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                                                                  EXHIBIT 10.11


                               CRAWFORD & COMPANY

                        1996 INCENTIVE COMPENSATION PLAN
                     (as Amended through February 2, 1999)

Crawford & Company hereby establishes the Crawford & Company 1996 Incentive
Compensation Plan, effective as of January 1, 1996, to provide to the officers
and key employees of Crawford & Company additional cash incentive compensation
which is tied to the attainment of targeted increases in adjusted revenues and
adjusted pre-tax income of Crawford & Company on a consolidated basis.


I.       DEFINITIONS

The capitalized terms used in the Plan shall have the following meanings:


1.1      Actual Earnings shall mean the reported Earnings of the Company for
         the period with respect to which the Incentive Compensation Pool is
         determined.

1.2      Actual Earnings Percentage shall mean the percentage computed by
         multiplying (i) the Target Earnings Percentage by (ii) a fraction
         (which may not be larger than one) the numerator of which is Covered
         Earnings and the denominator of which is the difference between (A)
         the Target Earnings and (B) the Threshold Earnings.

1.3      Actual Revenues shall mean the reported Revenues of the Company for
         the period with respect to which the Incentive Compensation Pool is
         determined.

1.4      Chief Executive Officer shall mean the Chief Executive Officer of the
         Company.

1.5      Committee shall mean the Senior Compensation and Stock Option
         Committee of the Board of Directors of the Company.

1.6      Company shall mean Crawford & Company.

1.7      Covered Earnings shall mean the difference between (i) the Actual
         Earnings and (ii) the Threshold Earnings (but not less than zero).

1.8      Covered Salaries shall mean the base salaries of the Participants.

1.9      Earnings shall mean the reported pre-tax income of the Company, on a
         consolidated basis, adjusted to eliminate the effect, if any, of the
         cumulative effects of changes in accounting principles and any
         significant gains or losses resulting from the disposition of any
         major assets of the Company, such as the sale of land, the sale and
         leaseback of buildings, or the sale or other disposition of a
         subsidiary or portion of the Company's operations.

1.10     Incentive Compensation Pool shall mean the sum of (1) the Incentive
         Compensation Pool--Sales and Account Management; plus (2) the
         Incentive Compensation Pool--Other Officers and Key Employees.

1.11     Incentive Compensation Pool--Other Officers and Key Employees shall
         mean the sum of (1) the amount computed by multiplying the lesser of
         Actual Earnings or Threshold Earnings by 1.5%; plus (2) the amount
         computed by multiplying (i) Actual Earnings by (ii) the Actual Earnings
         Percentage. In no event shall the Incentive Compensation Pool--Other
         Officers and Key Employees exceed 100% of the Covered Salaries of its
         Participants.

1.12     Incentive Compensation Pool--Sales and Account Management shall mean
         the greater of (1) the amount computed by multiplying the lesser of
         Actual Earnings or Threshold Earnings by .5%; or (2) the amount
         computed by multiplying the growth in Actual Revenues over Threshold
         Revenues by 1.5%, reduced by 10% for every 1% decline in the
         consolidated Pre-Tax Profit Margin of the Company on a pro rata basis.
         In no event shall the Incentive Compensation Pool--Sales and Account
         Management exceed 100% of the Covered Salaries of its Participants.


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1.13     Participant shall mean any officer (other than the Chief Executive
         Officer) or home office or regional employee of the Company or its
         domestic or foreign subsidiaries designated by the Chief Executive
         Officer to participate in the Incentive Compensation Pool--Sales and
         Account Management or the Incentive Compensation Pool--Other Officers
         and Key Employees.

1.14     Pre-Tax Profit Margin shall mean the percentage derived by dividing
         Earnings by Revenues, both adjusted to eliminate the effect, if any,
         of significant acquisitions made by the Company in the relevant
         period.

