HAZARDOUS INDUSTRIES
​Workers' Comp

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

VIEW: Submission Requirements
CHECK: Eligible States
DOWNLOAD: Available Class Codes

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

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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
• Moulding & 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 Acord Forms and Supplemental Applications are available to download and print. 

OTHER AVAILABLE PROGRAMS

Business Owner's Policy:
BOP Programs​

​Package Insurance Programs:
Business Insurance
​Child Care Facilities

Liability Programs:​
General Liability
​Umbrella/Excess Liability
​Snow Removal Contractors

​Commercial Auto:
Commercial Auto Programs

Workers' Compensation:
Programs & Products
​​Hazardous Industries

Specialty Programs:
​cluettSpecialty Site

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