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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.