,272
Expected return on assets	(10,938)	(10,323)	(20,758)	(20,824)
Amortization of actuarial loss	3,541	2,952	6,818	6,264
Net periodic benefit cost	$ 1,635	$ 1,345	$ 3,290	$ 3,144

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Defined Benefit Pension Plans (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
U.S. pension plans
Defined Benefit Plan Disclosure
Contributions by employer	$ 6,000	$ 6,000
Estimated future employer contributions	3,000
U.K. pension plans
Defined Benefit Plan Disclosure
Contributions by employer	3,072	$ 3,303
Estimated future employer contributions	$ 3,200

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Schedule of Earnings Per Share, Basic) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Common Class A
Numerator:
Allocation of undistributed earnings	$ 2,904	$ 371	$ 5,811	$ 156
Dividends paid	2,155	2,149	4,294	4,288
Net income attributable to common shareholders, basic	$ 5,059	$ 2,520	$ 10,105	$ 4,444
Denominator:
Weighted-average common shares outstanding, basic (shares)	30,725	30,673	30,635	30,597
Earnings per share - basic (usd per share)	$ 0.16	$ 0.08	$ 0.33	$ 0.15
Common Class B
Numerator:
Allocation of undistributed earnings	$ 2,334	$ 299	$ 4,683	$ 127
Dividends paid	1,234	1,235	2,469	2,469
Net income attributable to common shareholders, basic	$ 3,568	$ 1,534	$ 7,152	$ 2,596
Denominator:
Weighted-average common shares outstanding, basic (shares)	24,690	24,690	24,690	24,690
Earnings per share - basic (usd per share)	$ 0.14	$ 0.06	$ 0.29	$ 0.11

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Schedule of Earnings Per Share, Diluted) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Common Class A
Numerator:
Allocation of undistributed earnings	$ 2,926	$ 374	$ 5,844	$ 157
Dividends paid	2,155	2,149	4,294	4,288
Net income attributable to common shareholders, diluted	$ 5,081	$ 2,523	$ 10,138	$ 4,445
Denominator:
Weighted-average common shares outstanding, basic (shares)	30,725	30,673	30,635	30,597
Weighted-average number of dilutive securities (shares)	528	464	396	482
Weighted-average common shares outstanding, diluted (shares)	31,253	31,137	31,031	31,079
Earnings per share - diluted (usd per share)	$ 0.16	$ 0.08	$ 0.33	$ 0.14
Common Class B
Numerator:
Allocation of undistributed earnings	$ 2,312	$ 296	$ 4,650	$ 126
Dividends paid	1,234	1,235	2,469	2,469
Net income attributable to common shareholders, diluted	$ 3,546	$ 1,531	$ 7,119	$ 2,595
Denominator:
Weighted-average common shares outstanding, basic (shares)	24,690	24,690	24,690	24,690
Weighted-average number of dilutive securities (shares)	0	0	0	0
Weighted-average common shares outstanding, diluted (shares)	24,690	24,690	24,690	24,690
Earnings per share - diluted (usd per share)	$ 0.14	$ 0.06	$ 0.29	$ 0.11

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Antidilutive Securities) (Details) - shares shares in Thousands		3 Months Ended		6 Months Ended		12 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2016
Shares underlying stock options excluded due to the options' respective exercise prices being greater than the average stock price during the period
Antidilutive Securities Excluded from Computation of (Loss) Earnings Per Share
Shares excluded from diluted earnings per share (shares)		0	15	74	15
Performance stock grants excluded because performance conditions had not been met
Antidilutive Securities Excluded from Computation of (Loss) Earnings Per Share
Shares excluded from diluted earnings per share (shares)	[1]	1,000	2,094	1,000	2,094
Scenario, forecast | Performance stock grants excluded because performance conditions had not been met
Antidilutive Securities Excluded from Computation of (Loss) Earnings Per Share
Shares excluded from diluted earnings per share (shares)	[1]					574

[1] Compensation cost is recognized for these performance stock grants based on expected achievement rates; however, no consideration is given to these performance stock grants when calculating earnings per share until the performance measurements have been achieved. The performance measurements for approximately 574,000 outstanding performance stock grants as of June 30, 2016 are expected to be achieved by December 31, 2016.

