For logging and timber operations, Workers Compensation Insurance can be one of the most challenging and expensive coverages to secure. With high-risk job duties, remote work environments, and heavy machinery involved, many standard markets shy away from these accounts. That’s where Novatae Risk Group steps in. Through our specialized Workers Compensation Insurance for Loggers program, administered by Empire Underwriters, we help agents and brokers place tough-to-insure logging risks with confidence.
With over 30 years of experience partnering with logging operations, we understand the unique exposures your clients face. Whether your client is a start-up logging outfit or a multi-state operation with prior losses or lapsed coverage, we provide customized solutions to meet their needs. Our team responds quickly, offers access to multiple "A" rated carriers, and delivers creative options for even the most distressed accounts.
Ideal Accounts and Appetite:
- Experience MOD of 1.30 or higher
- High-hazard logging and timber classes
- Field, office, and mixed operations (blue, gray, and white collar)
- Accounts currently in state pools or assigned risk funds
- Distressed, lapsed, cancelled, or non-renewed policies
- New ventures and start-up logging companies
- Multi-state logging operations
- Hard-to-place Workers Compensation risks
Coverage Highlights and Advantages:
- Stand-alone Workers Compensation coverage options
- Guaranteed cost, high deductible, dividend, and retro plans
- Integrated and customized work comp solutions
- Access to many top-rated national and regional carriers
- Fast turnaround and responsive underwriting team
- Custom account handling tailored to your client’s operation
Submission Requirements:
- Completed ACORD 130 application
- 3–4 years of loss runs (if available)
- Details on any large losses
- Supplemental questionnaire (provided upon request)
Territories and Availability:
Our Workers Compensation Insurance for Loggers 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.
Minimum Premium and Market Access:
Minimum premium starts at $10,000. We offer access to both admitted and non-admitted markets, depending on state and account characteristics. Carrier availability may vary by state.
Why Partner With Novatae Risk Group:
As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides deep expertise in complex and high-risk industries, including logging. Our streamlined submission process, flexible underwriting, and broad market access help agents place tough Workers Compensation accounts quickly and efficiently.
Need a quote for Logging Workers Compensation Insurance?
Email your submission to [email protected] or call 800-758-8113 to speak directly with an underwriter.
Frequently Asked Questions
What types of logging businesses are eligible for this Workers Compensation program?
This program is designed for high-hazard logging operations, including companies with field crews, heavy equipment, or remote job sites. New ventures, multi-state operations, and distressed accounts are all considered.
Can I submit an account with a high MOD or recent claims?
Yes, we specialize in accounts with MODs of 1.30 or higher, including those with prior losses, lapses, cancellations, or non-renewals. Detailed loss information will help us find the best fit.
What documentation is required to get a quote?
Submit a completed ACORD 130, 3–4 years of loss runs (if available), a supplemental questionnaire, and details on any large losses.
Are accounts in assigned risk pools eligible?
Yes, we regularly help agents move clients out of state pools or funds by finding better-fit carrier options for their operations.
How quickly can quotes be turned around?
We offer fast turnaround on submissions, especially when complete documentation is provided up front. Contact our underwriting team for current timelines.
Need help placing an account? Connect with a market specialist.