Explorer (ICW)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
ICW Group publishes official workers’ compensation submission guidance applicable to Explorer Insurance Company as part of the ICW Group carrier family. Current published guidance indicates a broad workers’ compensation appetite with primary coverage offered in 22 states and incidental coverage in 24 additional states, while Snap Instant Quote is targeted to small business risks with single-state operations. Snap Instant Quote eligibility is published for selected class codes with minimum manual premium as low as $1,500 for insureds operating in a single state in CA, FL, GA, IA, IL, IN, KY, MD, MI, MN, MO, NC, NJ, NV, NY, OK, PA, SC, TN, TX, VA, or WI. For non-Instant Quote business, the published minimum manual premium is $2,500. ICW accepts submissions up to 120 calendar days before effective date through Snap, and market reservation is emphasized through early submission with currently valued loss runs attached. Published submission requirements include 4 years of currently valued loss runs, valued within 120 days of effective date, 4 years of historical payroll when available, and a supplemental application; ICW states it will accept other carriers’ supplemental applications. Contractor appetite is specifically qualified: heavier contracting exposures such as framing and excavation/demolition are stated as not written, while higher-severity classes such as wallboard and commercial painting may be considered when the account is demonstrably best-in-class in management and operations. Incidental exposure is limited to up to three stories or 45 feet. Available plan options published in the guidelines include guaranteed cost, large deductible for standard premium $500,000 or greater in CA, NV, and FL, retros by discussion with the underwriter, dividends in FL, IA, NJ, VA, and WI, plus certain CA classes such as towing, agriculture, and tree trimming, and consent-to-rate by discussion with the underwriter. Producer/broker operating guidance centers on Snap and Agent Portal: producers can submit and manage applications online, resubmit renewal business up to 120 days before renewal, monitor submission status, access policies/claims/invoices, and retrieve up to 5 years of loss runs in Agent Portal. ICW also publishes agent support contact paths through Agent Portal/Snap resources. Overall, the currently published guidance reflects a national work comp platform for appointed agents, with preference for small to mid-size, single-state, clean-loss, operationally disciplined accounts and added scrutiny or declination for heavier construction exposures.