# EDGAR Filing Document

**Accession Number:** 0000025475
**File Stem:** 0001104659-26-041532
**Filing Date:** 2026-4
**Character Count:** 186226
**Document Hash:** d26776e63e870468d51903a64b1784fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-041532.hdr.sgml**: 20260409

**ACCESSION NUMBER**: 0001104659-26-041532

**CONFORMED SUBMISSION TYPE**: DEF 14A

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20260514

**FILED AS OF DATE**: 20260409

**DATE AS OF CHANGE**: 20260409

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CRAWFORD & CO
- **CENTRAL INDEX KEY:** 0000025475
- **STANDARD INDUSTRIAL CLASSIFICATION:** INSURANCE AGENTS BROKERS & SERVICES [6411]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 580506554
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** DEF 14A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-10356
- **FILM NUMBER:** 26852007

**BUSINESS ADDRESS:**
- **STREET 1:** 5335 TRIANGLE PARKWAY
- **CITY:** PEACHTREE CORNERS
- **STATE:** GA
- **ZIP:** 30092
- **BUSINESS PHONE:** 4043001000

**MAIL ADDRESS:**
- **STREET 1:** 5335 TRIANGLE PARKWAY
- **CITY:** PEACHTREE CORNERS
- **STATE:** GA
- **ZIP:** 30092

?xml version='1.0' encoding='ASCII'? Crawford & Co

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**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**SCHEDULE 14A**

**(Rule 14a-101)**

**Proxy Statement Pursuant to Section 14(a) of the**

**Securities Exchange Act of 1934**

Filed by the Registrant ☒

Filed by a Party other than the Registrant ☐

Check the appropriate box:

☐ Preliminary Proxy Statement

☐ **Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))**

&nbsp;&nbsp;&nbsp;&nbsp;☒ Definitive Proxy Statement

☐ Definitive Additional Materials

☐ Soliciting Material Pursuant to §240.14a-12

**Crawford & Company**

(Name of Registrant as Specified in its Charter)

(Name of Person(s) Filing Proxy Statement, if other than the Registrant)

Payment of Filing Fee (Check the appropriate box):

&nbsp;&nbsp;&nbsp;&nbsp;☒ No fee required.

☐ Fee paid previously with preliminary materials:

☐ Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.

------

[**Table of Contents**](#TOC)

![Graphic](crda-20260514xdef14a_a001.jpg)

April 10, 2026

Dear Shareholders:

You are cordially invited to attend the Company's 2026 Annual Meeting of Shareholders, which will be held on Thursday, May 14, 2026, beginning at 8:30 a.m. Eastern Time at the Company's headquarters, 5335 Triangle Parkway, Peachtree Corners, Georgia 30092.

The Notice of Annual Meeting of Shareholders, Proxy Statement and form of Proxy are included with this letter and contain information about the Annual Meeting and the various matters on which you are being asked to vote. Only Shareholders of record of Class B Common Stock of the Company as of the close of business on March 17, 2026, are entitled to vote at the Annual Meeting, including any adjournment or postponement thereof. Shares of Class A Common Stock of the Company are not entitled to vote at the Annual Meeting.

As is our custom, a brief report will be made at the Annual Meeting on the Company's 2025 activities, 2026 activities to date, and the outlook for the remainder of 2026. We hope you will be able to attend the Annual Meeting.

**Whether or not you plan to attend, it is important that you sign and return your Proxy, or vote electronically by telephone or through the Internet, promptly, as your vote is important to the Company.**

On behalf of our Board of Directors, officers and employees, we wish to thank you for your continued interest in and support of Crawford & Company.

Sincerely,

![Graphic](crda-20260514xdef14a_a002.jpg)

W. Bruce Swain, Jr.

*President and Chief Executive Officer*

[**Table of Contents**](#TOC)

#### CRAWFORD & COMPANY
**5335 Triangle Parkway**

**Peachtree Corners, Georgia 30092**

#### NOTICE OF ANNUAL MEETING OF SHAREHOLDERS
**May 14, 2026**

NOTICE IS HEREBY GIVEN that the Annual Meeting of Shareholders of Crawford & Company (the "Company") will be held in person on Thursday, May 14, 2026, at 8:30 a.m. Eastern Time, for the following purposes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. To elect nine (9) directors to serve until the next annual meeting of shareholders and until their successors are elected and qualified;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. To approve an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. To ratify the appointment of KPMG LLP as the independent registered public accounting firm for the Company for the 2026 fiscal year; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. To transact any and all other such business as may properly come before the Annual Meeting, including any adjournment or postponement thereof.

Information relating to the above matters is set forth in the accompanying Proxy Statement dated April 10, 2026. Only Shareholders of record of Class B Common Stock of the Company as of the close of business on March 17, 2026 are entitled to vote at the Annual Meeting, including any adjournment or postponement thereof. Shares of Class A Common Stock of the Company are not entitled to vote at the Annual Meeting.

**IMPORTANT NOTICE REGARDING THE AVAILABILITY OF PROXY MATERIALS FOR THE ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 14, 2026:**

The proxy statement and our 2025 annual report are available at https://materials.proxyvote.com/224633.

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| |
|:---|
| By Order of The Board of Directors, |
| ![Graphic](crda-20260514xdef14a_a003.jpg) |
| Tami E. Stevenson, |
| *SVP, General Counsel and Corporate Secretary* |

---

Atlanta, Georgia

April 10, 2026

**It is important that your shares of Class B Common Stock be represented at the Annual Meeting whether or not you plan to attend. Accordingly, please complete and sign the enclosed Proxy and return it in the accompanying postage-paid envelope or vote your Proxy electronically by telephone or through the Internet as soon as possible. Signing and returning the Proxy, or submitting it electronically, will not affect your right to attend and vote in person at the Annual Meeting. If your shares are held in the name of a nominee or intermediary, please follow the instructions on the voting instruction card furnished by such record holder.**

**Proxies are being solicited with respect to shares of Class B Common Stock of the Company by the Board of Directors of the Company. Shares of Class A Common Stock of the Company are not entitled to vote at the Annual Meeting and, consequently, Proxies are not being solicited with respect to shares of Class A Common Stock of the Company.**

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#### CRAWFORD & COMPANY
**5335 Triangle Parkway**

**Peachtree Corners, Georgia 30092**

#### PROXY STATEMENT

#### 2026 PROXY STATEMENT

#### **TABLE OF CONTENTS**

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| | |
|:---|:---|
| [GENERAL INFORMATION AND FREQUENTLY ASKED QUESTIONS](#GENERALINFORMATIONANDFREQUENTLYASKED) | 1 |
| [PROPOSAL 1 – ELECTION OF DIRECTORS](#PROPOSA1) | 6 |
| [EXECUTIVE OFFICERS](#EXECUTIVEOFFICERS) | 10 |
| [CORPORATE GOVERNANCE](#CORPORATEGOVERNANCE) | 11 |
| [COMPENSATION DISCUSSION AND ANALYSIS](#COMPENSATIONDISCUSSIONANDANALYSIS) | 18 |
| [SUMMARY OF CASH AND CERTAIN OTHER COMPENSATION](#SUMMARYOFCASHANDCERTAINOTHERCOMPEN) | 29 |
| [EMPLOYMENT AND CHANGE IN CONTROL ARRANGEMENTS](#EMPLOYMENTANDCHANGEINCONTROLARRANGE) | 34 |
| [CEO PAY RATIO](#CEOPAYRATIO) | 38 |
| [PAY VERSUS PERFORMANCE DISCLOSURE TABLE](#PAYVERSUSPERFORMANCEDISCLOSURETABLE) | 39 |
| [REPORT OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS ON EXECUTIVE COMPENSATION](#REPORTOFTHECOMPENSATIONCOMMITTEEOF) | 43 |
| [STOCK OWNERSHIP INFORMATION](#STOCKOWNERSHIPINFORMATION) | 44 |
| [INFORMATION WITH RESPECT TO CERTAIN BUSINESS RELATIONSHIPS AND RELATED TRANSACTIONS](#INFORMATIONWITHRESPECTTOCERTAINBUSI) | 46 |
| [EQUITY COMPENSATION PLANS](#EQUITYCOMPENSATIONPLANS) | 46 |
| [SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE](#SECTION16aBENEFICIALOWNERSHIPREPOR) | 46 |
| [COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION](#COMPENSATIONCOMMITTEEINTERLOCKSANDIN) | 47 |
| [PROPOSAL 2 – APPROVAL OF AN AMENDMENT TO THE CRAWFORD & COMPANY 2016 OMNIBUS STOCK AND INCENTIVE PLAN](#PROPOSAL2ADVISORYVOTEONAPPROVALO) | 47 |
| [PROPOSAL 3 – RATIFICATION OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM](#PROPOSAL4RATIFICATIONOFINDEPENDENT) | 48 |
| [AUDIT COMMITTEE REPORT](#AUDITCOMMITTEEREPORT) | 50 |
| [SHAREHOLDER PROPOSALS](#SHAREHOLDERPROPOSALS) | 51 |
| [OTHER MATTERS](#OTHERMATTERS) | 51 |

---

i

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#### ANNUAL MEETING OF SHAREHOLDERS

#### TO BE HELD ON MAY 14, 2026

#### GENERAL INFORMATION AND FREQUENTLY ASKED QUESTIONS
The 2026 Annual Meeting of Shareholders of Crawford & Company, including any adjournment or postponement thereof (the "Annual Meeting"), will be held on, Thursday, May 14, 2026, beginning at 8:30 a.m. Eastern Time at the Company's headquarters, 5335 Triangle Parkway, Peachtree Corners, Georgia 30092.

The Board of Directors of the Company (the "Board of Directors" or the "Board") is furnishing this Proxy Statement and Proxy to solicit proxies on its behalf to vote at the Annual Meeting. You are receiving this Proxy Statement and the accompanying Proxy Card (or, if your shares are held in the name of a nominee or intermediary, a voting instruction card furnished by such record holder), or "Proxy", because you own shares of the Company's Class B Common Stock. A Proxy is a legal designation of another person to vote the stock that you own. That other person is called a "proxy". If you designate someone as your proxy in a written document, that document is also called a proxy, a proxy card or a form of proxy. If you sign and return the Proxy, you are appointing W.B. Swain, H.B. Boudreau and T.E. Stevenson as your representatives at the Annual Meeting. Mr. Swain, Ms. Boudreau and Ms. Stevenson will vote your shares of Class B Common Stock at the Annual Meeting as you instruct them on the Proxy.

All holders of the Company's Class B Common Stock as of the close of business on March 17, 2026, which we refer to as the "Record Date", are being furnished a copy of the Notice of Annual Meeting and this Proxy Statement. Only holders of the Company's Class B Common Stock are entitled to vote on the matters subject to a vote at the Annual Meeting. The Proxy Statement describes the matters which will be voted on at the Annual Meeting. It also gives you information so that you can make an informed voting decision on those matters.

This Proxy Statement and the accompanying form of Proxy are first being mailed or delivered electronically to Shareholders and made available on the Internet at https://materials.proxyvote.com/224633, on or about April 10, 2026. Our Annual Report to Shareholders, on Form 10-K for the fiscal year ended December 31, 2025, is also being delivered with this Proxy Statement and is being made available on the Internet at the web address above.

Signing and returning your Proxy will ensure your shares are voted at your direction whether or not you attend the Annual Meeting. Even if you plan to attend the Annual Meeting, we request that you complete, sign and return your Proxy, vote by telephone or vote over the Internet in advance of the Annual Meeting so that we can ensure we have enough votes to conduct business at the Annual Meeting.

#### On what items am I being asked to vote?
You are being asked to vote on three matters:

● the election of nine (9) directors;

● to approve an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan; and

● to ratify the appointment of KPMG LLP as our independent registered public accounting firm for our 2026 fiscal year.

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#### Who may vote at the Annual Meeting?
Only Shareholders of record of our Class B Common Stock on the Record Date are entitled to notice of, and to vote at, the Annual Meeting. If you are the owner of shares of Class B Common Stock held in "street name" through a broker, bank or other nominee, please refer to the information under "*Are voting procedures different if I hold my shares in the name of a broker, bank or other nominee*?" below. Holders of Class A Common Stock are not entitled to any notice of, or vote at, the Annual Meeting.

#### How many votes do you need to hold the Annual Meeting?
In order for us to conduct business at the Annual Meeting, we must have a quorum, which means that a majority of the issued and outstanding shares of Class B Common Stock as of the Record Date must be present. Shares of Class B Common Stock will be counted as present for purposes of determining the presence of a quorum if those shares are:

● voted over the Internet or by telephone in advance of the Annual Meeting;

● properly submitted via Proxy (even if the Proxy does not provide voting instructions) in advance of the Annual Meeting; or

● present at the Annual Meeting and voted in person.

Abstentions and "broker non-votes" will be counted as present and entitled to vote for purposes of determining a quorum. A "broker non-vote" occurs when a registered holder (such as a broker or bank) holding shares in "street name" for a beneficial owner does not vote on a particular proposal because the registered holder has not received voting instructions from the beneficial owner and does not have, or declines to exercise, discretionary voting power with respect to that particular proposal. As described below, registered holders that have not received voting instructions from the beneficial owner may, although they are not required to, vote such shares with respect to the ratification of the appointment of the Company's independent registered public accounting firm. Registered holders are not entitled to exercise discretionary voting authority with respect to any other matters to be voted upon at the Annual Meeting.

**How many shares of Class B Common Stock are outstanding? How many votes is each share of Class B Common Stock entitled to at the Annual Meeting?**

As of the Record Date, we had outstanding 18,982,758 shares of Class B Common Stock and each share is entitled to one vote for each of the director nominees to be elected at the Annual Meeting, and one vote on each other matter to be acted upon at the Annual Meeting.

#### How may I vote on each of the Proposals to be considered at the Annual Meeting?
With respect to the election of directors, you may:

● vote FOR all nominees;

● withhold authority to vote for one or more of the nominees and vote FOR the remaining nominees; or

● withhold authority to vote for all nine (9) nominees.

With respect to the other proposals to be voted at the Annual Meeting, you may:

● vote FOR the proposal;

● vote AGAINST the proposal; or

● ABSTAIN from voting on the proposal.

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#### What vote is required to approve each of the Proposals?
Each share of Class B Common Stock is entitled to cast an affirmative vote for up to nine (9) director nominees. Cumulative voting is not permitted. The nine (9) nominees for director who receive the highest number of votes cast, in person or by Proxy, at the Annual Meeting will be elected as directors. Votes withheld and broker non-votes will have no effect on the outcome of the election of directors.

The affirmative vote of a majority of the votes cast, in person or by proxy, is required for the approval of an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan, and ratification of the appointment of the Company's independent registered public accounting firm. Abstentions and broker non-votes are not considered to be votes cast and therefore will have no effect on the outcome of the vote on these matters.

#### What are the Board's voting recommendations?
Our Board of Directors recommends the following votes:

● Proposal One — FOR the election of the nine (9) persons nominated to serve as directors;

● Proposal Two — FOR the approval of an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan; and

● Proposal Three — FOR the ratification of the appointment of KPMG LLP as our independent registered public accounting firm for 2026.

#### How do I vote?
In order for us to ensure we have sufficient votes to conduct business at the Annual Meeting, we request that registered owners vote by one of the following four methods as soon as possible. You may also thereafter attend the Annual Meeting and vote your shares in person.

● **Via Internet:** visit www.proxypush.com/crd-b

● **By Mail:** sign, date and return your proxy card to the address listed on the proxy card.

● **By Phone:** call 1-866-883-3382

● **In Person:** all holders of record of Class B Common Stock who hold their shares directly in their name may vote in person at the Annual Meeting.

#### What if I change my mind after I vote by Proxy?
Any Shareholder giving a Proxy has the power to revoke it at any time before it is voted at the Annual Meeting by the giving of another Proxy by mail bearing a later date or thereafter voting by phone or the Internet or providing written notification of the revocation to the Corporate Secretary, Legal Department, Crawford & Company, 5335 Triangle Parkway, Peachtree Corners, Georgia 30092. Shareholders who are present at the Annual Meeting will have the opportunity to revoke their Proxy and vote in person if they so desire.

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#### What if I return my Proxy but do not provide voting instructions?
If you properly execute and return your Proxy but do not indicate any voting instructions with respect to one or more matters to be voted upon at the Annual Meeting, your shares will be voted in accordance with the recommendation of the Board of Directors as to all such matters.

Specifically, your shares will be voted FOR the election of all director nominees, FOR the approval of an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan, and FOR the ratification of the appointment of KPMG LLP as the Company's independent registered public accounting firm for the 2026 fiscal year, and as in the discretion of the persons named as proxies on all other matters that may properly come before the Annual Meeting.

**Are voting procedures different if I hold my shares in the name of a broker, bank or other nominee?**

If you are a Shareholder whose shares are held in "street name" (*i.e*., in the name of a broker, bank or other record holder), you must either direct the record holder of your shares how to vote your shares or obtain a Proxy, executed in your favor, from the record holder to be able to register using the registration instructions provided above, attend, and vote at the Annual Meeting.

We encourage Shareholders who hold shares of Class B Common Stock in street name to provide instructions to that record holder on how to vote those shares. Providing voting instructions ensures that your shares will be voted at the Annual Meeting. If shares are held through a brokerage account, the brokerage firm, under certain circumstances, may vote the shares without instructions from you. On certain "routine" matters, such as the ratification of the appointment of auditors, brokerage firms have authority under the New York Stock Exchange ("NYSE") rules to vote their beneficial holders' shares if the beneficial holders do not provide voting instructions. If a brokerage firm votes a beneficial holder's shares on a routine matter without receiving voting instructions, these shares are counted both for establishing a quorum to conduct business at the Annual Meeting and in determining the number of shares voted for or against the routine matter. At the Annual Meeting, the proposal to ratify the appointment of KPMG LLP as our independent registered public accounting firm for the 2026 fiscal year is considered a routine matter.

On "non-routine" matters, if a brokerage firm has not received voting instructions from a beneficial holder, the brokerage firm cannot vote the shares on that proposal, which is considered a "broker non-vote". Broker non-votes are counted for purposes of establishing a quorum to conduct business at the Annual Meeting, but not for determining the number of shares voted for or against the non-routine matter. At the Annual Meeting, the proposals relating to i) the election of directors and ii) the approval of an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan are considered non-routine matters.

#### How can I obtain a copy of the 2025 Annual Report?
Our Annual Report (Form 10-K), filed with the Securities and Exchange Commission (the "SEC") is available free of charge upon written request to the Corporate Secretary, Legal Department, Crawford & Company, 5335 Triangle Parkway, Peachtree Corners, Georgia 30092 and on the Company's website, www.crawco.com under the "Financials" link located under the "Investors" page.

#### Who is paying the expenses of this solicitation?
The cost of solicitation of proxies will be borne by the Company. To have as large a representation at the Annual Meeting as possible, special solicitation of proxies may, in certain instances, be made personally, or by telephone, electronic mail or by mail by one or more of our officers, employees or directors. We will also reimburse brokers, banks, nominees, or other fiduciaries for the reasonable clerical expenses of forwarding the proxy material to the beneficial owners of the Company's Class B Common Stock.

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#### What do I need to attend the Annual Meeting?
Attendance is limited to Shareholders of record as of March 17, 2026. You should be prepared to present photo identification for admittance. Please note that cameras, sound or video recording equipment, cellular telephones, or similar electronic devices, large bags, briefcases or packages will not be allowed in the meeting room.

If you are a Shareholder of record, your name is subject to verification against the list of Shareholders of record on the record date prior to being admitted to the meeting. If you are a beneficial owner and your shares are held through a broker, bank or other nominee, you may also attend our 2026 Annual Meeting if you provide proof of beneficial ownership on the record date, such as your most recent account statement or similar evidence of ownership.

