ICW Group Insurance Company Review

All the information you need to decide if this is the right insurance company for you.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


ICW Group Insurance Company at a Glance

  • Founded in 1972
  • Specializes in workers' compensation and earthquake insurance
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

ICW Group Pros: Nearly 50 years' worth of experience in the insurance industry. High ratings through AM Best and the BBB. Offers workers' compensation insurance, earthquake insurance, business interruption and extra expenses coverage. Coverage available in many states.

ICW Group Cons: Not a BBB accredited business. Discount information not readily available.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does ICW Group Offer?

ICW Group insurance company specializes in a few quality products. Their insurance offerings include:

  • Workers' compensation insurance
  • Earthquake insurance
  • Business interruption and extra expenses coverage

Your independent insurance agent can help you find more information about the coverage offered by ICW Group, and help you decide if this insurance company is right for you.

What to Know About ICW Group

ICW Group, or the Insurance Company of the West, was founded in 1972, giving the carrier nearly five decades' worth of experience in the insurance industry. Today, ICW Group focuses its efforts on workers' compensation coverage, earthquake insurance, and business interruption and extra expenses coverage. The insurance company offers coverage in 21 states across the country.

ICW Group has nearly 1,000 employees on its LinkedIn network. In 2021, Investopedia credited ICW Group with the title of "#1 for Commercial Coverage." The carrier was specifically highlighted for its outstanding earthquake insurance.

Thanks to its rich history, financial strength, and award-winning recognition, ICW Group is known as a reputable insurance company with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives ICW Group an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Legal & General America offers guaranteed, reliable coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does ICW Group Offer?

ICW Group does not make its discount information readily available. However, an independent insurance agent can help you find discounts and other money-saving options you may qualify for through the carrier. Independent insurance agents are your greatest ally at finding you the most affordable coverage around.


Connect with an ICW Agent Today.

Shopping for insurance? ICW has you covered.

ICW Group Customer Service

Here's a breakdown of ICW Group's customer service options and availability.

  • Phone contact option
  • Fax contact option
  • Contact form on website
  • Social media contact options

Hours (EST)

Monday-Friday 8 am - 6 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.


What is ICW Group's average claim response timeframe?

ICW Group does not detail a specific claims response timeframe, but they do detail how to file for every type of coverage.

What is ICW Group's customer service availability?

ICW Group is available through their website, social media, phone, or fax. Their phone customer service department is available at regular business hours, Monday-Friday.

What is ICW Group's claims process?

ICW Group's official website states their claims process as follows:

"The amount of time required to handle each claim varies based on the severity of the damage and other factors.

We will pay your claim, or replace or repair your covered property as soon as the damages have been properly, documented and/or an estimate has been prepared for repair, or replacement of your building. Our adjuster will reach an agreed upon price with your contractor. We will pay the fair market value upon receipt of this estimate (subject to the policy’s coverage and deductibles).

If you have replacement cost coverage, which allows for the cost of replacement without deduction for depreciation, we will pay the difference between fair market value and replacement cost as soon as construction is completed or personal property is replaced."

Does ICW Group create a user-friendly experience for customers?

ICW Group's official website is easy to navigate. The carrier also provides multiple contact options for customers, as well as numerous social media accounts. Overall, ICW Group does provide a user-friendly experience for customers.

Does ICW have good earthquake insurance?

ICW Group offers several forms of coverage, but their earthquake insurance is award-winning. The carrier offers the following coverages under its earthquake policies:

  • Buildings
  • Business personal property
  • Loss of business income
  • Sprinkler leakage
  • Betterment or repairs required by local ordinance or law

Additional peril coverage may also be available. An independent insurance agent can provide you with further information about ICW Group's earthquake insurance, as well as their many other insurance products.

Is ICW Group a good insurance company?

With nearly 50 years of experience behind them and numerous high ratings and impressive titles, ICW Group can indeed be considered a good insurance company.

ICW Group Customer Reviews

5 Stars
Great company, excellent claims handling, meets and exceeds all auto insurance needs. Good rates, great customer service. Net cost approach to doing business.

TrustedChoice.com's Final Review

4.5/5 stars

We award ICW Group a final rating of 4.5 out of 5 stars. The insurance company has nearly half a century behind them now, as well as high ratings through both AM Best and the BBB. ICW Group's earthquake insurance was also awarded high praise by Investopedia.

ICW Group offers a few different important coverages for many types of insurance customers in nearly half the states across the US. Overall, we highly recommend working together with your independent insurance agent to look into ICW Group to be your next trusted carrier.

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