For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
American Lumber Underwriters
Contact Us
contact_phone Click to call
American Lumber Underwriters
Contact Us
contact_phone Click to call

Lumber and Woodworking Industry Workers Compensation

Here at American Lumber Underwriters, we specialize in tailored Workers Compensation solutions for businesses in the lumber and woodworking industry. As a Managing General Underwriter (MGU) focused on forest products, we understand the specific operational risks your clients face — from heavy saws and planers to repetitive motion and mobile equipment exposures. We place difficult and high-hazard accounts that many standard carriers will decline.

Program Overview

Our Lumber and Woodworking Industry Workers Compensation program is designed for higher-hazard wood operations that are often underserved in the standard market. We work with multiple carriers on a non-admitted basis to provide competitive placement options where admitted carriers may not be available. The program supports both new and renewal business and is set up to help agents place accounts with prior loss history or assigned risk experience.

Target Classes and Ideal Accounts

We concentrate on a broad range of wood and forest products operations, including: • Sawmills
• Planer Mills
• Cabinet Manufacturing
• Hardwood Flooring Mills
• Veneer & Plywood Manufacturing
• Pallet & Truss Manufacturing
• Laminated Wood Products
• Door, Window, and Stair Manufacturing
• Millwork & Furniture Manufacturing
• Chip & Mulch Mills
• Wood Treating Facilities
• Lumber Yards
• Building Material Dealers
• Hardware Stores Typical accounts that fit this program are operations with heavy machinery, mobile equipment, manual material handling, or repetitive motion exposures. Accounts with prior large losses or those that have been declined in the admitted market are welcome — provided they meet underwriting guidelines.

Coverage Features and Risk Control

Beyond placement, American Lumber Underwriters offers risk control resources aimed at reducing frequency and severity of claims:
  • On-site operational safety inspections
  • Claims reviews and hands-on support
  • Web-based training tools and streaming safety videos
  • Safety literature, white papers, and DVDs
These resources are intended to strengthen safety programs, help improve loss experience, and support long-term premium stability.

Underwriting Requirements and Minimum Premiums

To submit accounts, provide the following: • Completed Workers Compensation application with FEIN
• Five years of premium and payroll history
• Five years of currently valued loss runs
• Details on losses over $25,000
• New and expiring Experience Rating Worksheets
• Number of employees by class code Minimum premium guidance:
  • $10,000 minimum for most classes
  • $20,000 minimum for sawmills
Underwriting will consider operations, safety controls, loss trends, and class mix. Large or complex operations may require additional information or inspections.

States and Availability

This non-admitted program is available in most states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI.

Why Work With American Lumber Underwriters?

We are a niche MGU focusing exclusively on lumber and forest products. That focus gives us stronger underwriting insight, faster turnaround on decisions, and targeted risk control support compared with generalist markets. We help agents place accounts that are hard to place elsewhere and work collaboratively to keep coverage in force as accounts improve.

You might have a regional cabinet manufacturer with repetitive motion exposures and recent soft tissue claims — we can provide placement options and loss-control resources to address the exposure. Or you may be placing a sawmill with mobile equipment and custom cutting operations — we have appetite for sawmills subject to the program minimum.

We're ready to quote you!

Frequently Asked Questions

What types of accounts are a good fit for this program?

We specialize in higher-hazard wood operations such as sawmills, cabinet and furniture manufacturers, chip mills, pallet manufacturers, and other forest products facilities.

Is this program admitted or non-admitted?

This Workers Compensation program is written on a non-admitted basis through multiple carriers to provide market access where admitted options are limited.

What is the minimum premium required?

Minimum premium is $10,000 for most classes and $20,000 for sawmills.

What submission information is required?

Provide a completed WC application with FEIN, five years of loss runs and premium/payroll history, details on large losses, experience rating worksheets, and employee counts by class code.

In which states is this program available?

Coverage is available in most states across the U.S., including CA, TX, FL, NY, and many others listed above.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    -
  • Min Premium:
    $10,000 for most classes. $20,000 for Sawmills

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

19620 W. Catawba Ave., 206
Cornelius, NC 28031
470-214-4146
View Map

APPLICATIONS

CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
American Lumber Underwriters has other insurance programs like Equipment Rental.