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Non-Emergency Medical Transportation
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All Auto Coverages, plus GL/PL & Workers' Comp!
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Our Special NEMT Program offers VERY Competitive Rates and specializes in products that solve the more challenging placement issues faced by our clients.
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Available Coverages:
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Commercial Auto Liability
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Stand-alone Hired & Non-owned
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Towing & Rental Reimbursement
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Physical Damage
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Large Deductible Programs Available
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Workers' Compensation
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Financial Strength and Stability:
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Carrier “A” Rated Admitted (Excellent XV)
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More than 20 Years of Experience in Commercial Auto
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Superior Claims Handling and Unique Risk Management Services
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Very Competitive Rates and Commissions
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Additional Target Classes:
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NEMT
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Ambulances
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Hospitals & Health Facilities
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Retirement Homes & Senior Centers
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Driving Schools
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Security Guards
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Funeral Operators
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Large Loss Accounts
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Overseas Companies with U.S.-based Operations
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Stand-alone Hired and Non-owned
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Symbol 10 / Manuscript Coverage
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Real Estate Investment Trusts
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Large Sales Fleets
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Landscapers
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Contractors
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Special Events
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Farming & Agriculture Risks
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Couriers
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Undesired Classes: Taxis, Buses/Public Livery, Uber/Lyft Exposures, Trucking for Hire, Dump Trucks, Ready Mix Operations, Sand & Gravel Haulers, Towing Operations, Garage Liability, Auto Dealers, Car Rental Operations, Railroad Operations, Waste Haulers, Hazardous Material Haulers
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Cluett offers many Transportation Insurance Programs and can entertain most risks. Please contact an Underwriter if you have any opportunities that fall outside the above.
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Lines of Coverage:
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Business Auto Liability
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Uninsured / Underinsured Liability
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Medical Payment Coverage
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PIP Coverage when required by State Law
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Hired & Non-owned Coverage
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Auto Physical Damage – Comp & Collision
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Towing
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Rental Reimbursement
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Garage Keepers Liability
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Workers' Compensation
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Limits & Deductibles:
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Primary Auto Limits of $100,000 to $1,000,000 (Higher Limits may be available)
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Liability Deductibles are available starting at a $25,000 Minimum Deductible
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Physical Damage Deductibles require a $1,000 Minimum Deductible
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Underwriting Guidelines & Submission Requirements:
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Driver Criteria: The minimum driver age is 21 years old; however, Underwriting willing to discuss exceptions. Drivers and employees of ambulance companies maybe under 21 years of age as long as they have completed an EMT or Paramedic training program.
The following driver guidelines will apply to ALL drivers:
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All drivers must have a valid Commercial Driver’s License when required.
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Any driver who has 2 moving violations: 1 accident and 1 moving violation within the last 36 months will be placed on “Watch” in which case the insured will be notified that they may have a potential problem with a driver.
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Any driver who has either 3 moving violations: 1 accident and 2 moving violations or 2 accidents within the last 36 months will be placed on probation. When placed on probation the agent must submit a new MVR for this driver every six months until they fall out of probation; should they obtain another moving violation or an accident then they will be excluded.
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Any driver who has a DUI, reckless driving, vehicular manslaughter or any other serious charge the underwriter believes fits within this category within the last 7 years will be excluded from the policy.
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Cluett Commercial Insurance Agency, Inc., 8 Pembroke Street, Kingston, Massachusetts 02364
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