Workers' Compensation
Hazardous Industries

​Workers' Compensation Insurance: Hazardous Industries

Cluett is proud to offer a stable Workers’ Comp market for your small to mid-sized businesses in low frequency, high severity, claims-driven industries. High risk? At Cluett, “Tough is easy!”

Available Industries
​​Agribusiness
Construction
Manufacturing
Marine
Oil & Gas
Trucking
Wood Products

​Program Highlights

• “A” (Excellent) Rated Carrier
• Monthly, Quarterly or Annual Premium Reporting
• Direct Bill Option
• Convenient Claims Reporting System

Quick Links
Submission Requirements
Eligible States
Available Class Codes

"Ask us about available Property & General Liability Coverage, too!"

 

Agribusiness

Target Classes

• Crop Maintenance & Harvesting
• Grain & Produce Processing
• Livestock Feedlots
• Livestock Transportation
• Meat Processing
• Nursery Operations
• Poultry & Egg Farming
• Preserved & Canned Foods

 

Construction

​Target Classes

General Liability

• Carpentry
• Concrete Finishing
• Dirt Work
• Electrical Concrete Finishing
• Masonry
• Painting/Paper Hanging
• Plumbing
• Roofing (Commercial & Residential)
• Wallboard
  

Heavy Construction

• Blasting
• Bridge Construction
• Concrete Work
• Drainage/Irrigation
• Excavation
• Iron & Steel Erection
• Pile Driving
• Power Line Maintenance
• Railroad Construction & Maintenance
• Street Construction
• Structural Operations
• Tower Erection & Maintenance
• Utility Contractors

 

Manufacturing

Target Classes

• Concrete Manufacturing
• Iron & Steel Fabrication
• Paper & Metal Products
• Plastics
• Sheet Metal Work
• Tank Building
• Trailer Manufacturing
• Welding

 

Marine

Target Classes

USL&H

• Freight Handling
• Marina Management
• Port Management
• Ship Construction
• Ship Painting
• Ship Repair
• Stevedoring

Maritime/Jones Act

• Diving
• Dredging Operations
• Program I & II
• Supply Boats
• Tug Boats
• Vessels

 

Oil & Gas

Target Classes

• Acidizing/Cementing
• Casing Perforation
• Core Drilling
• Cracking Plants
• Foundation Testing
• Gas Distribution
• Oil Well Cleaning
• Pipelines
• Recycling Plants
• Saltwater Disposal Wells
• Site Preparation
• Shot Hole Drilling
• Wireline

 

Trucking

​Target Classes

• Dirt Hauling
• Forest Product Transportation
• Gravel Hauling
• Long Hauling
• Ready Mix
• Short Hauling
• Towing

 

Wood Products

​Target Classes

• Box & Shook
• Cabinets
• Chip Mills
• Furniture
• Molding & Veneer
• Pallet Mills
• Planer Mills
• Sawmills
• Logging

 

Submission Requirements

​Please include the following:

• Completed ACORD application
• Expiring and 3-year current value, hard copy loss runs
• Current Mod worksheet, or expiring and 3-year historical payrolls by class code
• Narrative description of the account

Submissions accepted 120 days in advance of the current expiration date. 
Minimum rated premium is $10,000.

​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. Please contact our Underwriting Department for questions or information on all available programs.

Workers' Compensation Supplemental Applications are available to download and print. ​ 

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

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