1.15     Revenues shall mean the reported revenues of the Company, on a
         consolidated basis, adjusted to eliminate the effect, if any, of
         significant acquisitions made by the Company in the period with
         respect to which the Incentive Compensation Pool is determined.

1.16     Target Earnings shall mean the Committee's determination of achievable
         earnings for the Company for the fiscal year.

1.17     Target Earnings Percentage shall mean 5.22%.

1.18     Threshold Earnings shall mean the Committee's determination of
         Earnings below which no amount will be added to the Incentive
         Compensation Pool for earnings growth.

1.19     Threshold Revenues shall mean the Committee's determination of
         achievable Revenues for the Company in the period with respect to
         which the Incentive Compensation Pool is determined.

1.20     Plan shall mean this Crawford & Company 1996 Incentive Compensation
         Plan.


II.      ESTABLISHMENT OF THRESHOLD REVENUES AND EARNINGS

As soon as possible following the availability of audited financial statements
of the Company for the immediately preceding fiscal year and the preparation of
operational budgets for the current fiscal year, the Committee shall meet to
establish the (i) Threshold Revenues, (ii) Threshold Earnings and (iii) Target
Earnings for the current fiscal year. Any adjustments to the audited revenues
and pre-tax income of the Company in the calculations of Revenues and Earnings
shall be approved by the Committee.


III.     ALLOCATION AND PAYMENT TO PARTICIPANTS

The Chief Executive Officer shall have total authority and discretion with
respect to the determination of amounts to be paid to the Participants in each
of the Incentive Compensation Pools under the provisions of this Plan. He may
delegate that responsibility and allocate amounts available for distribution to
the heads of the business units and support divisions of the Company. In the
event that an individual is no longer a Participant at the end of any period
with respect to which the Incentive Compensation Pool is determined by virtue
of his no longer being an employee of the Company or any of its domestic or
foreign subsidiaries on that date, such individual shall not be eligible for
any payments under this Plan, unless such individual's employment has been
terminated by reason of death, disability, or retirement. Nothing herein
contained shall be construed to require the Committee or the Chief Executive
Officer to authorize the allocation and payment of all or any amounts available
for distribution under the terms of this Plan. Amounts not distributed with
respect to any year shall not be carried over to subsequent fiscal years.
Payment to individual Participants shall be as soon as practical after the
close of the fiscal period, the availability of reported Revenues and Earnings
for that period, the calculation of the Incentive Compensation Pool for that
period by the Chief Financial Officer of the Company, and the approval of that
calculation by the Committee.


IV.      NO CONTRACT OF EMPLOYMENT

The establishment of this Plan shall not grant to any Participant the right to
remain an employee for any specific term of employment or in any specific
capacity or as a Participant or at any specific rate of compensation.


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V.       NO ALIENATION OR ASSIGNMENT

A Participant shall have no right or power to alienate, commute, anticipate or
otherwise assign at law or equity all or any portion of amounts which may be
payable to him hereunder and the Committee and the Chief Executive Officer
shall have the right, in light of any such action, to suspend temporarily or
terminate permanently the status of such an individual as a Participant under
this Plan.


VI.      ADMINISTRATION, AMENDMENT AND TERMINATION

The Committee shall have all powers necessary to administer this Plan in its
absolute discretion and its determination shall be binding on the Company and
the Participants. The Board of Directors of the Company and the Committee have
the right to amend or terminate this Plan at any time.


VII.     CONSTRUCTION


This Plan shall be construed in accordance with the laws of the State of
Georgia and the masculine shall include the feminine and the singular the
plural, where appropriate.


VII.     TERMINATION OF FORMER PLAN

The Annual Incentive Compensation Plan adopted effective January 1, 1993, is
hereby terminated.


IN WITNESS WHEREOF, Crawford & Company has caused its duly authorized officer
to execute the Plan this 30th day of January, 1996, to evidence the adoption of
this Plan.


CRAWFORD & COMPANY



/s/   F. L. MINIX
F. L. Minix, Chairman of the Board,
and Chief Executive Officer