Ideal Accounts and Appetite
This program targets a broad range of forest-products operations, including:
- Sawmills and lumber manufacturers
- Pallet manufacturers
- Veneer and plywood producers
- Wood component fabricators
- Wood treating and drying operations
You might place a mid-sized sawmill with a drying kiln, planing mill, and on-site processing equipment, or a wood products supplier that operates a regional fleet transporting finished goods. The program is built to handle these multi-exposure, operationally complex accounts.
Coverage Highlights and Advantages
Continental Underwriters’ Sawmill Insurance program provides comprehensive coverage options designed for lumber and wood-products risks:
- Property – Buildings, production equipment, stock and inventory protection against fire, windstorm, vandalism, and other perils.
- Equipment Breakdown – Coverage for mechanical, electrical, and pressure systems critical to production and drying operations.
- Inland Marine – Protection for mobile equipment, contractor’s equipment, and goods in transit.
- Stock Throughput – Streamlined coverage for raw materials through finished goods during processing and shipment.
- General Liability – Defense and settlement for third-party bodily injury and property damage claims arising from operations.
- Commercial Auto – Liability and physical damage for company fleets and transportation of wood products.
- Workers’ Compensation – Employee injury coverage and compliance support for high-hazard operations.
- Umbrella – Excess liability capacity to protect against large loss scenarios.
Beyond policy forms, Continental Underwriters partners with agents to deliver tailored risk assessments, workplace safety guidance, and loss-control recommendations intended to reduce frequency and severity of claims.
Underwriting Notes
This is a non-admitted program, which allows flexible terms and customized solutions for complex accounts. Underwriting emphasizes strong safety and loss-prevention practices. Typical submission requirements include detailed property values, equipment schedules, loss runs, and written safety protocols. While no formal minimum premium is stated, accounts should be of a scale that warrants specialized underwriting.
Territories and Availability
The Sawmill Insurance program is available nationwide in all 50 states, including Washington, DC. Continental Underwriters can accommodate regional variations in exposure — whether a Pacific Northwest sawmill with log yard exposures or a Southeastern wood treating operation with rail access.
Why Work With Continental Underwriters
As an MGU focused exclusively on the forest products sector, Continental Underwriters offers agents direct access to underwriting specialists who understand mill operations, kilns, treating processes, and transportation needs. The company emphasizes responsive underwriting, practical loss control, and tailored policies that match the operational realities of lumber and wood products businesses.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits sawmills, pallet and veneer producers, wood component fabricators, and related forest products operations with meaningful property, equipment, and liability exposures.
Is this program available in all states?
Yes. The Sawmill Insurance program is available in all 50 states and Washington, DC.
What documentation is needed for underwriting?
Submissions should include current property values, equipment schedules, five years of loss runs (if available), and descriptions of safety programs and loss-control measures.
Can this program cover transportation exposures?
Yes. Commercial Auto and Inland Marine options are available to protect company fleets and goods in transit.
Is this program admitted or non-admitted?
This is a non-admitted program, which allows more flexible coverage forms and underwriting tailored to complex accounts.
Need help placing an account? Connect with a market specialist.