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Weighted Average Shares Issued) (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Common Class A | CRDA issued under non-employee director stock plan
Share-based Compensation Arrangement
Stock issued during period (shares)	113,000	7,000	119,000	55,000
Common Class A | CRDA issued under the U.K. ShareSave Scheme
Share-based Compensation Arrangement
Stock issued during period (shares)	134,000	96,000	141,000	96,000
Common Class A | CRDA issued under the Executive Stock Bonus Plan
Share-based Compensation Arrangement
Stock issued during period (shares)	3,000	70,000	4,000	74,000
Common Class B
Share-based Compensation Arrangement
Stock issued during period (shares)	0	0	0	0

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Net Income Attributable to Shareholders of Crawford & Company per Common Share (Narrative) (Details) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Aug. 31, 2014
Common Class A
Equity, Class of Treasury Stock
Shares repurchased (shares)	0	0	0	17,700
Average cost (usd per share)		$ 0.00		$ 7.79
Common Class B
Equity, Class of Treasury Stock
Shares repurchased (shares)	0	0	0	0
Repurchase Authorization 2014 | Common Stock
Equity, Class of Treasury Stock
Number of shares authorized to be repurchased (shares)					2,000,000

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Accumulated Other Comprehensive Loss (Rollforward of Accumulated Other Comprehensive Loss) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016		Jun. 30, 2015
Changes in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance		$ (222,293)	$ (229,403)	$ (222,631)	[1]	$ (221,958)
Other comprehensive income (loss) before reclassifications		6,333	(319)	4,530		(10,529)
Amounts reclassified from accumulated other comprehensive income		2,141	2,036	4,282		4,801
Net current period other comprehensive income (loss)		8,474	1,717	8,812		(5,728)
Ending balance		(213,819)	(227,686)	(213,819)		(227,686)
Foreign currency translation adjustments
Changes in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance		(26,150)	(14,869)	(24,347)		(4,659)
Other comprehensive income (loss) before reclassifications		6,333	(319)	4,530		(10,529)
Amounts reclassified from accumulated other comprehensive income		0	0	0		0
Net current period other comprehensive income (loss)		6,333	(319)	4,530		(10,529)
Ending balance		(19,817)	(15,188)	(19,817)		(15,188)
Retirement liabilities
Changes in Accumulated Other Comprehensive Loss [Roll Forward]
Beginning balance	[2]	(196,143)	(214,534)	(198,284)		(217,299)
Other comprehensive income (loss) before reclassifications	[2]	0	0	0		0
Amounts reclassified from accumulated other comprehensive income	[2]	2,141	2,036	4,282		4,801
Net current period other comprehensive income (loss)	[2]	2,141	2,036	4,282		4,801
Ending balance	[2]	$ (194,002)	$ (212,498)	$ (194,002)		$ (212,498)

[1] Derived from the audited Consolidated Balance Sheet

[2] Retirement liabilities reclassified to net income are related to the amortization of actuarial losses and are included in "Selling, general, and administrative expenses" in the Company's unaudited Condensed Consolidated Statements of Operations. See Note 6, "Defined Benefit Pension Plans" for additional details.

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Fair Value Measurements (Details) - USD ($) $ in Thousands		3 Months Ended
		Jun. 30, 2016	Dec. 31, 2015
Liabilities:
Debt instrument, variable interest rate duration between resets		90 days
Buckley Scott
Liabilities:
Maximum contingent consideration liability		$ 1,993	$ 2,027
Cash and cash equivalents | Measured on a recurring basis
Assets:
Money market funds	[1]	10,032
Cash and cash equivalents | Level 1 | Measured on a recurring basis
Assets:
Money market funds	[1]	10,032
Other noncurrent assets | Measured on a recurring basis | Currency swap
Assets:
Derivative instruments not designated as hedging instruments, cross currency basis swap	[2]	4,694
Other noncurrent assets | Level 2 | Measured on a recurring basis | Currency swap
Assets:
Derivative instruments not designated as hedging instruments, cross currency basis swap	[2]	4,694
Other noncurrent liabilities | Measured on a recurring basis
Liabilities:
Contingent earnout liability	[3]	1,889
Other noncurrent liabilities | Level 3 | Measured on a recurring basis
Liabilities:
Contingent earnout liability	[3]	$ 1,889	$ 1,921

[1] The fair values of the money market funds were based on recently quoted market prices and reported transactions in an active marketplace. Money market funds are included in the Company's unaudited Condensed Consolidated Balance Sheets as "Cash and cash equivalents."