#### When will the Company announce the voting results?
We will announce the preliminary voting results at the 2026 Annual Meeting. The Company will report the final results on a Current Report on Form 8-K, to be filed with the SEC within four business days following the Annual Meeting.

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#### PROPOSAL 1 — ELECTION OF DIRECTORS

#### Nominees and Voting
Except for Amy T. Shore, who was appointed to the Board on June 6, 2025, and W. Bruce Swain, Jr., who was appointed to the Board effective January 1, 2026, each nominee is a current director who was most recently elected by the Shareholders at the Company's previous annual meeting on May 8, 2025. If, at the time of the Annual Meeting, any of the nominees should be unable or unwilling to serve, the persons named in the Proxy (W.B. Swain, H.B. Boudreau and T.E. Stevenson) may vote for substitute nominees selected by the Board of Directors or, as an alternative, the Board of Directors could reduce the size of the Board and/or the number of directors to be elected at the Annual Meeting. We have no reason to believe that any of the nominees will be unable or unwilling to serve as a director for his or her full term.

Currently, the Board of Directors is fixed at nine (9) members. In accordance therewith, the Board has nominated the nine (9) persons listed below to be elected as directors, to hold office until the Company's next annual meeting and until their respective successors are elected and qualified.

#### Nominee Information
The following gives certain information as to each person nominated by our Board of Directors for election or reelection as a director:

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|:---|
| &nbsp;&nbsp;**Dame Inga K. Beale**, age 62, was appointed as a member of the Board of Directors on February 11, 2020. Dame Inga is the former Chief Executive Officer of Lloyd's of London, a position she held from 2014 to 2018 and she was the first female CEO in the global insurance and reinsurance market's 325 year history. From 2012 to 2013, Dame Inga was the Group CEO at the privately held Lloyd's insurer Canopius. Prior to this, she served on the Group Management Board of Zurich Insurance Group as the Global Chief Underwriting Officer. Before joining Zurich, Dame Inga served as the Group CEO of Swiss reinsurer Converium, where she spearheaded a company turn around. She previously worked for General Electric's insurance division for 14 years where she held numerous management roles, including leadership roles in Kansas City, Paris, and Munich. Dame Inga is a Chartered Insurer and studied economics and accounting at Newbury College, Berkshire, England. She currently serves on the board of directors of Willis Towers Watson plc, NN Group NV and South Pole Holding AG. She previously served as the non-executive chair of the board for Mediclinic International plc, a private hospital and healthcare group. The Board believes Dame Inga's array of international insurance carrier experience will positively impact the Company's strategy moving forward. |
| &nbsp;&nbsp;**Cameron M. Bready,** age 54**,** was appointed as a member of the Board of Directors on September 13, 2022. Mr. Bready is the Chief Executive Officer of Global Payments, Inc., a leading payments technology company delivering innovative software and services to its customers globally. From 2019-2023, he served as the company's President and Chief Operating Officer overseeing the company's worldwide merchant solutions businesses across North America, Europe, Asia Pacific and Latin America along with worldwide operations, risk management, product and real estate. From 2014 to 2019, he served as the company's senior executive vice president and chief financial officer and was responsible for global financial operations including finance, treasury, accounting, tax, investor relations, internal audit, corporate development, worldwide operations, global real estate and corporate affairs. Prior to joining Global Payments, he served as executive vice president and chief financial officer for ITC Holdings Corp., a publicly traded electricity transmission utility company. Mr. Bready is a member of the board of directors of Global Payments, Inc. He also serves on the board of trustees of the Woodruff Arts Center and Pace Academy and is a member of the board of directors of the Metro Atlanta Chamber of Commerce. The Board believes Mr. Bready is qualified to serve as a director due to his extensive worldwide business experience as well as his finance and accounting experience.  |

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| &nbsp;&nbsp;**Jesse C. Crawford, Jr.**, age 36, our Non-Executive Chair of the Board, was elected as a member of the Board of Directors on May 12, 2015. He is an independent investor. Mr. Crawford, Jr.'s family maintains a controlling interest in the Company, and the Board believes it is appropriate to provide for continuity of the representation of the Crawford family on the Board as a component of the Board's succession planning strategy. Mr. Crawford, Jr., is the son of Jesse C. Crawford, a member of the Board and the majority shareholder of the Company.  |
| &nbsp;&nbsp;**Fred R. Donner,** age 68, was appointed as a member of the Board of Directors on November 2, 2023. Mr. Donner is retired and most recently, from April 2018 until October 2022, was a Senior Managing Director in the Global Insurance Practice of FTI Consulting, a global consulting firm. From 2009 until his retirement in 2017, Mr. Donner served in senior leadership roles at Travelers Insurance Company, where he served as Executive Vice President and Chief Financial Officer for multiple business segments, and at RenaissanceRe Ltd., where he served as Executive Vice President and Chief Financial Officer. He also spent more than two decades as a partner at KPMG. Mr. Donner served on the Board of Global Indemnity Group, LLC, from December of 2022 to January 2025, where he chaired the Enterprise Risk Management Committee and the Nomination, Compensation, and Governance Committee and was a member of the Audit Committee. From May 2020 until December 2022, he served as an independent director of Argo Group International Holding where he chaired the Audit Committee. The Board believes Mr. Donner is qualified to serve as a director due to his extensive experience in audit oversight, enterprise risk management, governance, and capital management within the insurance and financial services industries.  |
| &nbsp;&nbsp;**Lisa G. Hannusch**, age 62, was elected as a member of the Board of Directors on May 8, 2019. Ms. Hannusch is currently the managing member and CEO of Rhino Results, LLC, which she founded in 2017, supporting companies with their strategic directions through consulting engagements and investments in healthcare, insurance, or other related industries. From 2004 to 2017, Ms. Hannusch was the owner and CEO of UniMed Direct, a medical management software and service company which was purchased by Mitchell International, Inc. in 2017. She currently serves on the advisory boards of Cadence Rx, a PBM company, Bailey Group, a private equity firm, and for Little Tesoros Therapy Services, pediatric therapy clinics. Ms. Hannusch also serves as a board advisor for the Texas One Fund, where she works to ensure women's sports are at the forefront of Name, Image and Likeness opportunities. The Board believes that Ms. Hannusch is qualified to serve as a director due to her 30 plus year career including leadership positions within claims services, medical, regulatory, insurance, and technology companies.  |

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| &nbsp;&nbsp;**Joel T. Murphy,** age 67, was appointed as a member of the Board of Directors on June 25, 2024. Mr. Murphy has been the Goizueta Distinguished Industry Chair in Real Estate and Executive Director of the BL Harbert Real Estate Center at Goizueta Business School at Emory University from March 2026 until present. He is also the Chief Executive Officer of Murphy Capital and Advisory Group LLC, a consulting and advisory firm, from August 2022 until the present. From January 2020 until August 2022, Mr. Murphy served as President and Chief Executive Officer of Preferred Apartment Communities, Inc. ("PAC"), a real estate investment trust, which primarily owned and operated multi-family residential communities and grocery-anchored shopping centers. Prior to being CEO of PAC and from October 2014, Mr. Murphy was Co-Founder, President and CEO of New Market Properties, LLC, a wholly owned subsidiary of PAC, which focused on acquiring grocery-anchored shopping centers. Mr. Murphy served as a member of the Board of Directors of PAC from May 2019 until August 2022 and became Chair of the Board in June 2021. Mr. Murphy has served on the Board of The Orvis Company, a family-owned and operated outdoor retailer, from 2007 to the present where he serves as Chair of the Nominating and Governance Committee. The Board believes that Mr. Murphy is qualified to serve as a director due to his extensive business and investment experience and strategic acumen.  |
| &nbsp;&nbsp;**Rahul Patel,** age 53, was appointed as a member of the Board of Directors on July 31, 2017. Mr. Patel is a partner with the law firm of King & Spalding, where he has been since 1997. At King & Spalding, he is co-head of the firm's global private equity / M&A group and sits on the firm's Governing Policy Committee. Mr. Patel was appointed by the Governor of the State of Florida to the University of Florida Board of Trustees where he serves as Vice-Chair. He is also on the board of trustees of the Westminster Schools and on the board of Endeavor Atlanta. The Board believes Mr. Patel is qualified to serve as a director due to his over 25 years of legal experience, especially in mergers and acquisitions and corporate governance. |
| &nbsp;&nbsp;**Amy T. Shore,** age 62, was appointed as a member of the Board of Directors on June 6, 2025. Ms. Shore retired from Nationwide Insurance in January of 2025 where she served as Executive Vice President and Chief Transformation Officer, concentrating on efficient growth strategies and improving the long-term expense structure. From October 2019 to February 2024, she was Executive Vice President-Chief Customer Officer where she helped redefine and elevate the customer experience. From June 2016 to September 2019, she was President of P&C Sales & Distribution directing the national sales team. During her 27-year career with Nationwide, Ms. Shore served in a number of executive positions. A graduate of Bowling Green State University, Ms. Shore now serves as a trustee and board chair. She is also a trustee and secretary of the Columbus (Ohio) Symphony Orchestra board. |
| &nbsp;&nbsp;&nbsp;&nbsp;**W. Bruce Swain, Jr.,** age 62, is the President and Chief Executive Officer of the Company. He was appointed by the Board as a Director on January 1, 2026, and as President and Chief Executive Officer on March 23, 2026, following an interim appointment which began on January 1, 2026. Since October 2006, Mr. Swain served as Executive Vice President and Chief Financial Officer. He has held several leadership positions within Crawford since joining in 1991 including, managing several functions within the Finance Department and acting as the Company's Senior Vice President and Controller. Bruce is a certified public accountant and holds a bachelor's and master's degree in accountancy from the University of Mississippi. He also serves on the non-profit Boards of the Georgia Chapter of the Alzheimer's Association and the Metro Atlanta Chamber of Commerce. The Board believes that Mr. Swain's role in serving as Chief Financial Officer, his extensive knowledge of the Company, as well as his successful guidance of Crawford through significant transformations, disciplined approach to building financial strength and commitment to strengthening the Company's core values and culture makes him uniquely qualified to serve as a director. |

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#### Shareholder Vote
Holders of each share of Class B Common Stock may:

● vote FOR the election of the nine (9) nominees for director;

● withhold authority to vote for one or more of the nominees and vote FOR the remaining nominees; or

● withhold authority to vote for all nine (9) nominees.

Election of directors is determined by a plurality of votes. The nine (9) nominees receiving the highest number of affirmative votes will be elected as directors. Cumulative voting is not permitted. Votes withheld and broker non-votes will have no effect on the outcome of the election of directors.

#### The Board of Directors unanimously recommends a vote FOR each of its nominees for director.

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#### EXECUTIVE OFFICERS
The following are the names, positions held, and ages of each of the executive officers of the Company:

---

| | | |
|:---|:---|:---|
| **Name** | **Office** | **Age** |
| W. Bruce Swain, Jr. | President and Chief Executive Officer | 62 |
| Holly B. Boudreau | Executive Vice President and Chief Financial Officer | 45 |
| Andrew Bart | Executive Vice President and CEO of International Operations | 63 |
| Michael J. Hoberman | Executive Vice President and CEO of U.S. Operations | 65 |
| Tami E. Stevenson | Senior Vice President, General Counsel and Corporate Secretary | 59 |
| Nidhi Verma | Senior Vice President and Chief People & ESG Officer | 53 |
| Anthony P. Belcastro | Senior Vice President, Controller and Chief Accounting Officer | 44 |

---

Mr. Swain was appointed to his present position as President and Chief Executive Officer on March 23, 2026, and prior to that was Interim President and Chief Executive Officer since January 1, 2026. Before his current position, Mr. Swain served as Executive Vice President and Chief Financial Officer since October 2006 and from May 2006 served as Senior Vice President and Interim Chief Financial Officer of the Company. Prior to that, and from January 2000, he was Senior Vice President and Controller of the Company. Mr. Swain joined the Company in 1991.

Ms. Boudreau was appointed to her present position as Executive Vice President - Chief Financial Officer effective January 1, 2026. Prior to that and since January of 2024 she was Senior Vice President – Tax, Treasury and Finance Transformation overseeing the Company tax and treasury functions as well as the creation of operational efficiencies in the finance function. Prior to that she was Senior Vice President – Global Tax from November 2020 through December 2023 and Vice President – Global Tax from December 2014 through October 2020 where she managed the global planning, reporting and compliance of the Company's tax function. Ms. Boudreau joined the Company in 2013.

Mr. Bart was appointed to the role of CEO of International Operations effective January 1, 2022. Prior to that he served as Senior Vice President and President, International Loss Adjusting, President, Global Technical Services and prior to that was President, Asia Pacific. Before moving into Management, Mr. Bart had extensive experience as a loss adjuster handling a wide range of large and complex losses.

Mr. Hoberman was appointed to the role of CEO of U.S. Operations effective January 1, 2026. Prior to that and since January 1, 2022, he served as Senior Vice President and President, TPA North America. From February 5, 2021, he served as President, Crawford TPA Solutions. Prior to that, he served as Chief Client Officer for Crawford TPA, Broadspire from January 2016 to February 2021. Mr. Hoberman joined the Company in 2012.

Ms. Stevenson was appointed to her present position as Senior Vice President, General Counsel and Corporate Secretary in June of 2020. Prior to her role as General Counsel, Ms. Stevenson served as deputy general counsel beginning in January of 2019. Ms. Stevenson first joined the Company as counsel for Crawford TPA, Broadspire in 2006.

Ms. Verma was appointed to her present position as Senior Vice President and Chief People & ESG Officer in July 2022. From April 2017 through June 2022, she was Vice President, Training, Talent and DEI at the Company. From March 2014 through April 2017, she was Director of Talent Management.

Mr. Belcastro was appointed to his present position as Senior Vice President, Controller and Chief Accounting Officer on March 18, 2024. He joined the Company on January 1, 2024. Prior to joining Crawford Mr. Belcastro was Vice President, Corporate Controller for WestRock Company since March 2021. Prior to joining WestRock he was Vice President, Controller at ABB Industrial Solutions from July 2018 to March 2021.

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#### CORPORATE GOVERNANCE

#### Director Independence
Our Corporate Governance Guidelines and the listing standards of the NYSE provide that a majority of our directors are required to be independent directors. In addition, our Corporate Governance Guidelines include certain categorical independence standards to assist the Board in determining director independence.

As required by our Corporate Governance Guidelines, the Board of Directors has reviewed and analyzed the relationships of each director nominee with the Company and its management. The purpose of the review was to determine whether any relationships or transactions involving directors, or any of their respective affiliates or immediate family members, were inconsistent with a determination that the director is independent for purposes of serving on the Board and any of its committees.

As a result of this review, the Board has determined, pursuant to the listing standards of the NYSE and our Corporate Governance Guidelines, that all director nominees are independent for purposes of serving on the Board of Directors, except Mr. Swain who is the President and Chief Executive Officer of the Company. In making such determination, the Board also considers any "related party transactions" entered into between the Company and the applicable director or director nominee, regardless of whether such transaction is required to be disclosed pursuant to the rules and regulations of the SEC.

#### Standing Committees
The Board of Directors has four standing committees: the Executive Committee; the Audit Committee; the Governance Committee; and the Compensation and Human Capital Committee.

*The Executive Committee.* The Executive Committee currently consists of Mr. Crawford, Jr. as Chair, and Messrs. Crawford, Sr., Patel, and Swain as members. The Executive Committee may exercise all the authority of the Board of Directors between its meetings with respect to all matters not specifically reserved by law to the Board of Directors. The Executive Committee held no meetings during 2025.

*The Audit Committee.* The Audit Committee has adopted and operates under a written charter that is reviewed by the Audit Committee annually and is approved by the Board of Directors. The written charter is available at www.crawco.com on the "Investors" page, under the "Governance" tab, through the "Governance Documents" link under "Governance Documents". The Audit Committee currently consists of Mr. Donner as Chair, and Ms. Beale, Mr. Bready, and Ms. Hannusch as members. The Board has determined that all the members of the Audit Committee are independent under NYSE listing standards and Rule 10A-3 under the Securities Exchange Act of 1934 (the "Exchange Act"). In addition, the Board has determined that Mr. Bready and Mr. Donner are "Audit Committee Financial Experts" as defined by Item 407(d) of SEC Regulation S-K. In making such determination, the Board took into consideration, among other things, the express provision in Item 407(d) of SEC Regulation S-K which provides that the determination that a person has the attributes of an audit committee financial expert shall not impose any greater responsibility or liability on that person than the responsibility and liability imposed on such person as a member of the Audit Committee and the Board of Directors, nor shall it affect the duties and obligations of other Audit Committee members or the Board.

The Audit Committee oversees the integrity of our financial statements, risks related to our financial reporting process and internal controls, the internal audit function, data privacy and cybersecurity, the independent registered public accounting firm's qualifications, independence and performance and the Company's corporate finance matters, including its capital structure. The Audit Committee, as required by the NYSE, discusses with management the Company's significant financial risk exposures, steps management has taken to monitor, control and report such exposures and our policies with respect to risk assessment and risk management.

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The Audit Committee appoints and discharges our independent registered public accounting firm, reviews with the independent registered public accounting firm the audit plan and results of the audit engagement, reviews the scope and results of our internal auditing procedures and the adequacy of our accounting controls, approves professional services provided by the independent registered public accounting firm, reviews the independence of the independent registered public accounting firm and approves the independent registered public accounting firm's audit and non-audit services and fees.

The Audit Committee also reviews and approves related party transactions in accordance with the Company's written, related party transactions policy. The Company's related party transactions policy is designed to eliminate conflicts of interest and improper valuation issues, and applies to the Company's directors, officers, shareholders holding 5% or more of the Company's stock and family members or controlled affiliates of such persons. For purposes of the Company's related party transactions policy, a "related party transaction" is a transaction between the Company and any related party, other than transactions generally available to all employees and certain de minimis transactions.

The Audit Committee held seven meetings during 2025.

*The Governance Committee.* The Governance Committee currently consists of Mr. Patel as Chair, and Messrs. Crawford, Sr., Crawford, Jr. and Murphy, Ms. Hannusch and Ms. Shore as members. Ms. Shore was appointed to the Committee on June 6, 2025. The Governance Committee operates under a written charter approved by the Board of Directors, which is available at www.crawco.com on the "Investors" page, under the "Governance" tab, through the "Governance Documents" link. Pursuant to that charter, the Governance Committee ensures that management has adopted an enterprise risk management program and regularly reviews and discusses the program with management, and exercises oversight over the compliance and ethics functions receiving regular reports from management with respect to those areas. The Governance Committee advises and makes recommendations to the Board on all matters concerning corporate governance and directorship practices, oversees risks related to our corporate governance, including Board and director performance, director succession and the Company's Corporate Governance Guidelines and other governance documents. The Committee also actively identifies, evaluates, and recommends director nominees for the Board according to the guidelines stated in its charter, including reviewing candidates recommended by Shareholders.

The Governance Committee believes that appropriate candidates should show evidence of leadership in their particular field, have the interest and ability to devote sufficient time to carrying out their respective duties and responsibilities and that the Board as a whole should have diversity of experience (which may, at any one or more times, include differences with respect to personal, educational or professional experience, gender, ethnicity, geographic origin and location and age) and the ability to exercise sound business judgment, possess the highest personal and professional ethics, integrity and values and be committed to representing the long-term interests of the Company's Shareholders. Pursuant to our bylaws, except for people who hold shares entitled to ten percent or more of the voting power of the Company, no person is eligible for nomination or re-nomination to the Board after such person has reached the age of 72. In selecting directors or director candidates, the Board generally seeks a combination of active or former senior officers of businesses, academics and entrepreneurs whose backgrounds are relevant to the Company's mission, strategy, operations and other perceived needs.

