Worker's Compensation
ICW Group Insurance Companies
Best Standard

General Information

ICW Group Insurance Companies represents a group of workers’ compensation, assumed reinsurance and catastrophe insurance carriers. As an “A” rated, top tier carrier, ICW Group is recognized for its industry leading risk management expertise, proactive claims handling and superior anti-fraud services. Quoting more than $3 billion annually, ICW Group is recognized nationally as an industry leader in helping its policyholders achieve fewer and less costly claims that lower their Ex-Mod while elevating the trusted agents and brokers who advise them. Work comp policyholders can count on ICW Group to provide them with products and services that are truly customer-centric and add value. All workers’ compensation policyholders enjoy free unlimited access to 24/7 human resources advice through HR OnDemand, thousands of safety trainings and resources through Safety OnDemand, access to telemedicine services for injured workers and, to be introduced in 2021, Nurse Triage services. For more information on ICW Group’s work comp programs, visit


  • Max Coverage

  • Min Premium

    As low as

Inclusions Checklist

  • Agriculture
  • Construction
  • Habitational
  • Health Care
  • Hospitality
  • Manufacturing
  • Professional Services
  • Property Management
  • Warehousing
  • Restaurant
  • Retail/Wholesale
  • Transportation

Exclusion Checklist

  • Professional Employer Organizations
  • Temp Staffing Organizations
  • Roofers

More Value in a Work Comp Policy

ICW Group policyholders can expect more from their workers’ compensation program. Every policyholder receives:

· Hands-on claims management

· One-on-one personalized risk consultations

· All claims reviewed for fraud within 24 hours of claim creation

· Access to 24/7 human resources advice

· Pay-as-you-go online payroll reporting

With a broad underwriting appetite across hundreds of class codes, no limits on experience mods and minimum premiums starting as low as $3,500, ICW Group agents and brokers can easily meet the diverse needs of their clients while significantly growing their business. Agents who partner with ICW Group earn up to 15% commission, enjoy high client renewal rates and work with a responsive underwriting team committed to their success. Further demonstrating its agent partner support, ICW Group recently launched LeadGen OnDemand, a lead-generating marketing tool to help agents grow their business. For more information on becoming an appointed agent with ICW Group, visit


What Agents and Brokers Say?

“What sets you apart from other carriers is your people. From the top down, you are easy to work with and consistently come through for us when we need you to. Starting with underwriting, to claims, to loss control, to billing, your hard work and professionalism is greatly appreciated. Partnering with ICW Group helps me do right by my clients, which is the most important thing to me as their insurance broker.” John White, One Risk Group, LLC, Pleasanton, CA
“I’ve always appreciated your team’s commitment to our partnership. As a broker, I look for companies truly committed to long-term relationships, innovative technology and market stability. I’m pleased to say ICW Group gets an A+ in all three! As my client’s trusted advisor, I’m proud to place customers with you. It makes me feel great knowing I’ve made the right decision!” Cory Higgins, Legacy Risk & Insurance Services, LLC, Walnut Creek, CA

Product FAQ

  • Policyholders can count on ICW Group to be there when an injury occurs. Once a claim is submitted, its Claims Triage Team immediately reviews the claim. Then an experienced, hands-on claims management team guides policyholders and their injured workers through all facets of the claim, including medical care, coverage and timely benefit payments. Injured workers also have access to Nurse Triage (starting in 2021) and a nurse case manager to ensure they get the best care possible, as quickly as possible and are on the path back to work. Additionally, every claim processed is reviewed for fraud within 24 hours.
  • ICW Group’s Special Investigations Unit is made up of investigators who all have a law enforcement and/or criminal fraud background. Policyholders have access to a fraud consultant for one-on-one meetings over the phone and every claim is reviewed for fraud within 24 hours of claim creation. Its proprietary technology evaluates over 3,000 data points for red flags and the skilled investigators that make up the fraud-fighting team assign 3 times the number of claims for investigation versus the industry average.
  • ICW Group offers flexible payment options for policyholders, including installment plans, pay as you go and credit card payments. With OnlinePay, policyholders can make instant payments as well as schedule automatic payments. A team of highly skilled billing specialists are also available to help policyholders with any questions they have.