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American Lumber Underwriters
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American Lumber Underwriters
Contact Us
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Lumber and Woodworking Industry Workers Compensation

Here at American Lumber Underwriters, we specialize in providing tailored Workers Compensation solutions for businesses in the lumber and woodworking industry. As a Managing General Underwriter (MGU) with deep expertise in the forest products sector, we understand the specific risks and operational challenges your clients face — and we’re here to help you place difficult accounts that many standard carriers won’t touch.

Program Overview

Our dedicated Lumber and Woodworking Industry Workers Compensation program is designed to serve high-hazard classes that are often underserved in the marketplace. From sawmills and chip mills to cabinet and furniture manufacturers, our program covers a broad range of operations involving heavy machinery, repetitive motion, mobile equipment, and manual material handling. We work with multiple carriers on a non-admitted basis to offer competitive options where others may decline.

Target Classes

We focus on a wide range of businesses within the lumber and woodworking space, including but not limited to: • 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 If you have a client operating in any of these sectors — especially one that has been declined due to high exposure levels — we can help you find a solution.

Coverage Features and Risk Control

Our program goes beyond just placing coverage. We offer valuable risk control resources, including:
  • Operational safety inspections
  • Claims reviews and support
  • Web-based training tools
  • Streaming safety videos and DVDs
  • White papers and safety literature
These tools are designed to strengthen your client’s safety programs, ultimately improving claims outcomes and reducing Workers Compensation premiums over time.

Underwriting Requirements and Minimum Premiums

To submit an account for consideration, please 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 per class code Minimum premium requirements:
  • $10,000 for most classes
  • $20,000 minimum for sawmills
We welcome both new and renewal business and can assist you with accounts that have prior loss challenges or are transitioning from assigned risk pools.

States and Availability

Our 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’re not a generalist — we’re laser-focused on the lumber and forest products industry. This focus allows us to provide smarter underwriting, faster claims service, and more effective risk management support than many general markets. We work closely with you to help secure and maintain coverage for your clients, even in the most challenging classes.

Whether you’re placing a large sawmill operation with mobile equipment and custom-cutting operations, or a regional cabinet manufacturer with repetitive motion exposures, our team is ready to work with you every step of the way.

We are waiting to quote you!

Frequently Asked Questions

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

We specialize in high-hazard wood-related operations such as sawmills, cabinet and furniture manufacturers, chip mills, and pallet manufacturers.

Is this program admitted or non-admitted?

This Workers Compensation program is written on a non-admitted basis through multiple carriers.

What is the minimum premium required?

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

What submission information is required?

You’ll need to provide a completed WC application, five years of loss runs, premium/payroll history, details on large losses, and employee breakdown by class code.

In which states is this program available?

We offer coverage in most states, including CA, TX, FL, NY, and many others across the U.S.

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

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CONTACT INFORMATION

LOCATION

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

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American Lumber Underwriters has other insurance programs like Equipment Rental.