Abstract: A crossover tool that resists the erosive forces of high velocity slurry streams of gravel in downhole fracturing and gravel packing operations employs hardened inserts that protect the inside face of the housing as well as the openings through the crossover housing wall. The inserts have an extending portion that goes through housing openings preferably to the outer surface of the housing. The inserts also have inboard flanged surfaces that preferably abut or overlap to give preferably full inner wall protection to the housing from the flow of abrasive slurry. The inserts can be secured to each other or to the interior of the housing to hold them firmly in place.