The Governance Committee held four meetings during 2025.

*The Compensation and Human Capital Committee.* The Compensation and Human Capital Committee currently consists of Ms. Beale as Chair and Messrs. Crawford, Sr., Donner, and Murphy and Ms. Shore as members. Ms. Shore was appointed to the Committee on June 6, 2025. The Board of Directors has determined that all members of the Compensation and Human Capital Committee are independent under the NYSE listing standards. The Compensation and Human Capital Committee has adopted a written charter, approved by the Board of Directors, which is available at www.crawco.com on the "Investors" page, under the "Governance" tab, through the "Governance Documents" link. The Compensation and Human Capital Committee is primarily responsible for the design and oversight of the Company's executive compensation policies, plans and practices. The Compensation and Human Capital Committee formulates and approves the salary, equity compensation awards and other compensation payable to the Chief Executive Officer and, upon recommendation of the Chief Executive Officer, salaries, equity compensation awards and other compensation for executive officers of the Company.

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A key objective of the Compensation and Human Capital Committee is to ensure that the Company's overall executive compensation program appropriately links pay to performance and aligns the interests of the Company's executives with its shareholders, while seeking to encourage an appropriate level of risk-taking behavior consistent with the Company's long-term strategy. The Compensation and Human Capital Committee also monitors the design and administration of the Company's overall incentive compensation programs to ensure that they include appropriate safeguards to avoid encouraging unnecessary or excessive risk-taking by Company employees.

The Compensation and Human Capital Committee held five meetings in 2025.

For additional information about the Compensation and Human Capital Committee's processes and its role, as well as the role of executive officers and compensation consultants in determining executive officer compensation, see "Compensation Discussion and Analysis" below.

#### Executive Sessions of Independent Directors
Independent directors are required to meet regularly without management participation. During 2025, there were five meetings of independent directors. Mr. Crawford, Jr., as Non-Executive Chair of the Board, presided at these meetings.

#### Meetings of the Board of Directors and Board Attendance
During 2025, the Board of Directors held five meetings and each of the current directors attended at least seventy-five percent (75%) of the aggregate number of meetings of the Board of Directors and any committees of which such director was a member. The Company encourages all directors to attend each annual meeting. The Company also holds a full Board meeting the same day as the annual meeting to further encourage all directors to attend the annual meeting. All director nominees, with the exception of Mr. Patel and Ms. Shore, attended the 2025 annual meeting, which was held in person.

#### Corporate Governance Guidelines, Committee Charters and Code of Business Conduct
The Company's Corporate Governance Guidelines, board committee charters and Code of Business Conduct and Ethics are available on its website at www.crawco.com, on the "Investors" page, under the "Governance" tab, through the "Governance Documents" link and are also available without charge in print to any Shareholder who makes a request by writing to Corporate Secretary, Legal Department, Crawford & Company, 5335 Triangle Parkway, Peachtree Corners, Georgia 30092.

#### Leadership Structure
The Chair of the Board presides at all meetings of the Board and the Shareholders and exercises such other powers and duties as the Board may assign him. The Chair of the Board provides leadership to the Board and works with the Board to define its structure and activities in the fulfillment of its responsibilities. The Company believes that the members of the Board possess considerable and unique knowledge of the challenges and opportunities the Company faces, and therefore, are in the best position to evaluate the needs of the Company and how best to organize the capabilities of our directors and executives to meet those needs. As a result, the Company believes that the decisions as to whom should serve as Chair, as President, and as Chief Executive Officer, and whether the offices should be combined or separate, is properly the responsibility of the Board, to be exercised from time to time in appropriate consideration of then-existing facts and circumstances.

Mr. Crawford, Jr. has served as a member of the Board since May 2015 and as Non-Executive Chair of the Board since December 6, 2023. The Board currently believes that, based on the skills and current responsibilities of the various Board members and management as well as the current general economic, business and competitive environment, separation of the chair and chief executive officer roles remains appropriate, as it enhances (i) appropriate oversight of management by the Board, (ii) Board independence, (iii) the accountability to our Shareholders by the Board, and (iv) our overall leadership structure.

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#### Risk Management
The Company takes a comprehensive approach to risk management and seeks to include risk management principles in all its management processes. This comprehensive approach is reflected in the reporting processes pursuant to which management provides information to the Board to support the Board's role in oversight, approval, and decision-making.

The Board maintains oversight responsibility for the management of the Company's risks, and closely monitors the information it receives from management, to provide oversight and guidance to our management team concerning the assessment and management of risk. The Board approves the Company's high-level goals, strategies, and policies to set the tone and direction for appropriate levels of risk taking within the business. Our Board also regularly reviews the Company's enterprise risk management ("ERM") program to ensure that an appropriate ERM process is in place.

In addition to these reviews, our executives with responsibility for various business functions provide the Board and its committees with periodic updates regarding the Company's strategies and objectives, and related risks. Members of management most knowledgeable of relevant issues attend and present at Board meetings to provide additional insight into items being discussed, including risk exposures. Our directors always have access to Company management at all levels to discuss any matters of interest, including those related to risk. The Board and its committees call special meetings from time to time as appropriate to address specific issues.

The Board has delegated oversight for matters involving certain specific areas of risk exposure to its committees, as discussed above. Each committee reports to the Board of Directors at regularly scheduled Board meetings, and more frequently if appropriate, with respect to the matters and risks for which each committee provides oversight.

#### Director Compensation
The table below outlines the compensation paid to each of our non-management Directors. The competitiveness of pay elements provided to the Directors is reviewed annually by the Compensation and Human Capital Committee. Market data for the review is provided by the independent compensation consultant retained by the Compensation and Human Capital Committee. For 2025, the annual compensation structure for the Directors consisted of:

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| | |
|:---|:---|
| **Element** | **Value** |
| Annual cash retainer (paid quarterly) | $75000 |
| Restricted share award (granted annually) | $120000 |
| Audit Committee Chair (paid quarterly) | $25000 |
| Compensation and Human Capital Committee Chair (paid quarterly) | $15000 |
| Governance Committee Chair (paid quarterly) | $12500 |
| Executive Committee Chair (paid quarterly) | $12000 |
| Chair of the Board (paid quarterly) | $100000 |

---

Restricted share awards granted to Directors in 2025 vested in full on December 31, 2025.

Directors who also serve as employees of the Company do not receive separate compensation for their service on the Board.

The following table provides compensation information for the year ended December 31, 2025, for each non-employee member of our Board of Directors during 2025. See "Summary Compensation Table" for information relating to Mr. Verma's compensation. Mr. Verma did not receive any additional compensation for serving as a member of our Board of Directors in 2025.

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**Director Compensation Table**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| <br>**Name** | <br>**Fees**<br>**Earned**<br>**or Paid in**<br>**Cash** | <br>**Stock**<br>**Awards**<sup>(1)</sup> | <br>**Stock**<br>**Option**<br>**Awards**<sup>(1)</sup> | **Change in**<br>**Pension**<br>**Value and**<br>**Nonqualified**<br>**Deferred**<br>**Compensation**<br>**Earnings**<sup>(2)</sup> | <br>**All Other**<br>**Compensation** | <br>**Total** |
| Inga K. Beale | $91500 | $119991 |  |  |  | $211491 |
| Cameron M. Bready | 75000 | 119991 |  |  |  | 194991 |
| Jesse C. Crawford | 76500 | 119991 |  |  |  | 196491 |
| Jesse C. Crawford, Jr. | 187000 | 119991 |  |  |  | 306991 |
| Fred R. Donner | 101500 | 119991 |  |  |  | 221491 |
| Lisa G. Hannusch | 75000 | 119991 |  |  |  | 194991 |
| Joel T. Murphy  | 76500 | 119991 |  |  |  | 196491 |
| Rahul Patel | 87500 | 119991 |  |  |  | 207491 |
| Amy T. Shore <sup>(3)</sup> | 42550 | 66916 |  |  |  | 109466 |
| D. Richard Williams <sup>(4)</sup> | 69353<br><sup>(5)</sup>  |  |  |  |  | 69353 |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) Represents the grant date fair value of awards calculated in accordance with Accounting Standards Codification Topic 718 Compensation Stock Compensation" ("ASC 718"). See Note 12 of the consolidated financial statements in Item 8 of the Company's Annual Report regarding assumptions underlying the valuation of equity awards. The stock awards were made pursuant to the terms of the Company's Non-Employee Director Stock Plan.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Preferential earnings from the Crawford & Company Nonqualified Deferred Compensation Plan for Eligible Employees and Eligible Directors (the "Deferred Compensation Plan").

&nbsp;&nbsp;&nbsp;&nbsp;(3) Ms. Shore was appointed to the Board on June 6, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Mr. Williams did not stand for re-election at the 2025 meeting.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Includes $50,603 pro-rata payment of the cash portion of fees and the pro-rata equity component of fees converted to cash, as of the May 8, 2025 departure date.

#### Stock Ownership Guidelines for Non-Employee Directors
The Compensation and Human Capital Committee has approved stock ownership guidelines with specified equity ownership targets for non-employee members of our Board. Non-employee Board members are required to own shares in the Company equal in value to $200,000 or 25,000 shares for 2025. With the exception of Ms. Shore, who has until June 6, 2027 to achieve her target ownership level, all current non-employee members of the Board are in compliance with the applicable ownership targets.

#### Communications with our Board; Shareholder Nominees
Individuals may communicate with our Board by sending a letter to the Company's Governance Committee, P.O. Box 921936, Norcross, Georgia 30010. Your letter will be shared with all members of our Board and may, at the discretion of the Board, be shared with Company management, unless your letter requests otherwise. Communications that are specifically intended for non-employee directors should be addressed to "Chair of the Governance Committee," Board of Directors, Crawford & Company at this same address.

Any Shareholder who certifies that he or she is the continuous record owner of at least one percent (1%) of either class of common stock of the Company for at least one year prior to the submission of a candidate for director and who provides a written statement that he or she intends to continue ownership of the shares through the date of the applicable annual meeting of shareholders may submit a nomination for director for the term beginning on the date of the 2027 annual meeting of shareholders. The candidate must meet the qualifications stated in the Company's Bylaws and, the

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submission must be made to the Company's Governance Committee at P.O. Box 921936, Norcross, Georgia 30010, no more than 120 days and no less than 90 days prior to the one-year anniversary date of the 2026 Annual Meeting.

The Governance Committee will review all candidates submitted by Shareholders for consideration as director nominees pursuant to its general practices and the guidelines stated in its charter and the Company's Corporate Governance Guidelines before determining whether to submit any nominee to the full Board for consideration.

#### CRAWFORD'S EMPLOYEE WELLNESS, ENGAGEMENT AND DEVELOPMENT
Human Capital is a key component to our success. Our people-first culture is reflected in our RESTORE values of Respect, Empowerment, Sustainability, Training, One Crawford, Recognition and Entrepreneurial Spirit which are supported in our workforce programs.

As of December 31, 2025, we had approximately 9,900 employees operating in countries around the world. Of our global employees, 94% are full-time. Approximately 77% of our workforce is concentrated in the U.S., Canada, U.K., Australia, and the Philippines. Women comprised 58% of our global workforce, 26% of our global senior management team and 53% of our female employees are in people management roles. With respect to our employees in the U.S., the percentage of our employees that identified as Black, Hispanic/Latino, and Asian were 16%, 10% and 4%, respectively.

#### Employee Wellness
We believe that offering holistic wellness programs is important in attracting and retaining employees. We provide a variety of comprehensive benefit programs that are designed to support the physical, mental, and financial well-being of our people. Examples of such programs include group healthcare and telemedicine programs; formal wellness programs with fitness challenges and incentives for prioritizing physical exercise and accessing preventive care services; employee assistance programs; company-sponsored retirement savings plans; financial education webinars; tuition assistance; and programs that support work-life balance such as remote work arrangements, flextime, paid-time off including vacation and wellness time, and paid parental leave.

We are committed to helping our employees and their dependents maintain health and wellness by offering a range of benefits. In 2025, we continued to offer all employees a free subscription to the mental wellbeing platform, Headspace. The platform provides a library of articles and exercises on mental health, mindfulness, meditation, and good sleep habits. We expanded this service to provide access to 24/7 mobile coaching in support of mental wellbeing. For U.S. employees, this also includes virtual clinical therapy; and we continue to offer wellness programs through Personify Health (formerly Virgin Pulse), which promotes healthy life choices, and Hinge Health, a solution for chronic joint and muscle pain.

#### Employee Engagement
In September 2025, we conducted our annual Employee Pulse survey for our global workforce to measure their sentiment on employee experience and culture. Our overall response rate was 77% which is 1% higher than the 2024 survey.

Employee engagement at the overall Company level remains strong, continuing the positive momentum from previous years. Responses to half of the questions from 2024 remained stable, while the other half saw a modest shift of 1–3 points. We saw encouraging gains in areas like team collaboration and leadership support. Notably, the most significant improvement was in employees' feeling supported in balancing their health and well-being, and in experiencing stronger cooperation across teams.

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Employees reported the highest scores in having a clear understanding of what is expected of them in their role, a strong sense of purpose in their job and alignment of their work with business strategy. As a result, 87% of employees feel empowered to make decisions that drive impact. Moreover, 83% of employees feel safe raising ethical concerns without fear of retaliation, reflecting our commitment to fairness and open dialog. They also feel safe to speak up and feel that the Company is committed to fair treatment of our employees.

#### Employee Development
Training is not only a core value, but also a key component of our history and heritage. Employee development continued to be a strategic priority in 2025 with the Company offering skill-based training and relevant certifications for all employees. In 2025, we tracked approximately 45,000 training hours in our proprietary learning platform, KMC OnDemand™ ("KMC") for all formats of training offered globally.

In the U.S., we conducted four sessions of the Residential Property Loss Adjusting course, three sessions of the Commercial Property Loss Adjusting course, two sessions of the Casualty Loss Adjusting course, one Advanced Casualty Forum session, and six sessions of the Xactimate course to build skills that increase adjuster performance and success in the field. Through these classes, adjusters were not only exposed to the technical aspect of claims handling but also trained on critical success behaviors such as empathy and customer service – attributes we consider to be core and crucial for becoming a world-class claims professional. Our employees in the U.S. completed 340 designation courses offered by The Institutes, an educational provider for risk management and insurance courses. They achieved 25 designations including Associate in Claims ("AIC"), Associate in Management ("AIM"), Associate in Risk Management ("ARM"), Chartered Property Casualty Underwriter ("CPCU") and more. Also, 265 individual courses were completed for Property Technical Certification ("PTC") and 31 PTC certifications were earned. Additionally, we trained approximately 143 care management professionals and approximately 1,030 catastrophe adjusters in the U.S. through 54 instructor-led classes and 349 hours of Crawford Vision video viewing.

In 2025, our managers continued with a global management development program called the Manager Acceleration Program ("MAP"). The goal of this program is to enhance manager effectiveness by building and refining skills which enable managers to motivate, empower, and lead teams. In this journey, managers experience a blend of courses through online, self-paced and virtual instructor-led environments. The program is delivered by internal training facilitators in partnership with premier educational providers such as LinkedIn Learning and Franklin Covey. We had 41 new managers complete the MAP program this year and 75 employees who completed the Aspiring Manager Program aimed at building management skills in employees who aspire to be managers in the future.

Our focus on leadership development brought 32 individuals together from around the world for the Crawford Emerging Leaders Program, a week-long immersion program which builds leadership and business acumen skills, offers visibility to the Company's global senior management team, provides experience working on business-critical projects and enables networking with colleagues from across the globe.

KMC is our source for online training for technical and professional development courses globally. In 2025, our employees spent approximately 28,250 hours on our online learning platform, KMC. We trained over 8,600 unique learners. A wide spectrum of courses on loss adjusting, liability, and workers' compensation are also offered to our clients and adjusters across the industry. KMC has a robust catalog of courses that are Continuing Education ("CE") accredited in the U.S. and Canada, and we processed 2,044 CE requests this year. In addition, LinkedIn Learning remains a popular learning platform for our employees to build professional skills and stay connected with the latest in leadership, technology, AI, cybersecurity, and numerous other business-related topics. Over 1,255 employees worldwide spent approximately 6,400 hours completing approximately 5,600 courses on the LinkedIn Learning platform.

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#### COMPENSATION DISCUSSION AND ANALYSIS
The following discussion and analysis of our compensation philosophy, objectives, policies and practices is focused primarily on our executive officers and includes a detailed discussion of compensation for the following five named executive officers (or "NEO(s)") during the fiscal year ended December 31, 2025:

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| | |
|:---|:---|
| **Name** | **Office**  |
| Rohit Verma  | Former President and Chief Executive Officer |
| W. Bruce Swain, Jr.  | Former Executive Vice President and Chief Financial Officer: Current President and Chief Executive Officer |
| Andrew Bart  | Executive Vice President and CEO - International Operations  |
| Larry C. Thomas  | Executive Vice President and Global President - Platform Solutions (Retired as of December 31, 2025) |
| Michael J. Hoberman | Former Senior Vice President and President, TPA North America: Current Executive Vice President and CEO - U.S. Operations |

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#### Overview
The fundamental philosophy of the Compensation and Human Capital Committee (the "Compensation Committee") with respect to executive compensation is to ensure that our compensation programs will enable us to attract and retain key executives critical to our long-term success, through the establishment of a performance-oriented environment that rewards the achievement of both short- and long-term strategic management goals, with the attendant enhancement of shareholder value. This philosophy is implemented through the core principles of "pay for performance" and aligning management's interests with our shareholders' interests to support long-term value creation and to encourage an appropriate level of risk-taking behavior consistent with the Company's long-term strategy. As a result, a significant portion of our executive officers' compensation opportunity is "at-risk pay" with actual payments dependent upon Company and individual performance. The Compensation Committee regularly reviews our compensation programs to ensure continued alignment with the underlying philosophy and principles and makes adjustments as appropriate to accomplish these objectives.

For 2025, the Compensation Committee worked with its independent compensation consultant, described in more detail below, to develop and analyze comparative data on executive compensation with a goal of setting and maintaining total executive compensation at levels competitive to compensation paid to executives in similar positions within our comparator companies (described below). In determining this level, the Compensation Committee acknowledged that, as a result of the significant at-risk components of compensation described in more detail elsewhere in this discussion and analysis, actual payouts may be significantly above or below this level based on actual performance when compared to target performance.

In executing its role with respect to compensation matters, the Compensation Committee considers a variety of factors from time to time, including recommendations from executive officers and any compensation consultants, both described below, the recent historical and expected contributions of the individual executive officer, the Company's historical and expected financial results and shareholder return, cumulative compensation history (to the extent that it impacts pay receivable currently and in the future), internal pay equity and the appropriate level of risk taking, all as described below.

Among the factors taken into consideration by the Compensation Committee in setting 2025 compensation was the Company's performance as measured by earnings per share, revenue, operating earnings and operating margin. The Compensation Committee believes that earnings per share is a useful metric in determining certain components of executive compensation because of the strong correlation with the creation of value for shareholders. The Compensation Committee believes that revenue is a useful metric in determining certain components of executive compensation because of the Company's focus on growth and an increase in revenue is a strong measure of growth. Operating earnings is the primary financial performance measure used by the Company's senior management to evaluate financial performance and make resource allocation decisions and so the Compensation Committee believes it is a useful metric

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for purposes of setting components of executive compensation. The Compensation Committee believes operating margin is a good metric to address select areas of the business with historical underperformance in operating margin contribution. The table below shows actual Company-wide revenue, operating earnings, operating margin as well as adjusted earnings per share used to establish targets for 2025 incentive plans. Company-wide revenue, operating earnings and operating margin were used as metrics for determining the Company's 2025 short-term incentive compensation awards. Cumulative adjusted earnings per share, adjusted per the terms of the Long-Term Incentive Plan ("LTIP"), as explained in note 2 below, is used as the metric for determining the Company's 2023-2025, 2024-2026 and 2025-2027 long-term performance-based incentive cash and share unit awards.

