ICW Group in Georgia
ICW Group writes workers compensation insurance in Georgia, with A AM Best rating and a $1,000 minimum premium. Georgia carriers operate under NCCI rate filings, with a max weekly benefit of $800 and a statute of limitations of 1 year. Verified 2026-05-09.
ICW Group in Georgia
Strong loss-prevention focus. Significant in CA WC market. The carrier's industry focus is small to mid-market specialty, and the AM Best rating is A with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Georgia workers comp rules that apply to every carrier
Georgia workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $800 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 1 year from the date of injury. Coverage threshold: Employers with 3 or more employees, including full-time, part-time, and seasonal. On 1099 contractors: Workers classified as independent contractors (1099) are generally not covered, but misclassification can lead to liability for the employer.
How to get a ICW Group quote in Georgia
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. ICW Group can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does ICW Group write workers comp in Georgia?
Yes. ICW Group writes workers compensation in most US states, including Georgia. AM Best rates the carrier A (Stable outlook), and the minimum premium is $1,000. Quotes go through agents or direct underwriting.
What kind of Georgia businesses does ICW Group target?
ICW Group focuses on small to mid-market specialty. Strong loss-prevention focus. Significant in CA WC market.
What is the max weekly workers comp benefit in Georgia on a ICW Group policy?
Statutory benefits are set by state law, not by the carrier. Georgia caps weekly indemnity at $800 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. ICW Group pays the same statutory benefit as any other Georgia carrier.
How does ICW Group handle 1099 contractors in Georgia?
Workers classified as independent contractors (1099) are generally not covered, but misclassification can lead to liability for the employer. ICW Group audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does ICW Group offer pay-as-you-go workers comp in Georgia?
Yes. ICW Group offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Georgia through ICW Group.
When does ICW Group audit my payroll in Georgia?
Georgia carriers including ICW Group audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.