Examining an alternative workers' compensation product
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Over the past 12 months, I have spent a great deal of my time looking at alternatives that we as agents can look at for our clients. Many of us have the opportunity to write risks that have issues, or as I sometime refer to it, a challenged account. Cluett has dedicated a separate underwriting unit just to work on these risks that our agents and clients send us on a daily basis.
traditional WC market no longer wants to write
A great alternative that many of us are very unfamiliar with is a Professional Employer Organization, something many of us confuse with employee leasing and completely misunderstand. A PEO is NOT employee leasing.
A PEO program is an excellent alternative that we MUST come to understand. The PEO program can meet our workers' compensation insurance problems that we are having difficulty addressing.
With the PEO:
The PEO program simply provides the smaller business owner with the same advantages as the larger business owner/companies, such as the GEs, Raytheons and other employers with thousands of employees. The ability to purchase insurance products and services at a REDUCED COST.
Cluett: A leading wholesaler of workers comp insurance nationwide:
But for all these positives, all these carriers and programs still won't meet all the needs that you our producers require. To accomplish this, Cluett must explore all alternatives, make these alternatives available to you and help you understand/present these programs to your insureds/clients. This is what separates Cluett from our competitors!
Program education for PEOs:
A brief history of Cluett Commercial Insurance Agency:
In 1981, I started working in the insurance industry with an insurance company that specialized in workers' compensation insurance. Over these past 33 years, I have done nothing but increase my knowledge of this insurance product to better service our agents and clients. I own and operate a large retail insurance agency. I built that agency based on the knowledge and experience I developed in workers' compensation insurance.
In 1995, I decided my career would be much more fulfilling working with retail agents and helping them write and service their workers' compensation insurance needs rather than working against them. Today, I continue to do the same. I will explore and find new insurance markets, new programs and new alternatives that Cluett can use to help you meet the needs you have in this complex industry.
The PEO program is a viable option for many business owners, so let Cluett help you understand it and use it to not only maintain your renewals, but write new accounts as well.
For those of you that work with Cluett, we thank you for your continued business. For those of you that do not, I look forward in working with you.