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| | |
|:---|:---|
|  | **2025** |
| Revenue before Reimbursements (millions) | $1311.0<br><sup>(1)</sup> |
| Adjusted Operating Earnings (millions) | $93.3<br><sup>(1)</sup> |
| Adjusted Operating Margin | 7.1% <sup>(1)</sup> |
| Adjusted Earnings Per Share (used for purposes of 2025-2027 LTIP calculation) | $3.14<br><sup>(2)</sup> |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) At the discretion of the Compensation Committee, operating earnings and operating margin may be adjusted to exclude the impact of any gains, losses, or unbudgeted expenses deemed unusual and/or non-recurring for incentive plan purposes. The Compensation Committee approved such adjustments to calculate the total Company short-term incentive plan ("STIP") payment for 2025. In addition, actual results were adjusted to neutralize the impact of foreign exchange rates.

&nbsp;&nbsp;&nbsp;&nbsp;(2) For the 2025-2027 LTIP performance-based cash award ("Award"), earnings per share of $0.89 (adjusted per the terms of the LTIP plan) was used as the baseline and a 10% CAGR was applied to determine the aggregate 3-year objective. For purposes of the 2025-2027 Award, "earnings per share" means U.S. GAAP consolidated net income attributable to shareholders of the Company with certain defined exclusions, divided by the weighted average of CRD-A and CRD-B diluted shares outstanding. Adjusted net income, for purposes of the 2025 Award, excludes any material gains, or unbudgeted expenses deemed unusual and/or non-recurring as approved by the Compensation Committee.

#### Elements of Compensation
In the compensation philosophy, approved by the Compensation Committee, there are generally three key elements used in the Company's executive compensation program: (1) base salary, (2) an annual cash incentive opportunity and (3) long-term time-based incentive stock awards and a long-term performance-based cash incentive opportunity. In addition, from time to time when circumstances merit an award, the Compensation Committee may make discretionary cash or equity bonus awards.

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| | | | |
|:---|:---|:---|:---|
|  | **Base Salary**  | **Annual Cash Incentive**  | **Long-Term Incentives**  |
| Form of compensation  | Cash  | Cash  | Cash and Equity  |
| Type  | N/A  | Annual Cash Incentive  | Time-Vested Restricted Stock Units<br>Performance Based Cash Awards |
| Purpose  | Pay for individual job<br>performance and merit  | Incentivize achievement of annual financial and operating goals  | Reward creation of shareholder value over a long-term period  |
| Performance<br>Measures  | N/A  | Revenue <br>Adjusted Operating Earnings<br>Adjusted Operating Margin  | Adjusted Earnings Per Share |

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Both annual and long-term incentive opportunities are considered at-risk pay. Discretionary bonus awards, if any, may be in the form of cash or equity, and may be granted with or without performance or time-based vesting requirements.

In addition to base salary, annual cash incentives and long-term incentives, we typically provide certain other compensation and benefits, such as participation in the Company's health and welfare or retirement benefit plans generally available to all employees, and limited perquisites that we believe are necessary or appropriate in the marketplace to allow us to attract and retain executive talent, but that we do not expect to comprise a material portion of compensation in a year. In addition, our senior executive officers are provided with enhanced life and disability insurance to further support the retention elements of our program.

The Compensation Committee generally does not, and in 2025 did not, follow a precise formula for allocating between these key elements of compensation or in considering whether to grant any discretionary bonus awards, or the type thereof to our executive officers. Each element of compensation generally operates independently of any other and is designed to motivate towards, and reward, a different component of behaviors and results. As a result, except in limited circumstances, the Compensation Committee does not believe that it is appropriate for payment (or lack thereof) of one element in any period to impact payment of any other elements.

The Compensation Committee, however, does review information that compares each element of compensation, both separately and in the aggregate, to amounts paid by comparator companies for executives in similar roles, and believes it appropriate to target each element of compensation near the median, or midpoint, of compensation paid by such companies.

#### Role of the Compensation Committee and Administration of Compensation
The primary responsibilities of the Compensation Committee, among its other responsibilities, are to:

● annually review the Company's goals and objectives relative to CEO and other executive officer compensation, including, as the Compensation Committee deems appropriate, consideration of the Company's performance and relative shareholder return, the value and construct of compensation packages for comparable positions at comparable companies and the cash, equity and other compensation paid to the Company's executive officers in past years;

● annually review, evaluate and update, as appropriate, the components of the Company's executive compensation programs in view of those goals and objectives, and set compensation levels for the Company's executive officers;

● annually evaluate the CEO's and the other executives' performance in light of established goals and objectives, and approve compensation to be paid with respect to such performance, including certifying the degree of achievement of performance goals under the terms of performance-based compensation programs;

● review and make recommendations to the Board of Directors regarding the approval and adoption of, and any amendments to, the Company's compensation plans for executives, including incentive compensation plans and equity-based plans; and

● in light of the foregoing, consider and, when appropriate, grant cash bonuses, stock options, performance share units, restricted stock, long-term cash incentives and other awards under the Company's cash and equity incentive compensation plans.

As noted above, the Compensation Committee also monitors the design and administration of the Company's overall incentive compensation programs to ensure that they include appropriate safeguards to avoid encouraging unnecessary or excessive risk taking by Company executives, including our named executive officers.

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#### Role of Certain Executive Officers in Executive Compensation Matters
Although the Compensation Committee makes the final decisions regarding executive compensation, our executive officers also play a role with respect to the setting and determination of the annual cash portion of executive compensation, including base salary and any annual cash incentive compensation opportunities. Certain executive officers make recommendations to our Compensation Committee with respect to the setting of performance goals for executive officers (other than themselves) under our incentive compensation plans and the assessment of the individual performance of other executive officers who are direct reports to such officers. As a result of regular interaction, the Compensation Committee believes these executive officers are best able to provide appropriate personal insight as to the performance of their direct reports as well as overall performance trends of executives of the Company. Our Compensation Committee relies, in part, on this information in connection with its overall assessment as to the adequacy and appropriateness of executive compensation as well as the compensation programs of the Company as a whole. Our Compensation Committee has the discretion to consider any such recommendations when determining overall executive compensation. The Chief Executive Officer does not make recommendations regarding his own compensation to the Compensation Committee.

#### Independent Compensation Consultants
The Compensation Committee's charter provides for the Compensation Committee to retain and terminate, in its sole discretion, any compensation consultant which assists in the evaluation of director, CEO or other executive compensation. The Compensation Committee has the sole authority to select such consultant and to approve the consultant's fees and other retention terms. In 2025, the Compensation Committee engaged Pay Governance LLC to advise it on executive, board of directors and general compensation matters for the Company, including a review of the peer group, a review of stock ownership guidelines for executives and directors and assisting with incentive plan design changes. In connection with such advice, Pay Governance LLC provided competitive market intelligence regarding executive officer and director compensation levels in the market, conducted an independent risk assessment of our executive compensation programs, assisted in a review of the executive long-term incentive plan and provided an update on trends and developments in executive compensation. Pay Governance LLC does not have a relationship with, nor did it provide any services to, the Company other than the engagement by the Compensation Committee and, taking into account the six advisor independence factors recommended by the SEC to guide companies in determining the independence of compensation consultants, the Compensation Committee concluded that the work of Pay Governance LLC did not raise any conflicts of interest that are required to be disclosed and provides the Compensation Committee with objective and independent compensation advisory services.

#### Benchmarking
For purposes of benchmarking 2025 compensation levels and target pay opportunities, compensation of the Company's executive officers was benchmarked against target compensation for similar positions in the market. As noted above, the Compensation Committee targets each element of compensation within a competitive range around the median, or midpoint, of compensation paid in the market. Due to the limited number of direct competitors of the Company that are both publicly traded and in a similar line of business, the Compensation Committee worked with Pay Governance LLC to develop a customized benchmarking approach. In 2025, the Compensation Committee continued to use that multi-pronged approach to fully inform the Compensation Committee's perspective. Where available, multiple data points were used across the following two categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. General Industry Survey Data (Size-Adjusted using revenue regression or tabular cuts to approximate Crawford's annual revenues); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Customized Business Services Industry Comparator Group.

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The Customized Business Services Industry Comparator Group for 2025 was as follows:

AMN Healthcare Services, Inc.

Barrett Business Services Inc.

CBIZ, Inc.

CorVel Corporation

Cross Country Healthcare, Inc.

CSG Systems International, Inc.

Kforce Inc.

Mistras Group, Inc.

Resources Connection

Robert Walters plc

SThree plc

True Blue, Inc.

The Business Services Industry Comparator Group was updated in 2025 to remove Agiliti, Inc. as it was taken private and HireRight Holdings Corporation as it was acquired, and add AMN Healthcare Services, Inc. and True Blue, Inc.

#### Compensation and Risk Management
The Compensation Committee annually evaluates whether our executive compensation programs encourage excessive or unnecessary risk taking. The Compensation Committee believes that our executive compensation philosophy does not encourage excessive or unnecessary risk taking. By dividing our executives' compensation into base salary, annual cash incentive compensation and long-term equity and cash incentive compensation, the Compensation Committee believes it appropriately weighs the performance-based compensation our executives may earn between short-term and long-term goals. Additionally, both short-term and long-term incentive compensation award opportunities are capped at a set percentage of an executive's applicable target award, affording protection against disproportionately large incentives. Our long-term equity compensation is paid in the form of opportunities to earn shares of the Company's Class A Common Stock or cash awards, and the Compensation Committee may provide that such awards are both earned and vested over time. We believe performance goals coupled with time-based vesting for equity awards further encourages our executives' sustained focus on the long-term performance of the Company. Further, the adoption of best practice risk mitigating policies like stock ownership guidelines, prohibition on hedging and pledging shares and a clawback policy further moderate potential risks in the incentive plans. In 2025, Pay Governance LLC conducted an independent assessment of potential risks within the Company's executive incentive plans. After reviewing these results, the Committee concluded that the plans were not likely to create material risk for the enterprise and the plans struck the appropriate balance between motivating performance and mitigating risk.

#### Stock Ownership Guidelines
The Compensation Committee believes long-term incentives, when coupled with our executive stock ownership guidelines, promote appropriate alignment of our executives' interests with those of the Company's Shareholders. Executives are considered to have achieved the guideline when either of the thresholds, multiple of base salary or number of shares, are achieved. Shares owned outright and time-vested restricted shares/units count toward satisfaction of our guidelines. Unexercised stock options are not counted as shares owned for purposes of meeting the ownership thresholds. The following table reflects the guidelines:

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| | | | |
|:---|:---|:---|:---|
| <br>**Executive Level** | **Multiple**<br>**of Base Salary** |  | **Number**<br>**of Shares** |
| CEO | 3.0x | Or  | 300,000 |
| President | 2.5x | Or  | 250,000 |
| Chief Financial Officer | 2.0x | Or  | 200,000 |

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Until the ownership guideline is achieved, the executive is expected to retain at least 75% of the shares received upon exercise of an option or vesting of time-based restricted stock units, after payment of exercise price and withholding and payroll taxes. Executives who do not comply with these guidelines will not be permitted to sell or dispose of the Company stock until they reach the required ownership target.

Our named executive officers comply with the stock ownership guidelines.

#### Prohibition on Hedging and Pledging of Company Stock
The Company has established a policy broadly prohibiting our employees and directors from engaging in any speculative, short-term, or hedging activities (or activities that are designed to hedge) with respect to securities of the Company (including prepaid variable forward contracts, equity swaps, collars, and exchange funds), without exceptions. In addition, members of the Board of Directors and officers may not engage in pledging Company securities as collateral to secure debt or engage in transactions where the Company's securities are held in a margin account.

#### Incentive Compensation Recovery (Clawback) Policy
The Compensation Committee adopted, effective July 28, 2023, a revised Executive Compensation Clawback and Recoupment Policy (the "Clawback Policy") in compliance with Exchange Act Rule 10D and the corresponding NYSE listing standards that apply to the Company's current and former executive officers. In the event the Company is required to restate its financial statements, the Compensation Committee is authorized to recover "incentive compensation" awarded to current and former executive officers of the Company in accordance with the Clawback Policy.

In addition, regardless of whether there is an accounting restatement, the Compensation Committee may recover incentive compensation if the Board of Directors or Compensation Committee determines in their sole discretion that an officer has engaged in fraud, theft, misappropriation, embezzlement, dishonesty, or other misconduct to the material detriment of the Company. "Incentive compensation" is generally compensation that is granted, earned, or vested based wholly or in part upon the attainment of a financial reporting measure. Under the Clawback Policy, the Company may recover the amount of incentive-based compensation received by the executive officer, during an applicable three fiscal year recovery period immediately preceding an accounting restatement trigger date, that exceeds the amount of incentive-based compensation that otherwise would have been received during such period had it been determined based on the relevant restated financial measure. The Compensation Committee has exclusive authority to administer and enforce the provisions of the Clawback Policy. The Company may not indemnify any such executive officer against the loss of such recovery compensation. The Clawback Policy reflects the Company's culture that emphasizes high standards of integrity.

**Equity Grant Policy and Procedures**

The Company's policy is to grant stock options and other similar awards in the ordinary course of business in connection with our annual compensation program, hiring new employees, and in recognition of the retention or promotion of employees from time to time. The Company does not grant stock options or similar awards in anticipation of the release of material non-public information, such as a significant positive or negative earnings announcement, and does not time the public release of such information based on stock option grant dates. In addition, it is the Company's policy to not grant stock options or similar awards at any time during the four business days prior to or the two business days following the filing of the Company's periodic reports or the filing or furnishing of a Form 8-K that discloses material non-public information (each, a "Filing Window").

Under the Company's current practices, executive officers do not choose or have influence over the grant date for their individual stock option grants. Stock option grants to the Company's executive officers are generally approved annually at a meeting of the Company's Compensation Committee that is held during the first quarter of each year, and the grants are generally effective immediately after the meeting on which the grants are eligible to be made under our grant policies discussed above. Stock options have not been granted to executive officers since February of 2020.

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During the period covered by this Proxy Statement, we have not timed the disclosure of material non-public information for the purpose of affecting the value of executive compensation.

**Insider Trading Policy**

The Company is committed to promoting high standards of ethical business conduct and compliance with applicable laws, rules and regulations. As part of this commitment, the Company has an Insider Trading Policy which is applicable to the Company's directors, officers, and all employees of, and consultants and contractors to, the Company. The Insider Trading Policy governs the purchase, sale, and/or other dispositions of the Company's securities and prohibits purchasing or selling any securities of the Company while a person covered by the Insider Trading Policy is aware of material, non-public information concerning the Company. The Company believes that its Insider Trading Policy is reasonably designed to promote compliance with insider trading laws, rules and regulations, and the exchange listing standards of the New York Stock Exchange. A copy of the Company's Insider Trading Policy is filed with the SEC as an exhibit to its most recent annual report on Form 10-K.

#### Components of Compensation
*Base Salary*

For certain executive officers, including the named executive officers, the Company believes that it is appropriate to enter into written employment agreements with such persons. These agreements typically provide for, among other things, a minimum base salary, which was determined based on negotiations with the applicable person and the Compensation Committee's overall compensation philosophy discussed above, at the time of hire or the entry into such agreement, as applicable. For additional information on our employment agreements with our named executive officers, see "Employment and Change in Control Arrangements" below.

The Compensation Committee typically re-evaluates the base salary of the CEO on an annual basis. In connection with this evaluation, the Compensation Committee performs an assessment of personal performance during the preceding year, historical and expected contributions to the Company. For both establishing and re-evaluating the base salary of the CEO, the Compensation Committee, with the assistance of its independent compensation consultant, also evaluates overall market conditions, both within the Company's comparator group and otherwise, including competitive market data to see how the CEO's pay level compares to that of comparable positions at other companies.

Based on a variety of data (including published national surveys, recent and anticipated Company performance, discussions with the Compensation Committee, and other relevant information), the CEO annually considers and recommends to the Compensation Committee any increases in the base salaries of our other named executive officers for the next fiscal year. Salary increases for Messrs. Swain, Hoberman and Bart reflected annual pay review increases, with Mr. Bart's percentage increase also reflecting the effect of exchange rates between the U.K. and the U.S. when converted to U.S. dollars.

The following salary increases were made between 2024 and 2025.

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| | | | |
|:---|:---|:---|:---|
|  | **2024 Salary** | **2025 Salary** | **% Change** |
| Mr. Verma | $805000 | $805000 | —% |
| Mr. Swain | 485000 | 500000 | 3.1% |
| Mr. Bart | 438757 | 459524 | 4.7% |
| Mr. Thomas | 485000 | 485000 | —% |
| Mr. Hoberman | 400000 | 415000 | 3.8% |

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*Annual Cash Incentive Opportunity*

Annual cash incentive award opportunities are intended to align our annual performance and results with the compensation paid to the persons who are most responsible for such performance, and to motivate and reward achievement of operational and strategic business goals. For 2025, the Compensation Committee approved award

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opportunities for our executive officers, including our named executive officers. These awards were granted under the Company's STIP, a component of the Crawford & Company 2016 Management Team Incentive Compensation Plan (the "Management Team Incentive Compensation Plan"). Under the STIP, each participating executive officer is provided advance goals that can, from year to year, include corporate, segment and individual targets, weighted appropriately for the executive's position in the Company. Award payout eligibility generally requires, among other things, continued employment through the date of the actual payout. Final payments pursuant to the STIP are at the discretion of the Compensation Committee.

For each of the named executive officers, the Compensation Committee established threshold, target and maximum award opportunity levels (as a percentage of 2025 annual base salary) for purposes of the STIP after taking into account market-competitive factors and any contractually mandated payout levels contained in applicable employment agreements. The STIP award opportunities (set out as a percentage of each named executive officer's 2025 annual base salary) were as set out below:

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| | | | |
|:---|:---|:---|:---|
|  | **Threshold Award** <br>**Opportunity (as a** <br>**percentage of** <br>**base salary)** | **Target Award** <br>**Opportunity (as a** <br>**percentage of** <br>**base salary)** | **Maximum Award** <br>**Opportunity (as a** <br>**percentage of** <br>**base salary)** |
| Mr. Verma | 30.00 | 100.00 | 200.00 |
| Mr. Swain | 19.50 | 65.00 | 130.00 |
| Mr. Bart | 17.25 | 57.50 | 115.00 |
| Mr. Thomas | 17.25 | 57.50 | 115.00 |
| Mr. Hoberman | 15.00 | 50.00 | 100.00 |

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For 2025, the Compensation Committee selected performance under the following metrics as the basis for award opportunities, as these metrics are used by management to evaluate and analyze results and the impact on the Company of strategic decision making, and which the Compensation Committee considers as important to the Company and representative of the Company's success in achieving operational and financial improvements:

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| | |
|:---|:---|
| **Metric**  | **Weight** |
| Revenue | 25% |
| Adjusted Operating Earnings | 50% |
| Adjusted Operating Margin/DSO (select geographies/business lines) | 25% |

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Given the Company's focus on growth, revenue is one of the primary metrics measured for determining the Company's success in achieving operational and financial objectives under the 2025 plan. Operating earnings is a primary financial performance measure used by the Company's senior management to evaluate the financial performance of the Company and to make resource allocation decisions. For select segments, including the named executive officers, operating margin was added to address historical underperformance in operating margin contribution. The Compensation Committee considers revenue, operating earnings and operating margin as appropriate metrics for determining payouts under the STIP.

