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    Car and truck insurance

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    3 years ago

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    Cluett Commercial Insurance Agency

    Cluett Commercial Insurance Agency

    (3 reviews)

    Look else where to do business…read more Took out Workers comp when we had Nanny back in 3/2/2015, which was thru Amtrust. Cost was $314 with option to pay in 2 installments. We decided to just pay all at once...mistake. Cancelled almost 1/2 year later In September b/c we moved and no longer had a nanny. Was expecting something close to $150 back. Fast forward another 6 months, and still hadn't received our refund. After numerous emails, they refunded us $2...citing 'minimums' that were not disclosed when they gave us the quote. Amtrust told us that since we went thru Cluett, they had to be the ones to do revisions to get the majority of our refund back. Today, got another email back saying they could prorate some of the contract, and to look for a $30 refund in mail in 30-45 days. That means, we will be getting back 10% of our premium back after canceling the insurance and using only 50% of it... For comparison, when we cancelled our insurance policy (auto and renters), we got our prorated amount back within a month from another agency. Hope that $120 extra was worth folks understanding how you guys do business. Shame on you. Summary: Premiums are what are paid to insurance companies in case something goes wrong. In this case, when nothing goes wrong, it's usually a good thing. Except when you find out the insurance company doesn't do the right thing.

    I have read the Review sent in July 2016. Obviously, the…read morewriter does not know anything about the insurance business. Commercial Carriers; have what they call a 'minimum premium'. Basically, it is a minimum amount the carrier will charge to open a policy. I'm surprised the WC premium was so low as most carriers charge a minimum of 500-1500$. He should have been thankful he got something back. On personal lines it's a totally different scenario.

    RogersGray - homeinsurance - Updated May 2026

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