[2] The fair value of the cross currency basis swap was derived from a discounted cash flow analysis based on the terms of the swap and the forward curves for foreign currency rates and interest rates adjusted for the counterparty's credit risk. The fair value of the cross currency basis swap is included in "Other noncurrent assets" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the cross currency basis swap.

[3] The fair value of the contingent earnout liability for the 2014 acquisition of Buckley Scott Holdings Limited ("Buckley Scott") was estimated using an internally-prepared probability-weighted discounted cash flow analysis. The fair value analysis relied upon both Level 2 data (publicly observable data such as market interest rates and capital structures of peer companies) and Level 3 data (internal data such as the Company's operating projections). As such, the liability is a Level 3 fair value measurement. The valuation is sensitive to Level 3 data, with a maximum possible earnout of $1,993,000 at June 30, 2016. As such, the fair value is not expected to vary materially from the balance recorded. The fair value of the contingent earnout liability is included in "Other accrued liabilities" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the contingent earnout agreement. The fair value of the earnout was $1,921,000, with a maximum possible earnout of $2,027,000, at December 31, 2015. The change in the Level 3 fair value at June 30, 2016 was due to foreign currency translation adjustments and imputed interest.

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Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016 USD ($)	Jun. 30, 2015 USD ($)	Jun. 30, 2016 USD ($) segment	Jun. 30, 2015 USD ($)
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	$ 282,343	$ 304,398	$ 559,577	$ 592,175
Reimbursements	15,326	20,018	29,000	38,857
Total revenues	297,669	324,416	588,577	631,032
Net corporate interest expense	(2,523)	(2,042)	(5,291)	(3,906)
Restructuring and special charges	(3,526)	(4,242)	(5,943)	(5,305)
Income before income taxes	15,277	8,887	$ 29,213	14,409
Number of operating segments (segments) | segment			4
Operating Segments
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Total segment operating earnings	29,772	20,726	$ 56,060	35,724
Corporate, Non-Segment
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Unallocated corporate and shared costs, net	(5,889)	(3,043)	(10,507)	(7,345)
Net corporate interest expense	(2,523)	(2,042)	(5,291)	(3,906)
Stock option expense	(137)	(178)	(227)	(327)
Restructuring and special charges	(3,526)	(4,242)	(5,943)	(5,305)
Corporate, Non-Segment | Customer relationships and trade names
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Amortization of customer-relationship intangible assets	(2,420)	(2,334)	(4,879)	(4,432)
U.S. Services
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	58,839	66,898	117,343	123,603
U.S. Services | Operating Segments
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	58,839	66,898	117,343	123,603
Total segment operating earnings	9,579	9,835	18,633	13,996
International | Operating Segments
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	123,235	129,483	240,757	253,508
Total segment operating earnings	10,973	1,167	18,007	3,510
Broadspire
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	75,099	73,693	151,299	143,365
Broadspire | Operating Segments
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	75,099	73,693	151,299	143,365
Total segment operating earnings	6,529	6,003	15,234	9,546
Garden City Group | Operating Segments
Segment Reporting, Reconciling Item for Operating Profit from Segment to Consolidated
Revenues	25,170	34,324	50,178	71,699
Total segment operating earnings	$ 2,691	$ 3,721	$ 4,186	$ 8,672

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Segment Information (Revenues By Major Service Line) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Revenue from External Customer
Revenues before reimbursements	$ 282,343	$ 304,398	$ 559,577	$ 592,175
U.S. Services
Revenue from External Customer
Revenues before reimbursements	58,839	66,898	117,343	123,603
Broadspire
Revenue from External Customer
Revenues before reimbursements	75,099	73,693	151,299	143,365
U.S. Claims Field Operations | U.S. Services
Revenue from External Customer
Revenues before reimbursements	20,145	21,845	40,609	43,696
U.S. Technical Services | U.S. Services
Revenue from External Customer
Revenues before reimbursements	7,204	7,431	13,930	14,086
U.S. Catastrophe Services | U.S. Services
Revenue from External Customer
Revenues before reimbursements	11,423	21,491	25,955	36,969
Subtotal U.S. Claims Services | U.S. Services
Revenue from External Customer
Revenues before reimbursements	38,772	50,767	80,494	94,751
U.S. Contractor Connection | U.S. Services
Revenue from External Customer
Revenues before reimbursements	20,067	16,131	36,849	28,852
Workers' Compensation, Disability and Liability Claims Management | Broadspire
Revenue from External Customer
Revenues before reimbursements	31,670	30,352	63,882	59,537
Medical Management Services | Broadspire
Revenue from External Customer
Revenues before reimbursements	39,923	39,678	80,284	76,318
Risk Management Information Services | Broadspire
Revenue from External Customer
Revenues before reimbursements	$ 3,506	$ 3,663	$ 7,133	$ 7,510

