Cluett Commercial Insurance Agency, Inc.
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Cluett Commercial Insurance Agency, Inc.
Flood Insurance Program
Primary & Excess Coverage
​Private Primary Flood Insurance Program
Quick, Easy, Reliable flood insurance is a click away. We’ve simplified what can be a complicated, time-consuming task. Let our flood insurance professionals assist with your agency flood insurance needs. ​
Dual Private Primary Flood - Click Here to Rate Online
NFIP Flood Insurance Program
Primary Coverage

FEMA/National Flood Insurance Program (NFIP)

The NFIP Program is available in all states.
​
Cluett Advantage: All Claims Serviced Internally
Unlike many other carriers that write Flood Insurance through FEMA/NFIP on a Write Your Own (WYO) policy, our carrier services all aspects of the program internally, not through a Third-Party Administrator (TPA).

Ask Us About: Grandfathering
Grandfathering is the Most Overlooked Optional Rating on the National Flood Insurance Program.
​
Flooded House
Flooded House
Flooded House
Excess Coverage

​Cluett Advantage: Excess Flood Policy
Banks and Mortgage companies may require limits that exceed those offered through the NFIP policy.
In addition, in many cases the  Insured's properties exceed the NFIP policy limits.

Download: Excess Coverage Limits, General Rules & Underwriting Guidelines
Check: Excess Flood Eligible States
Check: Excess Flood Ineligible Risks
​Educational Resources

Download: Flood Insurance Basics
Download: Coverages & Definitions
Download: Flood Insurance Claims Handbook
Download: Flood Map Changes - Tips & Talking Points
​​Training: Free Online Training Courses For Insurance Agents
Interactive Data: Historical Flood Risk and Costs By State
​The Flood insurance 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. Please contact our Underwriting Department for questions or information on all available programs.
Other Available Programs
​Commercial Auto:
Commercial Auto Programs
​
Workers' Compensation:
Programs & Products
​​Hazardous Industries
FlexPay Program

Business Owner's Policy:
BOP Programs​
Liability Programs:​
General Liability
​Umbrella/Excess Liability
​Snow Removal Contractors

​Package Insurance Programs:
Business Insurance
​Day Care Facilities
Flood Insurance:
Primary & Excess Coverage

​Specialty Programs:
​cluettSpecialty Site
cluettSpecialty
​
Cluett Commercial Insurance Agency, Inc.
431 Country Club Way, Units C&D

Kingston, MA 02364
Toll Free: 800-926-6771
Massachusetts: 781-582-1600
Fax: 781-585-4180

​[email protected]

​ © 2025 | Cluett Commercial Insurance Agency, Inc. |  All Rights Reserved.  |  Privacy Policy
  • HOME
  • ABOUT US
  • AGENTS
    • GET APPOINTED
    • REQUEST A QUOTE
    • PAY NOW
    • INSURANCE MARKETS
  • PROGRAMS
    • COMMERCIAL AUTO >
      • NEMT
      • ADP ONLINE RATER
    • WORKERS' COMPENSATION >
      • PROGRAMS & PRODUCTS
      • SPEED QUOTE
      • WORKERS COMP ONLINE QUOTE >
        • WORKERS ONLINE APPLICATION
  • GET A QUOTE
    • REQUEST A QUOTE
    • APD ONLINE RATER
    • NEMT PREMIUM INDICATION
    • WORKERS' COMP >
      • SPEED QUOTE
      • INSTANT PREMIUM INDICATION
  • MARKETS
  • RISK MANAGEMENT
  • CONTACT
  • BLOG
    • NEMT BLOG
    • WORKERS' COMP BLOG
  • JOIN US
  • MAKE A PAYMENT