ICW Group Insurance Companies recently welcomed Tracey Estes as Chief Underwriting Officer of ICW Specialty, a newly formed division that includes VerTerra Insurance. In her new role, Estes will guide the launch and development of specialized products within the Excess and Surplus market.
Tracey Estes Joins ICW Group Insurance Companies to Lead New Business Unit, ICW Specialty

Key Takeaways:
- ICW Group has launched a new business unit, ICW Specialty.
- Tracey Estes steps in as Chief Underwriting Officer for the division.
- VerTerra Insurance, ICW Group’s Excess and Surplus carrier, is part of ICW Specialty.
- Estes will oversee development, operations, and overall growth strategy.
- The announcement came from ICW Group on September 15, 2025.
Leading a New Specialty Unit
ICW Group Insurance Companies announced on September 15, 2025, that Tracey Estes has joined the company as Chief Underwriting Officer of a newly formed business unit called ICW Specialty. This division includes VerTerra Insurance, an Excess and Surplus lines carrier under ICW Group.
Strategic Growth Under Estes’s Guidance
“Estes will lead the launch and growth of the business unit, advancing the company’s specialized product strategy,” said ICW Group in its announcement. In this capacity, she is responsible for shaping ICW Specialty’s development and operations, ensuring that the organization’s specialized insurance offerings align with the evolving needs of clients in the Excess and Surplus market.
Looking Ahead
By uniting VerTerra Insurance under the ICW Specialty banner, ICW Group focuses on delivering unique solutions to customers in specialized niches. Estes’s leadership reflects the company’s broader commitment to expanding its presence in a rapidly evolving sector, emphasizing innovation and expertise in E&S coverage.