At the discretion of the Compensation Committee, operating earnings and operating margin may be adjusted to exclude the impact of any gains, losses, or unbudgeted expenses deemed unusual and/or non-recurring. We believe adjusting operating earnings and operating margins to exclude these items results in a more accurate measure of our core operating performance. All metrics are neutralized for the impact of foreign exchange.

STIP awards were deemed earned for a relevant metric only if actual performance exceeded the specified threshold level. If actual performance did not exceed the threshold level of any metric, no payout was made under that metric. If actual performance equaled target levels, participating executive officers were entitled to 100% of the target STIP award applicable to that metric. If actual performance for one or more metrics was between threshold and target levels, or target and maximum levels, the participating executive officers were entitled to a ratable portion of the STIP award based upon linear formulas.

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Goals for each relevant financial metric under the STIP were set at target levels as contained in the Company's 2025 internal operating plan. Threshold and maximum goals were set at the percentages of the target level. The following table sets forth the 2025 threshold and maximum goals for total company for each relevant financial metric under the STIP:

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| | | |
|:---|:---|:---|
|  | **Threshold Goal (as a** <br>**percentage of target)** | **Maximum Goal (as a** <br>**percentage of target)** |
| Revenue | 95% | 110% |
| Adjusted Operating Earnings | 90% | 115% |
| Adjusted Operating Margin/DSO (select geographies/business lines) | 95% | 110% |

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A funding threshold is added to the plan which must be met for any STIP payment to be made. The funding threshold required the Company to achieve a minimum of $70,000,000 in operating earnings and $1,179,900,000 in revenue in 2025. Any performance below these funding thresholds would reduce the total STIP pool available for payout to zero. These metrics were measured at and applied on a Company-wide and segment-specific basis. For all the named executive officers, 100% of their award opportunities were allocated to the achievement of these metrics, based on overall performance. In addition, in order to limit the impact of severe weather volatility on STIP calculations for select business lines which are strongly impacted by severe weather events and to reward participants in these select business lines, the STIP funding is calculated based on a business as usual ("BAU") measurement and a weather-impacted measurement of 95% BAU/5% weather for total company and 90% BAU/10% weather for select business lines.

With respect to the total company revenue portion of the award, the target performance goal was below target but above threshold which resulted in funding of 88.3%, with respect to the total company operating earnings portion of the award, the threshold performance goal was below target but above threshold which resulted in funding of 90.8%, and with respect to the total company operating margin portion of the award, performance was below target but above threshold which resulted in funding of 93.2%. Based on this performance, the achievement factor was 91% of target for those measurements on a total company basis. Payout factors are not 1:1 with the performance factor as threshold performance earns a 30% payout, target performance earns a 100% payout and maximum performance earns a 200% payout. Payouts for performance between levels are interpolated on a straight-line basis.

The following tables set forth the applicable threshold, target and maximum performance goals, and actual performance, for the corporate-wide metrics in 2025 which applied to Mr. Verma and Mr. Swain.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Corporate** | **Threshold** | **Target** | **Maximum** | **Actual** <sup>(1)</sup> |
| Revenue | $1245500 | $1311000 | $1442100 | $1168100 |
| Adjusted Operating Earnings | $84000 | $93300 | $107300 | $78900 |
| Adjusted Operating Margin <sup>(2)</sup> | 6.76% | 7.12% | 7.85% | 6.75% |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) As noted above, the Compensation Committee, in its discretion, approved the exclusion of certain unbudgeted expenses deemed unusual and/or non-recurring when determining operating earnings and operating margin which was used to calculate the total company STIP payment. In addition, actual results were adjusted for foreign exchange impact.

&nbsp;&nbsp;&nbsp;&nbsp;(2) The operating margin performance goals for Messrs. Bart, Thomas and Hoberman were specific to their Business Unit responsibilities and are not disclosed due to the potential that doing so could cause competitive harm to the Company. Their revenue and operating earnings goals were consistent with those used for the Corporate-wide plan.

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Based on this 2025 performance, the actual STIP payouts approved by the Compensation Committee for the NEOs are set forth below.

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| | | |
|:---|:---|:---|
|  | **Actual Award**<br>**(in dollars)** | **Actual Award**<br>**(as a percentage of target)** |
| Mr. Verma <sup>(1)</sup> |  | —% |
| Mr. Swain | $286069 | 90.7% |
| Mr. Bart | 336193 | 117.5% |
| Mr. Thomas | 188095 | 67.5% |
| Mr. Hoberman | 197675 | 98.8% |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) STIP was forfeited by Mr. Verma when he resigned.

*Long-Term Incentive Opportunity for 2025*

The Compensation Committee designed the Company's long-term incentive compensation program with a goal of incentivizing management towards creating long-term shareholder value. For 2025, long-term incentive plan ("LTIP") award opportunities were granted to our NEOs under the terms of the Crawford & Company 2016 Omnibus Stock and Incentive Plan (the "Omnibus Stock Plan"), and, if earned, were payable in shares of the Company's Class A Common Stock or cash for time-vested awards, based on the executive's election at the time of grant and payable in cash for performance based awards. Final payments pursuant to LTIP awards are at the discretion of the Compensation Committee.

The 2025 LTIP awards were based on a target award value, 50% of which was denominated and granted as performance cash awards, conditioned on Company performance described below (the "Performance Award"), and 50% of which were granted as time-vested restricted stock units which vest ratably over three years based on the continued employment of the executive (the "Time-Vested Award"). The Time-Vested Award can be settled in shares or cash at the participant's election. The target value and breakout by award vehicle for each named executive officer are set forth below.

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| | | | |
|:---|:---|:---|:---|
|  | <br>**Target Value ($)** | **Performance**<br>**Vested Award 50%** | **Time Vested**<br>**Award 50%** |
| Mr. Verma | $1000000 | $500000 | $500000 |
| Mr. Swain | 500000 | 250000 | 250000 |
| Mr. Bart | 500000 | 250000 | 250000 |
| Mr. Thomas | 500000 | 250000 | 250000 |
| Mr. Hoberman | 500000 | 250000 | 250000 |

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For 2025, each NEO elected to receive 100% of their LTIP time-vested awards in units settled in shares.

The Performance Awards are earned based on 2025-2027 cumulative earnings per share. The Compensation Committee selected earnings per share as the financial metric for determining payouts under the Performance Awards due to its correlation with the creation of value for shareholders. If the Company's 2025-2027 cumulative earnings per share is at least $2.42, 25% of the Performance Award will be earned. If the Company's 2025-2027 cumulative earnings per share is at least $3.06, up to $3.22, the "target" level, 100% of the Performance Award will be earned. If the Company's 2025-2027 cumulative earnings per share is $3.87 or greater, 200% of the Performance Award will be earned. The percentage of Performance Awards earned will be adjusted ratably for cumulative earnings per share between $2.42 and $3.06 as well as $3.22 and $3.87 but the target payment would be constant at 100% for cumulative earnings per share between $3.06 and $3.22. None of these Performance Awards will be earned if cumulative earnings per share are less than $2.42. For purposes of calculating earnings per share under the Performance Awards, certain additional adjustments are made to the earnings per share reported by the Company. See note 2 to the table set forth under "Overview" above.

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*Shares Earned from the 2023 to 2025 Performance Vested Awards*

The Company's earnings per share performance for the 2023-2025 award was $2.55, which was below the target level but above the threshold level resulting in 78% of target shares being earned from the 2023-2025 award period. The Compensation Committee certified the payout for the 2023-2025 award period.

*Other Elements of Compensation*

Based on market competitive practices and internal factors, the Compensation Committee believes that it is appropriate that our executive officers be eligible to participate in other compensation plans offered to our employees. Mr. Swain and Mr. Thomas participate in a non-contributory qualified retirement plan that was frozen as of December 31, 2002. All U.S. based named executive officers are also eligible to participate in a qualified 401(k) plan (the "401(k) Plan") and a nonqualified supplemental executive retirement plan. Our executive officers are also offered the opportunity to participate in a similar nonqualified deferred compensation plan. Benefits under the qualified and nonqualified retirement plans are not directly tied to Company performance. The Company also provides life insurance benefits, disability insurance benefits, and automobile allowances for certain executives, including the named executive officers, as noted in the Summary Compensation Table, below. Our named executive officers are also party to employment arrangements that provide severance and change-in-control protection.

*Tax and Accounting Considerations; Deductibility of Executive Compensation*

In evaluating compensation program alternatives, the Compensation Committee has considered the potential impact on our Company of Section 162(m) of the Internal Revenue Code. Section 162(m) generally disallows a tax deduction to public corporations for compensation over $1 million paid for any fiscal year to their chief executive officer and certain other named executive officers ("Covered Employees"). An exemption from the $1 million deduction limit for performance-based compensation was generally repealed by the Tax Cuts and Jobs Act in 2017. Although the previously available exemption is generally no longer available, the Compensation Committee endeavors to focus on performance-based components of executive compensation in making its decisions for our Covered Employees, while retaining maximum flexibility in designing compensation programs that are in the best interests of our Company and our Shareholders, even if that approach may result in payments which are not deductible under Section 162(m).

[**Table of Contents**](#TOC)

#### SUMMARY OF CASH AND CERTAIN OTHER COMPENSATION

#### Summary Compensation Table
The following tables provide information concerning compensation paid to, or accrued by the Company, for our named executive officers at December 31, 2025.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| <br>**Name and Principal** <br>**Position** | <br>**Year** | <br>**Salary**<br>**($)** | <br>**Bonus**<br>**($)** | <br>**Stock**<br>**Awards**<br>**($)**<sup>(1)</sup> | <br>**Option**<br>**Awards**<br>**($)**<sup>(1)</sup> | <br>**Non-Equity**<br>**Incentive**<br>**Plan**<br>**Compensation**<br>**($)**<sup>(2)</sup> | **Change in**<br>**Pension**<br>**value and**<br>**Nonqualified**<br>**Deferred**<br>**Compensation**<br>**Earnings**<br>**($)**<sup>(3)</sup> | <br>**All**<br> **Other**<br> **Compensation**<br>&nbsp;&nbsp;&nbsp;&nbsp; **($)**<sup>(4)</sup> | <br>**Total ($)** |
| R. Verma | 2025 | $805000 |  | $479159 |  |  | $50501 | $59469 | $1394129 |
| &nbsp;&nbsp;&nbsp;President and | 2024 | 803293 |  | 948513 |  | $307157 | 58547 | 46128 | 2163638 |
| &nbsp;&nbsp;&nbsp;Chief Executive Officer  | 2023 | 716250 |  | 866316 |  | 661686 | 49947 | 60326 | 2354525 |
| W.B. Swain | 2025 | $498269 | $25417 | $239574 |  | $286069 | $38081 | $38292 | $1125702 |
| &nbsp;&nbsp;&nbsp;Executive Vice President, | 2024 | 484808 |  | 474257 |  | 106408 | 25150 | 29307 | 1119930 |
| &nbsp;&nbsp;&nbsp;Chief Financial Officer | 2023 | 475000 |  | 455954 |  | 296845 | 45490  | 37400 | 1310689 |
| A. J. Bart<sup>(5)</sup> | 2025 | $471344 |  | $239574 |  | $336193 |  | $115787 | $1162898 |
| &nbsp;&nbsp;&nbsp;Chief Executive Officer | 2024 | 446999 |  | 474257 |  | 222405 |  | 154665 | 1298326 |
| &nbsp;&nbsp;&nbsp;International Operations | 2023 | 416563 |  | 455954 |  | 350109 |  | 149113 | 1371739 |
| L.C. Thomas | 2025 | $485000 |  | $239574 |  | $188095 | $38033 | $40879 | $991581 |
| &nbsp;&nbsp;&nbsp;Executive Vice President; | 2024 | 484798 |  | 474257 |  | 106408 | 9752 | 26421 | 1101636 |
| &nbsp;&nbsp;&nbsp;Global President-Platform Solutions | 2023 | 474500 |  | 455954 |  | 285725 | 36354 | 38023 | 1290556 |
| M.J. Hoberman | 2025 | $412115 |  | $249990 |  | $197675 | $5197 | $258737 | $1123714 |
| &nbsp;&nbsp;&nbsp;Senior Vice President; | 2024 | 399327 |  | 474257 |  | 176312 | 5138 | 161799 | 1216833 |
| &nbsp;&nbsp;&nbsp;President, TPA North America | 2023 | 359615 |  | 331728 |  | 252141 | 3763 | 55203 | 1002450 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) The values of equity-based awards in this column represent the grant date fair value of the awards in accordance with ASC 718. However, pursuant to SEC rules these values are not reduced by an estimate for the probability of forfeiture. See Note 11 of the consolidated financial statements in Item 8 of the Company's Annual Report regarding assumptions underlying the valuation of equity awards. The amounts disclosed here include payout, at Target performance, for our Performance Share Units. See the Grants of Plan-Based Awards table for the range of potential payouts under the Performance Share Units.

&nbsp;&nbsp;&nbsp;&nbsp;(2) See the section "Compensation Discussion and Analysis" for a discussion of how these amounts were calculated.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Represents the following amounts for 2025: (i) Mr. Swain: $37,874 preferential earnings from the Deferred Compensation Plan and $207 actuarial increase in pension value; (ii), Mr. Verma and Mr. Hoberman: $50,501 and $5,197, respectively, preferential earnings from the Deferred Compensation Plan; and (iii) Mr. Thomas: $43,099 preferential earnings from the Deferred Compensation Plan and ($5,066) actuarial decrease in pension value.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Represents the following amounts for 2025: (i) Mr. Verma: a $33,599 Company contribution to the Deferred Compensation Plan; a $10,350 Company contribution to the 401(k) Plan; $3,261 in premium payments on term life insurance; $259 in gift cards; and $12,000 for a company car allowance; (ii) Mr. Swain: a $11,675 Company contribution to the Deferred Compensation Plan; a $10,073 Company contribution to the 401(k) Plan; $4,395 in premium payments on term life insurance; $83 gift card; and $12,066 on a company car; (iii) Mr. Bart: a $8,731 contribution to pension costs; a $4,165 private travel allocation; a $64,080 payment for housing and incremental living expenses; a $18,597 payment for accrued vacation time; and $20,214 for a company car allowance; (iv) Mr. Thomas: a $12,766 Company contribution to the Deferred Compensation Plan; a $10,350 Company contribution to the 401(k) Plan; $7,183 in premium payments on term life insurance; and $10,580 for a retirement gift; and (v) Mr. Hoberman: $212,416 for sales commission; a $18,422 Company contribution to the Deferred Compensation Plan; a $10,350 Company contribution to the 401(k) Plan; $3,593 in premium payments on term life insurance; $10,744 for an annual fitness membership and $3,212 on a company car.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Compensation for Mr. Bart was paid in British pounds sterling in 2023, 2024 and the first quarter of 2025 and converted to U.S. dollars using the average exchange rate in effect for each particular year. His compensation for the balance of 2025 was paid in Australian dollars and converted to U.S. dollars using the average exchange rate for 2025. Amounts are determined based on payments in the fiscal year of the Company, and not the fiscal year of the Company's international subsidiaries, which may differ from the fiscal year of the Company.

[**Table of Contents**](#TOC)

#### Grants of Plan-Based Awards
The Company maintains the Omnibus Stock Plan under which awards of performance share units, restricted stock or stock options may be granted to specified employees of the Company. The Omnibus Stock Plan was adopted at the Company's 2016 annual meeting of shareholders, and effective May 11, 2016. Non-equity short-term incentive plan cash awards are paid pursuant to the Company's STIP. The following table sets forth certain information with respect to awards granted during or for the fiscal year ended December 31, 2025, to each of our named executive officers. All equity awards are payable in shares of Class A Common Stock.

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | **Estimated Possible** | **Estimated Possible** | **Estimated Possible** | **Estimated Possible** | **Estimated Possible** | **Estimated Possible** | | | | |
| | | **Payouts Under Non-Equity**  | **Payouts Under Non-Equity**  | **Payouts Under Non-Equity**  | **Payouts Under Long-Term Cash** | **Payouts Under Long-Term Cash** | **Payouts Under Long-Term Cash** | | | | |
| | | **Incentive Awards**<sup>(1)</sup> | **Incentive Awards**<sup>(1)</sup> | **Incentive Awards**<sup>(1)</sup> | **Incentive Plan Awards**<sup>(2)</sup> | **Incentive Plan Awards**<sup>(2)</sup> | **Incentive Plan Awards**<sup>(2)</sup> | | | | |
| <br>**Name and Position** | <br>**Grant Date** | **Minimum**<br>**($)** | **Target**<br>**($)** | **Maximum**<br>**($)** | **Threshold**<br>**($)** | **Target**<br>**($)** | **Maximum**<br>**($)** | **All**<br>**Other**<br>**Stock**<br>**Awards:**<br>**Number of**<br>**Shares of**<br>**Stock**<br>**Units**<br>**(#)** | **All**<br>**Other**<br>**Option**<br>**Awards:**<br>**Number of**<br>**Securities**<br>**Underlying** <br>**Options**<br>**(#)** | <br>**Exercise**<br>**or Base**<br>**Price of**<br>**Option** <br>**Awards**<br>**($)** | **Grant**<br>**Date**<br>**Fair**<br>**Value**<br>**of Stock**<br>**and**<br>**Option**<br>**Awards**<br>**($)**<sup>(3)</sup> |
| R. Verma | 2/5/2025 | $0 | $800000 | $1600000 | $125000 | $500000 | $1000000 | 40849 |  |  | $479159 |
| W. B. Swain | 2/5/2025 | 0 | 315250 | 630500 | 62500 | 250000 | 500000 | 20424 |  |  | 239574 |
| A. J. Bart | 2/5/2025 | 0 | 286249 | 572498 | 62500 | 250000 | 500000 | 20424 |  |  | 239574 |
| L. C. Thomas | 2/5/2025 | 0 | 278875 | 557750 | 62500 | 250000 | 500000 | 20424 |  |  | 239574 |
| M. J. Hoberman | 2/5/2025 | 0 | 200000 | 400000 | 62500 | 250000 | 500000 | 20424 |  |  | 249990 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Amounts represent the potential payout of awards granted under the STIP. These awards were granted subject to the attainment of certain performance targets. The performance targets and target award multiples for determining the payout are described under "Compensation Discussion and Analysis Annual Cash Incentive Opportunity." Actual amounts paid under the STIP to the named executive officers are reported in the Summary Compensation Table under the "Non-Equity Incentive Plan Compensation" column.

&nbsp;&nbsp;&nbsp;&nbsp;(2) The 2025 LTIP performance-based grants were denominated in and will be settled in cash if earned at the end of the applicable cliff vesting period. This represents the potential cash awards payable under the LTIP. These awards are subject to the attainment of certain performance targets. The performance targets and target award multiples for determining the payout are described under "Compensation Discussion and Analysis Long-Term Incentive Opportunity."

&nbsp;&nbsp;&nbsp;&nbsp;(3) The grant date fair value of awards granted under the LTIP to the named executive officers was determined as reported in the Summary Compensation Table under the "Stock Awards" column.

