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
Explorer Insurance Company is part of ICW Group and is currently used as one of the ICW Group paper companies for workers’ compensation; Explorer has fully withdrawn from its prior personal auto business (all personal auto policies expired by 09/30/2021 and no new/renewal auto is being written). PRODUCT & GEOGRAPHY - Current active appetite is ICW Group workers’ compensation written on ICW Group member companies (including Explorer Insurance Company) rather than a standalone Explorer program. Appetite, exclusions, and submission rules are at the ICW Group level rather than by individual company. - ICW Group markets a broad, multi‑state workers’ compensation appetite; specific eligible states and program availability should be confirmed with your ICW Group underwriter or marketing contact. PREFERRED BUSINESS / TARGET RISKS (ICW GROUP WC) - ICW Group describes a “broad underwriting appetite” for workers’ compensation, serving accounts from small (starting at roughly low‑thousands in premium via Instant Quote or small‑account programs) to large accounts, with multiple plan options (guaranteed cost, deductible, retros, dividends).([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-work-comp-large-business-program-highlights-with-exclusions.pdf?utm_source=openai)) - Focus is on well‑managed businesses that demonstrate safety controls, openness to risk management, and a track record of manageable loss experience. (This is emphasized across ICW Group WC marketing and submission materials even where not laid out line‑by‑line.) RESTRICTED / DECLINED CLASSES - ICW Group’s workers’ comp Submission Guidelines identify certain excluded operations that are not eligible for quotation. The document notes ICW Group has a broad appetite but lists a short set of excluded business types across all premium sizes. (The PDF is high level; detailed excluded class lists are generally accessed via the producer toolkit or from your underwriter.)([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-work-comp-submission-guidelines.pdf?utm_source=openai)) - Producers should treat the published exclusions as hard stops: risks in those categories are not to be submitted unless a specific underwriter exception is granted. SUBMISSION REQUIREMENTS & PROCESS - Submissions are made through ICW Group’s systems (e.g., SNAP / Instant Quote and other ICW Group submission channels) using ICW Group, not Explorer‑branded, producer workflows. Explorer Insurance Company may be selected as the issuing company by ICW Group but this is handled internally; treat all submissions as ICW Group WC submissions.([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-snap-producer-guide.pdf?utm_source=openai)) - Producer guide highlights basic processing steps: 1) Complete all required SNAP/ICW application fields to create a submission. 2) Submit the application; ICW Group underwriters review and, if the risk fits appetite and guidelines, issue a quote. 3) Review quote and documents for accuracy with the insured. 4) Contact ICW Group to bind coverage. 5) ICW Group issues policy documents. Explorer may appear on the paper, but underwriting rules are ICW Group’s.([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-snap-producer-guide.pdf?utm_source=openai)) - Required underwriting information typically includes full ACORDs, detailed class codes and operations description, prior loss runs, experience mod information, and contact details for the insured’s risk‑management/safety contact, consistent with the WC submission‑guideline PDF.([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-work-comp-submission-guidelines.pdf?utm_source=openai)) BROKER / PRODUCER NOTES - ICW Group positions itself as having a broad WC appetite but expects producers to pre‑screen against the excluded‑operations list and to submit complete, high‑quality applications. - Use the ICW Group producer portals and marketing toolkits for the latest appetite grids and state/program specifics; the ICW Group WC Submission Guidelines PDF is the controlling high‑level reference and is updated periodically (most recent revision referenced in the file header).([icwgroup.com](https://www.icwgroup.com/workers-compensation/library/icw-group-work-comp-submission-guidelines.pdf?utm_source=openai)) - For questions on a specific risk or whether Explorer or another ICW company will be the issuing carrier, brokers should contact their ICW Group underwriting or marketing representative directly rather than treating Explorer as a separate underwriting platform. LEGACY PERSONAL AUTO NOTE (IMPORTANT) - Explorer Auto Insurance Company (Explorer Insurance Company) has completed its withdrawal from the personal auto insurance business; all personal auto policies were non‑renewed and expired by September 30, 2021. No new or renewal personal auto submissions should be made; the only remaining activity is claims servicing on prior policies.([icwgroup.com](https://www.icwgroup.com/explorer-auto/?utm_source=openai))