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Commitments and Contingencies (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2014	Jun. 30, 2016	Dec. 31, 2015
Loss Contingencies
Letters of credit outstanding amount			$ 17,103
Buckley Scott
Loss Contingencies
Period of contingent earnout provision		2 years
Business combination, contingent consideration, liability	[1]		1,889
Maximum contingent consideration liability			$ 1,993	$ 2,027

[1] The fair value of the contingent earnout liability for the 2014 acquisition of Buckley Scott Holdings Limited ("Buckley Scott") was estimated using an internally-prepared probability-weighted discounted cash flow analysis. The fair value analysis relied upon both Level 2 data (publicly observable data such as market interest rates and capital structures of peer companies) and Level 3 data (internal data such as the Company's operating projections). As such, the liability is a Level 3 fair value measurement. The valuation is sensitive to Level 3 data, with a maximum possible earnout of $1,993,000 at June 30, 2016. As such, the fair value is not expected to vary materially from the balance recorded. The fair value of the contingent earnout liability is included in "Other accrued liabilities" on the Company's unaudited Condensed Consolidated Balance Sheets, based upon the term of the contingent earnout agreement. The fair value of the earnout was $1,921,000, with a maximum possible earnout of $2,027,000, at December 31, 2015. The change in the Level 3 fair value at June 30, 2016 was due to foreign currency translation adjustments and imputed interest.

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Restructuring and Special Charges (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Restructuring and Special Charges
Restructuring charges	$ 3,026,000	$ 4,242,000	$ 5,170,000	$ 5,305,000
Restructuring and special charges	3,526,000	4,242,000	5,943,000	5,305,000
Other accrued liabilities
Restructuring and Special Charges
Restructuring charges	(60,000)		(108,000)
Pending litigation | Other accrued liabilities
Restructuring and Special Charges
Loss contingency, accrual, current	56,000		56,000
Implementation and phase-in of the Centers
Restructuring and Special Charges
Restructuring charges	1,973,000	1,196,000	2,402,000	2,259,000
Asset impairments and lease termination costs
Restructuring and Special Charges
Restructuring charges	337,000	0	1,165,000	0
Integration costs related to the GAB Robins acquisition and International segment restructuring
Restructuring and Special Charges
Restructuring charges	716,000	1,938,000	1,603,000	1,938,000
Restructuring activities for U.S. Services segment
Restructuring and Special Charges
Restructuring charges		1,108,000	0	1,108,000
Restructuring activities for U.S. Services segment
Restructuring and Special Charges
Restructuring charges	0
Special charges | Pending litigation
Restructuring and Special Charges
Legal fees	$ 500,000	$ 0	$ 773,000	$ 0

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Restructuring and Special Charges (Rollforward of accrued liabilities) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Restructuring Reserve [Roll Forward]
Beginning balance	$ 9,225		$ 14,900
Additions	3,026	$ 4,242	5,170	$ 5,305
Adjustments to accruals	(326)		(542)
Cash payments	(1,024)		(8,627)
Ending balance	10,901		10,901
Deferred rent
Restructuring Reserve [Roll Forward]
Beginning balance	3,355		3,571
Additions	396		1,271
Adjustments to accruals	(326)		(542)
Cash payments	(44)		(919)
Ending balance	3,381		3,381
Accrued compensation and related costs
Restructuring Reserve [Roll Forward]
Beginning balance	2,256		7,006
Additions	1,757		2,369
Adjustments to accruals	0		0
Cash payments	(447)		(5,809)
Ending balance	3,566		3,566
Accounts payable
Restructuring Reserve [Roll Forward]
Beginning balance	405		1,066
Additions	933		1,638
Adjustments to accruals	0		0
Cash payments	(533)		(1,899)
Ending balance	805		805
Other accrued liabilities
Restructuring Reserve [Roll Forward]
Beginning balance	3,209		3,257
Additions	(60)		(108)
Adjustments to accruals	0		0
Cash payments	0		0
Ending balance	$ 3,149		$ 3,149