[**Table of Contents**](#TOC)

**Outstanding Equity Awards at December 31, 2025**

The following table sets forth certain information with respect to outstanding equity awards at December 31, 2025 of each of our named executive officers. All equity awards are payable in shares of Class A Common Stock.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Option Awards**  | **Option Awards**  | **Option Awards**  | **Option Awards**  | **Option Awards**  | **Stock Awards**  | **Stock Awards**  | **Stock Awards**  | **Stock Awards**  |
| <br>**Name** | <br>**Number of**<br>**Securities** <br>**Underlying**<br>**Unexercised** <br>**Options (#)** <br>**Exercisable** | <br>**Number of**<br>**Securities** <br>**Underlying**<br>**Unexercised** <br>**Options (#)** <br>**Unexercisable** | <br>**Equity**<br>**Incentive** <br>**Plan Awards:**<br>**Number of**<br>**Securities** <br>**Underlying**<br>**Unexercised** <br>**Unearned** <br>**Options** <br>**(#)** | <br>**Option**<br>**Exercise**<br>**Price**<br>**($)** | <br>**Option**<br>**Expiration** <br>**Date** | <br>**Number** <br>**of Shares**<br>**or Units** <br>**of Stock**<br>**That**<br>**Have Not**<br>**Vested** <br>**(#)** | <br>**Market**<br>**Value of** <br>**Shares or**<br>**Units of**<br>**Stock** <br>**That**<br>**Have Not**<br>**Vested** <br>**($)** | <br>**Equity**<br>**Incentive** <br>**Plan** <br>**Awards:**<br>**Number of**<br>**Unearned** <br>**Shares,** <br>**Units or**<br>**Other**<br>**Rights That**<br>**Have Not**<br>**Vested** <br>**(#)** | **Equity**<br>**Incentive**<br>**Plan**<br>**Awards:**<br>**Market or**<br>**Payout**<br>**Value of**<br>**Unearned**<br>**Shares,**<br>**Units or**<br>**Other**<br>**Rights**<br>**That Have**<br>**Not Vested**<br> **($)** |
| **R. Verma** |  |  |  |  |  |  |  | 41186<br><sup>(1)</sup>  | $463343 |
|  |  |  |  |  |  |  |  | 14004<br><sup>(2)</sup> | 157545 |
|  |  |  |  |  |  |  |  | 27369<br><sup>(3)</sup> | 307901 |
| **W. B. Swain** | 35919 |  |  | $9.22 | 2/08/2027 |  |  |  |  |
|  | 36010 |  |  | 8.60 | 2/07/2028 |  |  |  |  |
|  | 38880 |  |  | 9.70 | 2/11/2029 |  |  |  |  |
|  | 42319 |  |  | 9.01 | 2/10/2030 |  |  |  |  |
|  |  |  |  |  |  |  |  | 20593<br><sup>(1)</sup> | $231671 |
|  |  |  |  |  |  |  |  | 7003<br><sup>(2)</sup> | 78784 |
|  |  |  |  |  |  |  |  | 13685<br><sup>(3)</sup> | 153956 |
| **A. J. Bart** | 15000 |  |  | $6.52 | 5/11/2026 |  |  |  |  |
|  | 17959 |  |  | 9.22 | 2/08/2027 |  |  |  |  |
|  | 18005 |  |  | 8.60 | 2/07/2028 |  |  |  |  |
|  | 19440 |  |  | 9.70 | 2/11/2029 |  |  |  |  |
|  | 21160 |  |  | 9.01 | 2/10/2030 |  |  |  |  |
|  |  |  |  |  |  |  |  | 20593<br><sup>(1)</sup> | $231671 |
|  |  |  |  |  |  |  |  | 7003<br><sup>(2)</sup> | 78784 |
|  |  |  |  |  |  |  |  | 13685<br><sup>(3)</sup> | 153956 |
| **L. C. Thomas** | 35919 |  |  | $9.22 | 2/08/2027 |  |  |  |  |
|  | 36010 |  |  | 8.60 | 2/07/2028 |  |  |  |  |
|  | 38880 |  |  | 9.70 | 2/11/2029 |  |  |  |  |
|  | 42319 |  |  | 9.01 | 2/10/2030 |  |  |  |  |
|  |  |  |  |  |  |  |  | 20593<br><sup>(1)</sup> | $231671 |
|  |  |  |  |  |  |  |  | 7003<br><sup>(2)</sup> | 78784 |
|  |  |  |  |  |  |  |  | 13685<br><sup>(3)</sup> | 153956 |
| **M. J. Hoberman** |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  | 20593<br><sup>(1)</sup> | $231671 |
|  |  |  |  |  |  |  |  | 7003<br><sup>(2)</sup> | 78784 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Shares vest 100% on December 31, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Shares vested 33% on December 31, 2024 and December 31, 2025 and vest 34% on December 31, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Shares vested 33% on December 31, 2025, 33% vest on December 31, 2026 and 34% on December 31, 2027.

[**Table of Contents**](#TOC)

**Option Exercises and Stock Vested**

The following table provides information concerning stock awards vested during the most recent fiscal year with respect to the named executive officers. All such awards were exercised for shares of Class A Common Stock.

---

| | | | | |
|:---|:---|:---|:---|:---|
| <br>**Name** | **Option Awards**<br>**Number of**<br>**Shares**<br>**Acquired**<br>**on Exercise**<br>**(#)** | <br>**Value Realized**<br>**on Exercise**<br>**($)** | **Stock Awards**<br>**Number of**<br>**Shares**<br>**Acquired**<br>**on Vesting** <br>**(#)** | <br>**Value Realized**<br>**on Vesting**<br>**($)** |
| R. Verma |  |  | 113859 | $1280914 |
| W. B. Swain |  |  | 59211 | 666124 |
| A. J. Bart |  |  | 59211 | 666124 |
| L. C. Thomas |  |  | 59211 | 666124 |
| M. J. Hoberman |  |  | 29062 | 326948 |

---

#### Pension Benefits at December 31, 2025
The Company maintains a non-contributory retirement plan, the Crawford & Company Retirement Plan (the "Retirement Plan"), for the benefit of substantially all of the U.S. employees of the Company who were employed on or before December 31, 2002. The Retirement Plan provides for annual retirement benefits at a normal retirement age of 65 (the "Normal Retirement Age") equal to 2% of the participant's total compensation (as defined in the Retirement Plan) for all credited years of service under the Plan. The benefits are not affected by Social Security benefits payable to the participant; however, they are actuarially reduced for retirements before the Normal Retirement Age or if the retiree selects benefits other than an individual life-time annuity. Of our named executive officers, Messrs. Swain and Thomas participate in the Retirement Plan. Effective December 31, 2002, accruals under the Retirement Plan were frozen. The following table provides information concerning the pension benefits as of December 31, 2025 with respect to the named executive officers.

---

| | | | | |
|:---|:---|:---|:---|:---|
| <br>**Name** | <br>**Plan Name** | <br>**Years of**<br>**Credited**<br>**Service**<br>**(#)** | **Present**<br>**Value of**<br>**Accumulated**<br>**Benefits**<br>**($)** | <br>**Payments**<br>**During Last**<br>**Fiscal Year**<br>**($)** |
| R. Verma |  |  |  |  |
| W. B. Swain | Crawford & Company Retirement Plan | 10 | $241349 |  |
| A. J. Bart |  |  |  |  |
| L. C. Thomas | Crawford & Company Retirement Plan | 18 | 420757 |  |
| M. J. Hoberman |  |  |  |  |

---

[**Table of Contents**](#TOC)

#### Nonqualified Deferred Compensation
The Company maintains an unfunded Supplemental Executive Retirement Plan ("SERP") for certain executive officers to provide benefits that would otherwise be payable under the Retirement Plan and/or 401(k) Plan but for limitations placed on covered compensation and benefits thereunder pursuant to the Internal Revenue Code. The SERP currently allows the Company, if it elects to make a discretionary contribution to the 401(k) Plan for eligible employees, to also make an additional SERP matching contribution to the SERP for participants in the SERP. The Company may also make contributions to the Deferred Compensation Plan to make up for benefits not provided under the 401(k) Plan because of limitations on individual contributions to the 401(k) Plan. The following table provides information concerning the nonqualified deferred compensation with respect to the named executive officers.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Name** | **Executive**<br>**Contributions**<br>**in Last FY**<br>**($)**<sup>(1)</sup> | **Company's**<br>**Contributions**<br>**in Last FY**<br>**($)**<sup>(2)</sup> | **Aggregate**<br>**Earnings**<br>**in Last FY**<br>**($)** | **Aggregate**<br>**Withdrawals/**<br>**Distributions**<br>**($)** | **Aggregate**<br>**Balance at**<br>**Last FYE**<br>**($)** |
| R. Verma |  | $33599 | $50501 |  | $1056504 |
| W.B. Swain | $69781 | 11675 | 37874 | $78688 | 817935 |
| A. J. Bart |  |  |  |  |  |
| L.C. Thomas | 242500 | 12766 | 43099 |  | 1019013 |
| M.J. Hoberman |  | 18422 | 5197 |  | 112563 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) These amounts were also included in "Salary" for 2025 in the Summary Compensation Table.

&nbsp;&nbsp;&nbsp;&nbsp;(2) These amounts were also reported in "All Other Compensation" in the "Summary Compensation Table" in the Registrant's Proxy Statement for its 2025 annual meeting.

[**Table of Contents**](#TOC)

#### EMPLOYMENT AND CHANGE IN CONTROL ARRANGEMENTS
The Company is party to agreements with its named executive officers that contain provisions regarding employment and payments upon a change in control. In addition, the Company maintains various benefit plans that provide for accelerated vesting in the event of a termination of employment, including in connection with a change in control. These agreements and plans are summarized below.

#### Employment and Severance Agreements

#### Mr. Verma
Mr. Verma resigned effective December 31, 2025. Consistent with his employment agreement, he received no additional compensation upon his resignation, and he forfeited 41,373 unvested time-vested units, 41,186 unvested performance-based units, and his STIP.

#### Mr. Swain
On November 20, 2025, the Company entered into a new Executive Employment Agreement ("Agreement") with Mr. Swain. Pursuant to the Agreement, effective January 1, 2026, Mr. Swain is entitled to an annual base salary of at least $805,000, subject to periodic review and increase by the Board, and Mr. Swain is eligible to participate in the STIP and the LTIP. In addition, Mr. Swain is eligible to participate in all executive-level employee benefit plans and programs, including the provision of a Company car and payment of life insurance premiums.

In the event that Mr. Swain's employment is terminated for reasons other than cause, (as defined under the Agreement), or in the event of a change-in-control of the Company or Mr. Swain leaves for Good Reason (as defined under the Agreement), Mr. Swain will be entitled to receive: (i) eighteen (18) months of his then-current base salary and (ii) the pro-rata amount of any bonus which would have been earned for the year in which he is terminated, provided all applicable performance conditions are met. Any payments to be made in the event of a termination without cause, for Good Reason or in the event of a change-in-control under the Agreement are subject to Mr. Swain entering into a general release of claims and executing non-competition and non-disclosure covenants in favor of the Company, among other things.

In connection with entering into the Agreement, Mr. Swain also entered into a confidentiality and non-solicitation agreement in the Company's favor. The confidentiality and non-solicitation agreement requires Mr. Swain to comply with confidentiality, non-competition, non-disclosure and non-solicitation covenants during the term of the Agreement and for specified periods after the termination of his employment.

#### Mr. Thomas
Mr. Thomas retired effective December 31, 2025.

#### Mr. Bart
On April 1, 2025, the Company, through its Australian subsidiary, entered into a new Contract of Employment ("Agreement") with Mr. Bart. Pursuant to the Agreement, Mr. Bart was entitled to an annual base salary of AU$745,000, subject to periodic review and increase by the Company's President and Chief Executive Officer, and Mr. Bart is eligible to participate in the STIP and the LTIP. In addition, Mr. Bart is eligible to participate in all executive-level employee benefit plans and programs, including the provision of a Company car, contribution to the superannuation fund, and life and health benefit insurance premiums.

[**Table of Contents**](#TOC)

The Agreement is terminable by either party with twelve (12) months written notice. At its discretion, the Company may terminate Mr. Bart's employment at any time (including prior to the expiration of the twelve (12) month notice period) and, subject to certain exceptions, pay Mr. Bart a sum equal to the amount of his base salary at the time of the termination for the unexpired twelve (12) month notice period, together with an additional amount equal to the fair value of any other contractual benefits to which he is entitled under the Agreement. During the notice period, the Company, at its discretion, may relieve him from all or a portion of his working obligations for the remainder of the notice period; however, he will continue to be entitled to his base salary and benefits under his Agreement until expiration of the notice period.

The Agreement also contains provisions requiring Mr. Bart to comply with confidentiality, non-competition, non-disclosure, and non-solicitation covenants during the term of the Agreement and for up to twelve (12) months after the termination of his employment.

#### Mr. Hoberman
On January 14, 2026, the Company entered into a new Executive Employment Agreement ("Agreement") with Mr. Hoberman. Pursuant to the Agreement, effective January 1, 2026, Mr. Hoberman is entitled to an annual base salary of $475,000, subject to periodic review and increase by the Company's President and Chief Executive Officer, and Mr. Hoberman is eligible to participate in the STIP, Sales Incentive Plan and the LTIP. In addition, Mr. Hoberman is eligible to participate in all executive-level employee benefit plans and programs, including the provision of a Company car and payment of life insurance premiums.

If Mr. Hoberman's employment is terminated for reasons other than cause (as defined under the Agreement) or in the event of a change-in-control of the Company, which term is subject to the determination of the Company's President and Chief Executive Officer, Mr. Hoberman will be entitled to receive a lump sum amount equal to twelve (12) months of his then-current base salary. Any payments to be made in the event of a termination without cause or in the event of a change-in-control under the Agreement are subject to Mr. Hoberman entering into a general release of claims and executing non-competition and non-disclosure covenants in favor of the Company, among other things.

In connection with entering into the Agreement, Mr. Hoberman also entered into a confidentiality and non-solicitation agreement in the Company's favor. The confidentiality and non-solicitation agreement requires Mr. Hoberman to comply with confidentiality, non-competition, non-disclosure and non-solicitation covenants during the term of the Agreement and for specified periods after the termination of his employment.

#### Equity Incentive Plans and Awards
Awards issued under the Omnibus Stock Plan are subject to vesting conditions described in related award agreements. Unvested, earned LTIP awards issued under the Company's Omnibus Stock Plan are subject to accelerated vesting in the event of an executive's termination of employment as a result of death, disability, retirement, termination without cause or separation from service in connection with a change-in-control of the Company. In the event of an executive's termination of employment as a result of death, disability, retirement or termination without cause the executive's unvested earned performance awards will continue to vest as if the executive had remained employed by the Company and unvested time-based awards will vest as of the termination event. In the event of an executive's termination of employment in connection with a change-in-control of the Company, the executive's unvested earned performance awards will vest on a pro-rata basis (based on the elapsed time of the vesting period) as of the date of such change-in-control and unvested time-based awards will vest as of the change-in-control.

#### Pension and Other Benefits
Upon retirement or other termination of employment, certain executive officers are entitled to pension and other retirement benefits under the Retirement Plan and SERP. See "Executive Compensation Pension Benefits" for information about the pension and other retirement benefits payable to the named executive officers under the Retirement Plan and SERP. In addition, upon termination of employment due to disability, our executives are entitled to disability benefits under Company sponsored disability plans.

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#### Termination and Change-in-Control Tables for 2025
The following table summarizes the compensation and other benefits that would have become payable to certain of our named executive officers assuming their employment had terminated on December 31, 2025. In addition, the table also summarizes the compensation that would become payable to these named executive officers if a change-in-control of the Company had occurred on December 31, 2025.

In reviewing these tables, please note the following:

● Cash severance in connection with a change in control or a termination without cause without a change in control is paid over time, consistent with the current payroll process.

● Life insurance benefits payable upon death represent the death benefit payable to the named executive officer's beneficiaries by the life insurance company.

● Disability benefits reflect benefits payable to the employee by the plan provider resulting from a qualified illness or injury as defined in the plan.

● No payment value was ascribed to presently vested and exercisable equity incentive awards, as such awards are not impacted by a separation from service or change in control.

● All parties complied with any required notice provisions in the applicable agreement.

● Each of the named executive officers complied with all restrictive and other covenants applicable to such officer.

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● Performance stock awards subject to achievement of performance goals are included on a pro rata basis at 100% achievement of Company performance of that target, as provided in the applicable agreements in the event of a change of control and termination without cause. Time-vested stock awards will vest at 100% on the date of the change in control.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Benefits and Payments** | **Termination in** <br>**Connection with a** <br>**Change in Control** | <br>**Termination** <br>**Without Cause** | **Termination** <br>**for Good** <br>**Reason** | <br>**Death** | <br>**Disability** |
| **R. Verma** |  |  |  |  |  |
| Cash Severance | $2102954 | $2102954 |  |  |  |
| Stock Awards | $771252 | $771252 |  |  |  |
| Life Insurance |  |  |  | $2400000 |  |
| Disability Benefits |  |  |  |  | $750000 |
| COBRA Benefit | $35814 | $35814 |  |  |  |
| **Total** | $2910020 | $2910020 |  | $2400000 | $750000 |
| **W.B. Swain** |  |  |  |  |  |
| Cash Severance | $1118566 | $1118566 | $1118566 |  |  |
| Stock Awards | $385643 | $385643 | $385643 |  |  |
| Life Insurance |  |  |  | $1132000 |  |
| Disability Benefits |  |  |  |  | $562800 |
| COBRA Benefit | $23876 | $23876 | $23876 |  |  |
| **Total** | $1528085 | $1528085 | $1528085 | $1132000 | $562800 |
| **A. J. Bart** |  |  |  |  |  |
| Cash Severance | $916515 | $916515 |  |  |  |
| Stock Awards | $385643 | $385643 |  |  |  |
| Life Insurance |  |  |  | $1991300 |  |
| Disability Benefits |  |  |  |  | $298695 |
| COBRA Benefit |  |  |  |  |  |
| **Total** | $1302158 | $1302158 |  | $1991300 | $298695 |
| **L. C. Thomas** |  |  |  |  |  |
| Cash Severance | $755592 | $755592 |  |  |  |
| Stock Awards | $385643 | $385643 |  |  |  |
| Life Insurance |  |  |  | $1227000 |  |
| Disability Benefits |  |  |  |  | $570600 |
| COBRA Benefit | $16952 | $16952 |  |  |  |
| **Total** | $1158187 | $1158187 |  | $1227000 | $570600 |
| **M. J. Hoberman** |  |  |  |  |  |
| Cash Severance | $945162 | $945162 |  |  |  |
| Stock Awards | $231687 | $231687 |  |  |  |
| Life Insurance |  |  |  | $300000 |  |
| Disability Benefits |  |  |  |  | $410628 |
| COBRA Benefit | $23876 | $23876 |  |  |  |
| **Total** | $1200725 | $1200725 |  | $300000 | $410628 |

---

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#### CEO PAY RATIO
As required by Section 953(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and Item 402(u) of Regulation S-K, we are providing the following information about the relationship of the annual total compensation of our employees and the annual total compensation of Mr. Verma our CEO:

For 2025, our last completed fiscal year:

● the annual total compensation of our median employee was $58,086;

● the annual total compensation of our CEO was $1,394,129.

Based on this information, for 2025, the ratio of the annual total compensation of our CEO to the median of the annual total compensation of all employees was 24 to 1.

With respect to the annual total compensation of our median employee, we identified and calculated the elements of such employee's compensation for 2025 in accordance with the requirements of Item 402(c)(2)(x) of Regulation S-K, resulting in annual total compensation of $58,086.

Below is a description of the methodology and the material assumptions, adjustments, and estimates that we used to identify our median employee. We believe that this information is useful to put into context the ratio comparing the annual total compensation of the median employee in our Company with the annual total compensation of our CEO.

We determined that, as of December 31, 2025, our employee population consisted of 9,849 individuals working at the Company and our consolidated subsidiaries. Given our global business, our workforce is distributed among several countries and regions. Of those, approximately 39% of these employees are located in the United States.

