Worker's Compensation
ICW Group Insurance Companies
Loss Sensitive Programs

General Information

ICW Group Insurance Companies is an “A” rated, top tier carrier, recognized for its industry leading risk management expertise, proactive claims handling and superior anti-fraud services. ICW Group offers its workers’ compensation clients in select businesses and states loss sensitive programs that offer financial reward for controlling their losses. This includes retrospectively rated (retros), large deductible and variable dividend programs. ICW Group is able to design loss sensitive programs that meet the unique needs of its individual policyholders. For more information on ICW Group, 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


What Agents and Brokers Say?

“Thanks to ICW Group, I’m able to write more business and deliver greater service to my clients. Your broad underwriting appetite and proactive underwriting approach helps me submit a diverse set of accounts to you. What’s most rewarding about our partnership, is knowing how pleased my clients are when I place them with ICW Group.” Jon Ziman, Capacity Coverage, Mahwah, NJ
“Our retail agent clients are impressed when we provide competitive quotes on a wide range of risks. ICW Group is a partner that helps us do that. Your top-of-the-line service across underwriting, loss control and claims results in highly satisfied policyholders and easier renewal retention.” J.R. Sperry, Jr., R-T Specialty, LLC, New York, NY

Product FAQ

  • ICW Group offers large deductible plans in California, Nevada and Florida and retrospectively rated (retros) plans in most states throughout the nation. ICW Group’s loss sensitive programs are available to businesses across the multiple class codes it writes.
  • As a percent of premium, ICW Group ranks among the highest in the industry when it comes to financially rewarding its policyholders with loss sensitive plans. This is due to ICW Group’s low expense ratio and its ability to partner with policyholders to help them achieve fewer and less costly claims. ICW Group’s favorable claims outcomes also positively affect a policyholder’s experience mod further driving down the ultimate net cost of their workers’ compensation program.