Workers' Compensation
Programs & Products

Get The Right Coverage
​Find the right insurance policy through our network of top-rated carriers.

Save Money
​Our carrier partners have premium credit programs that may save money.

​Improve Cash Flow
Your clients may be able to eliminate large up-front premium deposit payments and spread them out.​

A Better Workers' Compensation Insurance Solution for Your Clients

Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.

Program Highlights
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• ​Multi-State WC Programs
• Target Class Programs with Special Premium Pricing
• Large Account/Middle Market Programs
• Loss Sensitive Rating Programs
• Small Account Programs
• ​Safety Group Programs
• Deductible Programs
• Retrospective Rating Programs
• 24-Hour Quote Turn-A-Round with Completed Submission
• Immediate Quote Program​

Special Workers' Comp Programs & Products

Commercial Auto

• Paratransit
• Non-Emergency Medical Transportation
• Ambulance/Emergency and 911

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Transportation/Trucking Program

Contractors Programs

• Small Contractors Program in all States
• Contractors with No Prior, New Ventures and Lapse in Coverage

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Restaurants/Bars/Taverns

• ​Fine Dining
• Fast Food with Delivery
• Exotic Dancing
• Up to 100% Alcohol

Convenience Stores

• ​With Self-Service Gas
• With 24 Hour Exposure

Hazardous Industries

• Available Coverage for High Risk Industries

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Health Care

Shooting Sports Gun Program

Nanny/Caregivers Program

​Bed & Breakfast

Ice Skating Rinks

​Churches (including BOP)

Orchards, Vineyards, Floral & Dairy Farms

​Assigned Risk Program

• ​FlexPay "Pay-As-You-Go" Premium Finance Program

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High Experience Mod Program

Agency Captive Programs

​PEO Programs

• ​Cluett offers a dedicated PEO Division

​Program Opportunities

• ​Cluett will help you set up a WC Program

Claims Management Program

​Employee Safety and Awareness Program
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​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

​Commercial Auto:
Commercial Auto Programs
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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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