As of December 31, 2025, our employee population was distributed as follows:

---

| | |
|:---|:---|
| **Location** | **Employees** |
| United States | 3841 |
| Canada | 892 |
| United Kingdom | 1432 |
| Europe and Middle East | 824 |
| Australia | 586 |
| Philippines | 1363 |
| Asia Pacific | 296 |
| Latin America | 615 |
| **Total** | **9849** |

---

Given our multiple payroll systems and the differing fiscal years of our Company and its subsidiaries, to identify our median employee we measured compensation using the 12-month period ending December 31, 2025. Our compensation programs vary from region to region and among our various consolidated subsidiaries in each region, from country to country. Our employees are compensated on either a salaried basis or an hourly basis. In addition, some employees receive commissions or bonuses. We included salary or hourly wages, as applicable, as well any bonuses or commissions earned for 2025 (irrespective of whether such amounts were paid in 2025) in our measurement.

Our workforce includes several part-time employees and temporary employees. In making our determination of the median employee, we did not annualize the compensation of part-time employees, temporary employees, or employees who were hired in 2025 but did not work for us or our consolidated subsidiaries for the entire fiscal year. In certain regions, employees are paid based on a 13-month year, which was included in compensation for purposes of the determination of the median employee. We also did not make any cost-of-living adjustments in identifying the median employee. For purposes of this disclosure, we applied foreign currency to U.S. dollar exchange rates using the rate of exchange of each applicable currency as of December 31, 2025. Based on that analysis, we determined that our median employee was a full-time, hourly employee located in the United States.

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#### PAY VERSUS PERFORMANCE DISCLOSURE TABLE
We are required by SEC rules to disclose the following information regarding compensation paid to our NEOs. The amounts set forth below under the headings "Compensation Actually Paid to CEO" and "Average Compensation Actually Paid for NEOs" have been calculated in a manner consistent with Item 402(v) of Regulation S-K. Notes 3, 4 and 6 below, set forth the adjustments from the Total Compensation for each NEO reported in the Summary Compensation Table above. The following table sets forth additional compensation information of our Chief Executive Officer (CEO) and our non-CEO NEOs along with total shareholder return, net income (loss) attributable to shareholders, and adjusted operating earnings results for fiscal years 2021, 2022, 2023, 2024 and 2025.

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Value of Initial Fixed $100**  | **Value of Initial Fixed $100**  | | |
| | | | | | | | **Investment Based on:** | **Investment Based on:** | | |
| <br>**Year** | <br>**Summary** <br>**Compensation** <br>**Table Total for**<br> **Current CEO**<sup>(1)</sup> | <br>**Summary** <br>**Compensation** <br>**Table Total** <br>**for Former** <br>**CEO**<sup>(2)</sup> | <br>**Compensation** <br>**Actually Paid** <br>**to Current**<br> **CEO**<sup>(3)</sup> | <br>**Compensation** <br>**Actually** <br>**Paid to**<br> **Former** <br>**CEO**<sup>(4)</sup> | <br>**Average** <br>**Summary** <br>**Compensation** <br>**Table Total** <br>**for Non-CEO** <br>**NEOs**<sup>(5)</sup> | <br>**Average** <br>**Compensation** <br>**Actually** <br>**Paid to** <br>**Non-CEO NEOs**<sup>(6)</sup> | <br>**Total** <br>**Shareholder** <br>**Return** <br>**Class A/B** | <br>**Peer** <br>**Group** <br>**Total** <br>**Shareholder** <br>**Return**<sup>(7)</sup> | <br>**Net** <br>**Income** <br>**(Loss)** <br>**Attributable to** <br>**Shareholders** <br>**(in thousands)** | <br>**Adjusted**<br>**Operating**<br>**Earnings**<br>**(in thousands)**<sup>(8)</sup> |
| 2025 | $1394129 | $— | $246428 | $— | $1100974 | $1179588 | $175/$173 | $222 | $19676 | $84791 |
| 2024 | $2163638 | $— | $1682104 | $— | $1184181 | $962774 | $116 / $133 | $220 | $26529 | $82500 |
| 2023 | $2354525 | $— | $4101591 | $— | $1339586 | $1909104 | $129 / $145 | $164 | $30609 | $85361 |
| 2022 | $1939121 | $— | $536982 | $— | $1210438 | $392442 | $53 / $57 | $149 | $(18305) | $61879 |
| 2021 | $2487739 | $— | $2470618 | $— | $1372878 | $1355049 | $69 / $78 | $125 | $30692 | $62505 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) The dollar amounts reported in this column are the amounts of total compensation reported for Mr. Verma , our Chief Executive Officer, for each corresponding year in the "Total" column of the Summary Compensation Table ("SCT").

&nbsp;&nbsp;&nbsp;&nbsp;(2) No data to report.

&nbsp;&nbsp;&nbsp;&nbsp;(3) The dollar amounts reported in this column represent the amount of "Compensation Actually Paid" to Mr. Verma as computed in accordance with Item 402(v) of Regulation S-K. The dollar amounts do not reflect the actual amount of compensation earned by or paid to Mr. Verma during the applicable year. In accordance with the requirements of Item 402(v) of Regulation S-K, the following adjustments were made to Mr. Verma's total compensation for each year to determine the compensation actually paid:

#### Adjustments to Determine Compensation Actually Paid for Current CEO:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Current CEO:** | **2025** | **2024** | **2023** | **2022** | **2021** |
| **SCT Total Compensation** | $1394129 | $2163638 | $2354525 | $1939121 | $2487739 |
| Less: Stock and Option Award Values Reported in SCT for the Fiscal Year | (479159) | (948513) | (866316) | (868784) | (887514) |
| Plus: Fair Value for Stock and Option Awards Granted and Vested in the Fiscal Year | 151650 | 157112 | 337026 | 112020 | 133111 |
| Change in Fair Value for Stock and Option Awards Granted in Prior Years and Vested in Fiscal Year | (207262) | (75053) | 318429 | (40666) | 101796 |
| Fair Value at Fiscal Year-End of Outstanding and Unvested Stock and Option Awards Granted in Fiscal Year |  | 766513 | 1652540 | 308489 | 626333 |
| Change in Fair Value of Outstanding Unvested Stock and Option Awards from Prior Years |  | (145135) | 305387 | (412952) | 9153 |
| Less: Fair Value of Stock and Option Awards Forfeited during the Covered Year | (612930) | (236458) |  | (500246) |  |
| **Compensation Actually Paid** | $246428 | $1682104 | $4101591 | $536982 | $2470618 |

---

Equity Valuations: Stock option grant date fair values are calculated based on the Black-Scholes option pricing model as of the grant date. Adjustments have been made using stock option fair values as of each measurement date using the stock price as of the measurement date and updated assumptions (i.e., term, volatility, dividend yield, risk free rates) as of the measurement date. Performance-based restricted share unit grant date fair values are calculated

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using the stock price as of date of grant assuming target performance. Adjustments have been made using the stock price and performance accrual modifier as of year-end and as of the date of vest. Time-vested restricted unit grant date fair values are calculated using the stock price as of date of grant. Adjustments have been made using the stock price as of year-end and as of each date of vest.

&nbsp;&nbsp;&nbsp;&nbsp;(4) No data to report.

&nbsp;&nbsp;&nbsp;&nbsp;(5) The dollar amounts reported in this column are the amounts of total compensation reported for the Company's named executive officers as a group (excluding our CEO) in the "Total" column of the Summary Compensation Table in each applicable year. The names of each of the named executive officers (excluding our CEO) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2025, Messrs. Bart, Swain, Hoberman and Thomas; (ii) for 2024, Messrs. Bart, Swain, Hoberman and Thomas; (iii) for 2023, Messrs. Bart, Blanco, Swain, Hoberman and Thomas; (iv) for 2022, Messrs. Bart, Blanco, Swain and Thomas (v) for 2021, Messrs. Blanco, Hoberman, Swain and Thomas.

&nbsp;&nbsp;&nbsp;&nbsp;(6) The dollar amounts reported in this column represent the average amount of "compensation actually paid" to the named executive officers as a group (excluding our CEO), as computed in accordance with Item 402(v) of Regulation S-K. The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the named executive officers as a group (excluding our CEO) during the applicable year. In accordance with the requirements of Item 402(v) of Regulation S-K, the following adjustments were made to average total compensation for the named executive officers as a group (excluding our CEO) for each year to determine the compensation actually paid, using the same methodology described above in Note 3:

#### Adjustments to Determine Compensation Actually Paid for Non-CEO NEOs:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Average Compensation** | **2025** | **2024** | **2023** | **2022** | **2021** |
| **SCT Total Compensation** | $1100974 | $1184181 | $1339586 | $1210438 | $1372878 |
| Less: Stock and Option Award Values Reported in SCT for the Covered Year | (242178) | (474257) | (476705) | (514411) | (506251) |
| Plus: Fair Value for Stock and Option Awards Granted and Vested in the Fiscal Year | 77482 | 78550 | 171194 | 66328 | 73561 |
| Change in Fair Value for Stock and Option Awards Granted in Prior Years and Vested in Fiscal Year | (98440) | (26264) | 146588 | (22117) | 58121 |
| Fair Value at Fiscal Year-End of Outstanding and Unvested Stock and Option Awards Granted in Fiscal Year | 402704 | 383256 | 617643 | 182657 | 346132 |
| Change in Fair Value of Outstanding Unvested Stock and Option Awards from Prior Years | (60902) | (67139) | 129566 | (234959) | 10607 |
| Less: Fair Value of Stock and Option Awards Forfeited during the Covered Year |  | (115553) | (17175) | (295493) |  |
| Less: Aggregate Change in Actuarial Present Value of Accumulated Benefit Under Pension Plans |  |  | (1593) |  |  |
| Plus: Aggregate Service Cost and Prior Service Cost for Pension Plans | (52) |  |  |  |  |
| **Compensation Actually Paid** | $1179588 | $962774 | $1909104 | $392442 | $1355049 |

---

&nbsp;&nbsp;&nbsp;&nbsp;(7) The peer group used for this purpose is S&P Property-Casualty Insurance Index.

&nbsp;&nbsp;&nbsp;&nbsp;(8) We have determined that adjusted operating earnings is the financial performance measure that, in our assessment, represents the most important performance measure (that is not otherwise required to be disclosed in the table) used to link compensation actually paid to our NEOs, for the most recently completed fiscal year, to Company performance.

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The following chart provides a graphical representation of the Compensation Actually Paid to the current CEO and Average Non-CEO NEOs as compared to the Company's total shareholder return.

![Graphic](crda-20260514xdef14a_a025.jpg)

The following chart provides a graphical representation of the Compensation Actually Paid to the current CEO and Average Non-CEO NEOs as compared to the Company's Net Income (Loss).

![Graphic](crda-20260514xdef14a_a026.jpg)

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The following chart provides a graphical representation of the Compensation Actually Paid to the current CEO and Average Non-CEO NEOs as compared to the Company's Adjusted Operating Earnings.

![Graphic](crda-20260514xdef14a_a027.jpg)

The following chart provides a graphical representation of the Company's five-year cumulative TSR versus our industry peer group, the S&P 500 Property-Casualty Insurance Index.

![Graphic](crda-20260514xdef14a_a028.jpg)

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#### Most Important Performance Measures
The table below lists our most important performance measures used to link "Compensation Actually Paid" for our NEOs to Company performance, over the fiscal year ending December 31, 2025. The performance measures included in this table are not ranked by relative importance.

---

| |
|:---|
| Revenue before Reimbursements  |
| Adjusted Operating Earnings<sup>(1)</sup>  |
| Earnings Per Share (adjusted per note 2 to the table set forth under "Overview" above) |
| Adjusted Operating Margin<sup>(1)</sup> |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Adjusted Operating Earnings and Adjusted Operating Margin are non-GAAP financial measures that have been adjusted as noted in Footnote (1) on pages 18 and 25 of the Proxy Statement.

#### REPORT OF THE COMPENSATION AND HUMAN CAPITAL COMMITTEE OF THE BOARD OF DIRECTORS ON EXECUTIVE COMPENSATION
The Company's executive compensation programs are administered by the Compensation and Human Capital Committee. The Compensation and Human Capital Committee has reviewed and discussed the Compensation Discussion and Analysis required by Item 402(b) of Regulation S-K with management and based on this review and discussion, the Compensation and Human Capital Committee has recommended to the Board of Directors that the Compensation Discussion and Analysis be included in this Proxy Statement.

INGA K. BEALE, CHAIR

JESSE C. CRAWFORD, SR.

FRED R. DONNER

JOEL T. MURPHY

AMY T. SHORE

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#### STOCK OWNERSHIP INFORMATION

#### Security Ownership of Management
The following table sets forth information, as of March 17, 2026, as to shares of Class A and Class B Common Stock beneficially owned by each current director, director nominee, each of the named executive officers, and all current directors and executive officers as a group. As of March 17, 2026, there were 29,924,034 shares of Class A Common Stock and 18,982,758 shares of Class B Common Stock outstanding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Amount and Nature of** | **Amount and Nature of** | **Percent of Total** | **Percent of Total** |
| | **Beneficial Ownership**<sup>(1)</sup> | **Beneficial Ownership**<sup>(1)</sup> | **Shares Outstanding**<sup>(2)</sup> | **Shares Outstanding**<sup>(2)</sup> |
| <br>**Name** | **Class A** | **Class B** | **Class A** | **Class B** |
| Inga K. Beale | 73791 |  |  |  |
| Cameron M. Bready | 47787 |  |  |  |
| Jesse C. Crawford<sup>(3)</sup> | 10472604 | 12956597 | 35.0% | 68.3% |
| Jesse C. Crawford, Jr.<sup>(4)</sup> | 1817880 | 49248 | 6.1 |  |
| Fred R. Donner | 29674 |  |  |  |
| Lisa G. Hannusch | 83802 |  |  |  |
| Joel T. Murphy | 26554 |  |  |  |
| Rahul Patel<sup>(5)</sup> | 112519 |  |  |  |
| Amy T. Shore | 17267 |  |  |  |
| Rohit Verma | 270461 | 8000 |  |  |
| W. Bruce Swain<sup>(6)</sup> | 505103 | 1000 | 1.7 |  |
| Larry C. Thomas<sup>(7)</sup> | 429217 | 73 | 1.4 |  |
| Andrew Bart<sup>(8)</sup> | 242959 |  |  |  |
| Michael J. Hoberman | 25039 |  |  |  |
| All current executive officers and directors as a group (16 persons)<sup>(9)</sup> | 13535446 | 13006845 | 45.2% | 68.5% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Except as otherwise indicated in the following notes, the persons possessed sole voting and dispositive power with respect to all shares set forth opposite their names.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Except where a percentage is specified, the person's ownership represents less than 1% of the outstanding shares. Shares not outstanding which are subject to options exercisable within sixty (60) days by a named individual or persons in the group are deemed to be outstanding for the purposes of computing percentage ownership of outstanding shares owned by such individual or the group.

&nbsp;&nbsp;&nbsp;&nbsp;(3) The shares of Class A Common Stock shown as beneficially owned by Mr. Crawford include, 1,822,335 shares held by Rex Holdings, LLC over which he has sole voting and dispositive power, 1,827,665 shares held by Keepers, LLC over which he has sole voting and dispositive powers, 929,700 shares held in the 2012 Family Trust over which his wife is trustee, but he has indirect dispositive power pursuant to a substitution power in the trust and an unaffiliated bank has the power to add charities as beneficiaries of the trust and distribute shares to any such charities, 54,864 shares held in a family trust over which Mr. Crawford has sole voting and dispositive power as trustee, and 379,921 shares owned by Crawford Partners, L.P. ("Partners"). Mr. Crawford holds 100% of the membership units of Liverpool II, LLC ("Liverpool"), which is the general partner of Partners; Mr. Crawford is also the chief executive officer of Liverpool. Each of Partners and Liverpool report sole voting and dispositive power over 379,921 shares. The address of each of Liverpool and Partners is 3028 Andrews Drive NW, Atlanta, GA 30305. See Note 1 to the table set forth under "Security Ownership of Certain Beneficial Owners" below with respect to the Class B Common Stock.

&nbsp;&nbsp;&nbsp;&nbsp;(4) The shares shown as beneficially owned by Mr. Crawford, Jr. include 10 shares of Class A and 10 shares of Class B Common Stock held in an account in his spouse's name over which he has no voting or dispositive power.

&nbsp;&nbsp;&nbsp;&nbsp;(5) The shares shown as beneficially owned by Mr. Patel includes 12,000 shares of Class A Common Stock held in an account in his spouse's name over which he has no voting or dispositive power.

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&nbsp;&nbsp;&nbsp;&nbsp;(6) Includes 153,128 shares of Class A Common Stock subject to options exercisable within sixty (60) days of March 17, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;(7) Includes 153,128 shares of Class A Common Stock subject to options exercisable within sixty (60) days of March 17, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;(8) Includes 91,564 shares of Class A Common Stock subject to options exercisable within sixty (60) days of March 17, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;(9) Includes 929,700 shares of Class A Common Stock as to which voting or dispositive power is shared and 244,692 shares of Class A Common Stock subject to options exercisable within sixty (60) days of March 17, 2026.

**Security Ownership of Certain Beneficial Owners**

The following table sets forth certain information concerning each person (including any "group" as the term is used in Section 13(d)(3) of the Securities Exchange Act) known to the Company to be the "beneficial owner", as such term is defined by the rules of the SEC, of more than 5% of the outstanding shares of the Company's Class B Common Stock as of March 17, 2026.

---

| | | |
|:---|:---|:---|
| <br>**Name and Address** | **Amount and Nature of**<br>**Beneficial Ownership** | **Percentage of Class B**<br>**Shares Outstanding** |
| Jesse C. Crawford  | 12956597<br><sup>(1)</sup>  | 68.3% |
| &nbsp;&nbsp;Crawford Media Services, Inc. |  |  |
| &nbsp;&nbsp;6 West Druid Hills Drive, N.E. |  |  |
| &nbsp;&nbsp;Atlanta, Georgia 30329 |  |  |
| Truist Financial Corporation | 1029205<br><sup>(2)</sup> | 5.4% |
| &nbsp;&nbsp;214 North Tryon Street |  |  |
| &nbsp;&nbsp;Charlotte, North Carolina 28202 |  |  |
| The Vanguard Group | 958169<br><sup>(3)</sup> | 5.0% |
| &nbsp;&nbsp;100 Vanguard Boulevard |  |  |
| &nbsp;&nbsp;Malvern, Pennsylvania 19355 |  |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Based on a Schedule 13D/A filed with the SEC on December 27, 2012 by Jesse C. Crawford and Liverpool II, LLC ("Liverpool") and Crawford Partners, L.P. ("Partners"), entities controlled by Mr. Crawford. Mr. Crawford holds 100% of the membership units of Liverpool, which is the general partner of Partners; Mr. Crawford is also the chief executive officer of Liverpool. According to said Schedule 13D/A, Mr. Crawford directly or indirectly has or can exercise sole voting and dispositive power over the shares. Each of Partners and Liverpool report sole voting and dispositive power over 10,466,931 of the above-reported shares. The address of each of Liverpool and Partners is 3028 Andrews Drive NW, Atlanta, GA 30305. The amount also includes 404,912 shares held in a family trust over which Mr. Crawford has sole voting and dispositive power as trustee. Outstanding shares percentage updated.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Based upon a Schedule 13G/A filed with the SEC by Truist Financial Corporation ("Truist Financial") on February 15, 2023. According thereto, the shares are held by certain subsidiaries of Truist Financial in various fiduciary and agency capacities. Truist Financial has sole voting and dispositive power over all the shares. Truist Financial disclaims any beneficial interest in any such shares. Outstanding shares percentage updated.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Based upon a Schedule 13G filed with the SEC by The Vanguard Group ("Vanguard") on April 30, 2025. According thereto, Vanguard has no voting power with respect to any of the shares, has sole dispositive power with respect to 955,981 shares, and shares dispositive power with respect to 2,188 of the shares.

