Programs available through Cluett Insurance Services, Inc.

Each Workers' Compensation Program offered through Cluett varies by state, minimum premium, eligible classes, and modification factor or by loss ratio. The underwriters at Cluett review each submission to match program eligibility and provide a quote(s) when available. To review general carrier and state specific requirements for each program click on the program listed below. The states in which these programs are available are listed under program states to the left. If you have specific underwriting questions please contact our Underwriting Department directly at (800) 926-6771 ext 16 or 24.

Click on the program to learn more.

Chartis	Small Business Program (Minimum Premium Starting @ $2,000, MAX $130,000) Middle Market Program ($130,000 and over) Healthcare Program (PDF) Temporary Staffing Program & Supplemental Application(PDF) PAY AS YOU GO Requirements (PDF)
Guard Insurance Group	Small Business Program (Minimum Starting at $300) Restaurant, Automotive and Wholesale Group Dividend Plans
eQBE	Small Business Program (Minimum Starting at $5000 to $150000)
ACE Complete	Small Business Program (Minimum Premium Starting @ $2,000, MAX $150,000) Middle Market Program ($150,000 and over) PAY AS YOU GO Requirements (PDF)
Magna Carta Companies	Retail/Restaurant Programs (Minimum Premium $1,500)
AM Trust/CyberComp	Small Business Program (Minimum Premium Starting @ $300)
Norfolk & Dedham	Office/Retail Program (Minimum Premium Starting @ $300, MAX $15,000)
Arrow Mutual Selective Group	Mid to Large Size Program ($100,000+)
SeaBright	Middle to Larger Size Risks (Min Premium $25,000 or $75,000 depending state)
PAY AS YOU GO Feature PAYGO Presentation (PDF)	Several of our carriers offer a PAY AS YOU Premium Payment Option. This feature allows the insured the ability to pay premium based upon actual payroll versus estimated annual payroll. Depending upon the carrier this feature may provide Direct Reporting or link with insureds Payroll Provider. Agents must list this payment option when submitting a risk for quotation. Carriers offering PAY AS YOU GO: Chartis, ACE, Guard. Additional Programs available contingent upon carrier underwriting. Pay As You GO Requirements (PDF)