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#### INFORMATION WITH RESPECT TO CERTAIN BUSINESS RELATIONSHIPS AND

#### RELATED TRANSACTIONS
The Company had the following related party transactions in 2025.

In December of 2025, the Company repurchased 120,829 shares of Class A common stock from former CEO Rohit Verma at $11.00 per share.

For information on the Company's related party transaction policy, please refer to the Audit Committee discussion under "Corporate Governance: Standing Committees," above.

#### EQUITY COMPENSATION PLANS
The following table sets forth certain information concerning securities authorized for issuance under equity compensation plans as of December 31, 2025. Only the Company's Class A Common Stock is authorized for issuance under these plans. All the Company's equity compensation plans have been approved by the Company's Shareholders.

---

| | | | |
|:---|:---|:---|:---|
| <br>**Plan Category** | <br>**Number of Securities to** <br>**be Issued Upon**<br>**Exercise of**<br>**Outstanding Options,**<br>**Warrants, and Rights**<br>**(a)** | <br>**Weighted-Average**<br>**Exercise Price of**<br>**Outstanding Options,**<br>**Warrants, and Rights**<br>**(b)** | **Number of Securities**<br>**Remaining Available for**<br>**Future Issuance Under**<br>**Equity Compensation** <br>**Plans (Excluding**<br>**Securities Reflected in**<br>**Column (a)) (c)** |
| Equity Compensation Plans Approved by Security Holders | 1285371<br><sup>(1)</sup>  | $8.54<br><sup>(2)</sup>  | 11142689<br><sup>(3)</sup> |
| Equity Compensation Plans Not Approved by Security Holders |  |  |  |
| Total | 1285371 | $8.54 | 11142689 |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) Includes shares issuable pursuant to options under the Company's stock option plans (700,188 shares), the Employee Stock Purchase Plan, as amended (120,892 shares), the International Employee Stock Purchase Plan (5,374 shares), and the U.K. ShareSave Scheme (458,917 shares).

&nbsp;&nbsp;&nbsp;&nbsp;(2) Includes exercise prices for outstanding options under the Company's stock option plans, the Employee Stock Purchase Plan, International Employee Stock Purchase Plan, and the U.K. ShareSave Scheme.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Represents shares which may be issued under, the Employee Stock Purchase Plan (981,269), the Non-Employee Director Stock Plan (1,047,588), the U.K. ShareSave Scheme (1,675,260), the Omnibus Incentive Plan (6,538,467), and the International Employee Stock Purchase Plan (900,105). Excludes all shares that were unearned at December 31, 2025.

**SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE**

Section 16(a) of the Exchange Act requires the Company's directors and officers, and greater than ten percent (10%) beneficial owners of the Company's equity securities, to file with the SEC and the NYSE reports of ownership and changes in ownership of such equity securities of the Company. Officers, directors and greater than ten percent (10%) shareholders are required by the SEC regulations to furnish the Company with copies of all Section 16(a) forms they file.

Based solely on a review of the copies of such reports furnished to the Company or written representations that no other reports are required, the Company believes that, during the year ended December 31, 2025, all of its officers, directors, and greater than ten percent beneficial owners timely complied with all applicable filing requirements.

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#### COMPENSATION AND HUMAN CAPITAL COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION
The Compensation and Human Capital Committee consists of Ms. Beale as Chair, and Messrs. Crawford, Sr., Murphy, Donner and Ms. Shore. None of the foregoing individuals are or have been in the past officers or employees of the Company. None of the members of the Compensation and Human Capital Committee serve as members of the board of directors or compensation committee of any entity that has one or more executive officers serving as a member of the Company's Compensation and Human Capital Committee.

#### PROPOSAL 2 — APPROVAL OF AN AMENDMENT TO THE CRAWFORD & COMPANY 2016 OMNIBUS STOCK AND INCENTIVE PLAN
**General** 

On February 5, 2026, at the recommendation of the Compensation and Human Capital Committee, the Board of Directors approved an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan (the "Plan") to fix the Plan termination date as May 13, 2032. The Plan is currently set to terminate on May 13, 2027. The Plan was originally approved by the Shareholders on May 11, 2016 and 6,500,000 shares of Class A Common Stock were approved to be available for issuance under the Plan. The Plan was amended May 8, 2019, to change the number of shares allotted for incentive stock options under the Plan to 1,500,000, and May 13, 2022, to add an additional 4,000,000 shares of Class A Common Stock for issuance under the Plan.

The purpose of the Plan is to align the long-term financial interests of selected Company employees and other service providers with those of the Company's shareholders. The Plan is designed to enable the Company to attract and retain such individuals by providing competitive compensation opportunities and incentives for contributing significantly to the Company's long-term performance and growth. The Board of Directors recommends shareholder approval of the amendment to the Plan so that the Company may continue to provide such incentives.

Individuals eligible to receive awards and grants under the Plan include employees and other individuals performing services for the Company, as determined by the Compensation and Human Capital Committee. The Plan authorizes grants of non-qualified stock options, incentive stock options, stock appreciation rights, stock awards including restricted stock, restricted stock units, deferred stock, stock payments and other stock-based awards, including performance-based awards. Awards may be settled in cash or stock.

There are currently 6,136,553 shares of Class A Common Stock for issuance under the Plan. As of March 17, 2026, the closing price of a shares of our Class A Common Stock on the NYSE was $9.52.

**Shareholder Approval**

In order to be effective, the proposed amendment to the Plan must be approved by the affirmative vote of the holders of a majority of the shares present in person or represented by proxy at the Annual Meeting. Any shares that are not voted will have no impact on the outcome of the vote on the Plan. Unless otherwise instructed, the persons named in the Proxy (W.B. Swain, H.B. Boudreau and T.E. Stevenson) will vote proxies held by them FOR the proposed amendment to the Plan.

In the event Shareholders do not approve the amendment to the Plan it will terminate on May 13, 2027.

**The Board of Directors unanimously recommends a vote FOR the approval of the proposed amendments to the Crawford & Company 2016 Omnibus Stock and Incentive Plan.**

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#### PROPOSAL 3 — RATIFICATION OF INDEPENDENT REGISTERED

#### PUBLIC ACCOUNTING FIRM
The Audit Committee has appointed the firm of KPMG LLP ("KPMG") to serve as the independent registered public accounting firm for the Company for the fiscal year 2026. Although the selection and appointment of an independent registered public accounting firm is not required to be submitted to a vote of Shareholders, the Board of Directors has decided, as in the past, to ask the Company's Shareholders to ratify this appointment as a matter of good corporate governance. Despite the appointment of KPMG as the Company's independent registered public accounting firm and the ratification by the Shareholders of that selection, the Audit Committee has the power at any time to appoint another auditor for 2026, without further Shareholder action. A representative of KPMG is expected to be present at the Annual Meeting and, if present, will be given an opportunity to make a statement, if he or she desires, and to respond to appropriate questions.

**Recent Change in Auditor**

As reported in the Company's Current Reports on Form 8-K filed on December 12, 2024 and March 4, 2025, on March 4, 2025, the Audit Committee engaged KPMG to serve as the independent registered public accounting firm for the Company for the fiscal year 2025. On March 3, 2025, following the completion of the audit for fiscal year 2024, the Audit Committee dismissed Ernst & Young, LLP ("EY") as the Company's independent registered public accounting firm. The decisions to appoint KPMG and dismiss EY were approved by the Audit Committee.

The reports of EY on the consolidated financial statements of the Company as of and for the years ended December 31, 2024 and 2023 did not contain an adverse opinion or disclaimer of opinion, nor were they qualified or modified as to uncertainty, audit scope, or accounting principle.

During the years ended December 31, 2024 and 2023 and through March 3, 2025, there were (i) no disagreements with EY on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or procedure, which disagreements, if not resolved to the satisfaction of EY, would have caused EY to make reference to the subject matter of the disagreement in its reports on the Company's consolidated financial statements for such years and (ii) no "reportable events" (as such term is defined in Item 304(a)(1)(v) of Regulation S-K).

The Company previously provided EY with a copy of the disclosures in the Current Reports on Form 8-K filed on December 12, 2024 and March 4, 2025, and requested that EY furnish it with a letter addressed to the SEC stating whether or not EY agrees with such statements. A copy of such letter was filed as Exhibit 16.1 to the Current Reports on Form 8-K.

No consultations occurred between the Company and KPMG during the year ended December 31, 2024 and through March 3, 2025 regarding either (i) the application of accounting principles to a specific completed or proposed transaction, the type of audit opinion that might be rendered on the Company's financial statements, or other written or oral information provided that was an important factor considered by the Company in reaching a decision as to an accounting, auditing, or financial reporting issue; or (ii) any matter that was either the subject of a disagreement, as that term is defined in Item 304(a)(1)(iv) of Regulation S-K and the related instructions to Item 304 of Regulation S-K, or a "reportable event," as that term is defined in Item 304(a)(1)(v) of Regulation S-K.

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#### Fees Paid to KPMG LLP and Ernst & Young LLP
In addition to performing the audit of the Company's consolidated financial statements, KPMG provided other permitted services to the Company and its foreign and domestic subsidiaries. KPMG has advised the Company that it has billed or will bill the Company the below indicated amounts for the following categories of services for the year ended December 31, 2025.

As with KPMG, in addition to performing the audit of the Company's consolidated financial statements, EY provided other permitted services to the Company and its foreign and domestic subsidiaries. EY has advised the Company that it has billed or will bill the Company the below indicated amounts for the following categories of services for the year ended December 31, 2024:

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| | | |
|:---|:---|:---|
|  | **2025** | **2024** |
| Audit Fees<sup>(1)</sup> | $3277590 | $4612000<br> <sup>(a)</sup> |
| Audit related fees<sup>(2)</sup> | 425250 | 649950 |
| Tax fees<sup>(3)</sup> | 639500 | 386925 |
| All other fees<sup>(4)</sup> |  | 96000 |
| **Total** | $4342340 | $5744875 |

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&nbsp;&nbsp;&nbsp;&nbsp;(1) Audit fees include: the annual consolidated financial statement audit, the annual audit of internal control over financial reporting, reviews of the Company's quarterly reports on Form 10-Q, statutory and other financial statement audits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) 2024 Audit Fees for EY include an additional $368,000 billed and paid subsequent to issuance of 2025 Proxy Statement.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Audit related fees include service organization control reports.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Tax fees consist principally of professional services rendered for tax compliance and tax planning and advice.

&nbsp;&nbsp;&nbsp;&nbsp;(4) All other fees consist principally of fees for a cybersecurity program maturity assessment.

The Audit Committee reviews and pre-approves, in addition to all audit services, all non-audit services to be provided by the independent registered public accounting firm. On an ongoing basis, management communicates specific projects and categories of services to the Audit Committee on which advance approval is requested. The Audit Committee reviews these requests and votes by resolution its approval or rejection of such services after due deliberation.

**The Board of Directors unanimously recommends a vote FOR the ratification of the appointment of KPMG LLP as the Company's independent registered public accounting firm for 2026.**

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#### AUDIT COMMITTEE REPORT
The Audit Committee of the Board of Directors is comprised of the four directors named below. Each member of the Committee is independent as required by the Company, the listing standards of the NYSE and the SEC's audit committee independence rules. The primary function of the Audit Committee is to assist the Board of Directors in its oversight responsibilities with respect to the integrity of the Company's financial statements; the qualifications, independence and performance of the Company's independent auditors; the performance of the Company's internal audit function; and compliance by the Company with legal and regulatory requirements. The Committee operates pursuant to a charter approved by the Board of Directors.

In fulfilling its responsibilities to review the Company's financial reporting process, the Audit Committee has reviewed and discussed with the Company's management and KPMG LLP ("KPMG"), the audited financial statements contained in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025. Management is responsible for the Company's financial statements and the reporting process, including the Company's system of internal control over financial reporting. The independent registered public accounting firm is responsible for expressing an opinion on the conformity of those financial statements with accounting principles generally accepted in the United States.

The Audit Committee discussed with KPMG the matters required to be discussed by Auditing Standard No. 1301, Communications with Audit Committees, issued by the Public Company Accounting Oversight Board (the "PCAOB"). In addition, the Audit Committee has discussed with KPMG the auditor's independence from the Company and its management, including the matters in the written disclosure required by PCAOB Ethics and Independence Rule 3526, Communication with Audit Committees Concerning Independence. In determining the independence of the auditor, the Audit Committee has considered, among other matters, whether the provision of services, other than those related to the audit of the Company's annual financial statements, is compatible with maintaining the auditor's independence.

The Audit Committee discussed with the Company's internal auditors and KPMG the overall scope and plans for their respective audits. The Audit Committee meets with the internal auditors and KPMG, with and without management present, to discuss the results of their examinations, their evaluations of the Company's internal controls and the overall quality of the Company's financial reporting. The Audit Committee further discussed those items contained in NYSE Listing Company Manual Section 303A.06 and otherwise complied with the obligations stated therein.

In reliance on the reviews and discussions referred to above, the Audit Committee recommended to the Board of Directors that the audited financial statements be included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025, filed with the Securities and Exchange Commission.

FRED R. DONNER, CHAIR

INGA K. BEALE

CAMERON M. BREADY

LISA G. HANNUSCH

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#### SHAREHOLDER PROPOSALS
If you wish to nominate an individual for election at or bring business other than through a shareholder proposal before the 2027 Annual Meeting, you must deliver your notice to the Company's Corporate Secretary at 5335 Triangle Parkway, Peachtree Corners, Georgia 30092 between January 11, 2027, and February 9, 2027. Your notice to the Corporate Secretary must set forth information specified in the Company's bylaws, including your name and address and the class and number of the Company's shares of common stock that you beneficially own. In the event that the date of next year's annual meeting is advanced more than 30 days prior to or delayed by more than 60 days after the anniversary of this year's annual meeting, notice by a shareholder to be timely must be received not later than the close of business on the later of the 90th day prior to such annual meeting or the close of business on the 10th day following the day on which public announcement of the date of such meeting is first made. Any adjournment or postponement of an annual meeting for which notice, or a public announcement has been given or made shall not commence a new time period (or extend any time period) for the giving of a shareholder's notice as described above. In addition, shareholder proposals must comply with the requirements of Rule 14a-8 under the Exchange Act regarding the inclusion of shareholder proposals in company-sponsored proxy materials.

If you propose to bring business before an annual meeting other than a director nomination, your notice must also include, as to each matter proposed, the following: 1) a brief description of the business desired to be brought before the annual meeting and the reasons for conducting that business at the annual meeting and 2) any material interest you have in that business. If you propose to nominate an individual for election as a director, your notice must also include the following as to each person you propose to nominate for election as a director: 1) the name, age, business address and residence address of the person, 2) the principal occupation or employment of the person, 3) the class and number of shares of the Company's share capital that are owned of record and beneficially owned by the person, 4) the date or dates on which the shares were acquired and the investment intent of the acquisition and 5) any other information concerning the person as would be required to be disclosed in a proxy statement soliciting proxies for the election of that person as a director in an election contest (even if an election contest is not involved), or that is otherwise required to be disclosed pursuant to Section 14 of the Exchange Act, and the rules and regulations promulgated under the Exchange Act, including the person's written consent to being named as a nominee and to serving as a director if elected. The Company may require any proposed nominee to furnish other information as the Company may reasonably require to determine the eligibility of the proposed nominee to serve as an independent director or that could be material to a reasonable shareholder's understanding of the independence, or lack of independence, of the proposed nominee.

Any shareholder proposal to be presented at the 2027 Annual Meeting of Shareholders must be received by the Company no later than December 11, 2026 for inclusion in the proxy statement for that meeting in accordance with Rule 14a-8 under the Exchange Act. In addition, to satisfy the foregoing requirements, and to comply with the universal proxy rules, Shareholders who intend to solicit proxies in support of director nominees other than the Company's nominees, must provide notice that sets forth the information required by Rule 14a-19 under the Exchange Act no later than March 11, 2027.

#### OTHER MATTERS
The Board of Directors knows of no other matters other than those as described herein to be brought before the Annual Meeting. If any other matters come before the Annual Meeting, however, the persons named in the Proxy will vote such Proxy in accordance with their judgment on such matters.

April 10, 2026

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| &nbsp;&nbsp;![GRAPHIC](crda-20260514xdef14a_bg001.jpg) | &nbsp;&nbsp;Signature(s) in Box Please sign exactly as your name(s) appears on Proxy. If held in joint tenancy, all persons should sign. Trustees, adminis - trators, etc., should include title and authority. Corporations should provide full name of corporation and title of authorized officer signing the Proxy. Vote by Internet, Telephone or Mail 24 Hours a Day, 7 Days a Week Your phone or Internet vote authorizes the named proxies to vote your shares in the same manner as if you marked, signed and returned your proxy card. : INTERNET/MOBILE – www.proxypush.com/crd-b Use the Internet to vote your proxy until 11:59 p.m. (ET) on May 13, 2026. (PHONE – 1-866-883-3382 Use a touch-tone phone to vote your proxy until 11:59 p.m. (ET) on May 13, 2026. \* MAIL – Mark, sign and date your proxy card and return it in the postage-paid envelope provided in time to be received by May 13, 2026. If you vote your proxy by Internet or by Telephone, you do NOT need to mail back your Proxy Card. Shareowner Services P.O. Box 64945 St. Paul, MN 55164-0945 The Board of Directors Recommends a Vote FOR Each of the Director Nominees in Item 1, "FOR" Item 2, and "FOR" Item 3. 1. Proposal to elect the nine (9) nominees listed below as Directors (except as indicated to the contrary below) 01 I. K. Beale 04 F. R. Donner 07 R. Patel ■ Vote FOR all nominees ■ Vote WITHHELD 02 C. M. Bready 05 L. G. Hannusch 08 A. T. Shore (except as marked) from all nominees 03 J. C. Crawford, Jr. 06 J. T. Murphy 09 W. B. Swain, Jr. (Instructions: To withhold authority to vote for any indicated nominee, write the number(s) of the nominee(s) in the box provided to the right.) 2. Proposal to approve an amendment to the Crawford & Company 2016 Omnibus Stock and Incentive Plan. ■ For ■ Against ■ Abstain 3. Proposal to ratify the appointment of KPMG LLP as independent registered public accounting firm for the Company for the 2026 fiscal year. ■ For ■ Against ■ Abstain NOTE: Such other business as may properly come before the meeting or any adjournment thereof. THIS PROXY WHEN PROPERLY EXECUTED WILL BE VOTED AS DIRECTED OR, IF NO DIRECTION IS GIVEN, WILL BE VOTED AS THE BOARD RECOMMENDS. Address Change? Mark box, sign, and indicate changes below: ■ Date _____________________________________ |

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| &nbsp;&nbsp;![GRAPHIC](crda-20260514xdef14a_bg002.jpg) | &nbsp;&nbsp;Crawford & Company 5335 Triangle Parkway Peachtree Corners, Georgia 30092 proxy This proxy is solicited by the Board of Directors for use at the Annual Meeting on May 14, 2026. The shares of stock you hold in your account will be voted as you specify on the reverse side. If no choice is specified, the proxy will be voted "FOR" each of the Director Nominees in Item 1, "FOR" Item 2, and "FOR" Item 3. By signing the proxy, you revoke all prior proxies and appoint W.B. Swain, Jr., H.B. Boudreau and T.E. Stevenson, and each of them with full power of substitution, to vote your shares on the matters shown on the reverse side and any other matters which may come before the Annual Meeting and all adjournments or postponements. See reverse for voting instructions. CRAWFORD & COMPANY ANNUAL MEETING OF SHAREHOLDERS May 14, 2026 8:30 a.m. Crawford & Company 5335 Triangle Parkway Peachtree Corners, Georgia 30092 |

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