Search CompleteMarkets

Forest Insurance — Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc. offers a dedicated Forest Insurance program designed for timber-related operations. The program covers core exposures associated with logging, log road construction, reforestation, chipping operations, and hauling of logs and chips. Available coverages include commercial general liability, commercial auto, and umbrella protection (specific coverages and forms may vary by state). Overview of the Program From the Company This program is offered through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter with market access to Chartis. It is positioned for agents who need a market that understands the unique operational, equipment and transportation risks of the forest and timber industry. Underwriting focuses on matching appropriate limits and endorsements to on-site exposures and fleet operations. Ideal Accounts and Appetite Independent loggers and small-to-mid-sized logging contractors Companies that build and maintain log roads Reforestation contractors and timber stand improvement crews Chipping and grinding operations located at yards or landing sites Contract haulers of logs and wood chips (dedicated fleets and owner-operators) Good candidates have documented safety programs, routine equipment maintenance, qualified drivers, and manageable transportation routes. Accounts with chronic loss histories, large-scale aerial logging, or significant unmitigated environmental exposures will require additional underwriting review. Coverage Highlights and Advantages Commercial General Liability tailored for operations with high third-party exposure (road crossings, public land access, bystanders). Commercial Auto coverage designed for log and chip hauling fleets, including options for physical damage and hired/non-owned autos. Umbrella/excess capacity to provide higher limits over primary liability and auto policies (availability varies by state). Underwriting that recognizes common industry controls: flagging/traffic control, roadside signage, haul route restrictions, and seasonal limitations. Access to Chartis paper through an MGA experienced in timber and forest exposures. Underwriting Notes Useful submission items: current loss runs, description of operations (harvest method, equipment list), list of drivers and MVRs, safety/maintenance programs, typical haul distances, and details on any subcontracting. Important exposure factors include slope/terrain, timber value per acre, proximity to public roads and utilities, and frequency of loaded hauls on public highways. Endorsement and limits options vary by state; discuss specific limit needs and any higher-hazard operations up front with the underwriter. Territories and Availability Program availability: All Available States. This Forest Insurance program is available in the following jurisdictions: AL, AK, AZ, AR, 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Victor O. Schinnerer & Company, Inc. on This Business Specialized underwriting knowledge of timber and forest operations combined with access to Chartis capacity. MGA-level service designed for agents who need flexible solutions for mixed operations (logging + hauling + chipping). Practical appetite: emphasis on controllable accounts with demonstrable safety programs and documented fleet controls. Clear submission guidance to streamline placement and underwriting response. Example Client Scenarios Example 1: You have a family-owned logging contractor that runs two tracked feller-bunchers, a chipper at the landing, and a three-truck fleet hauling to a nearby mill. The program can combine GL and auto coverages and provide umbrella limits to protect the contractor for haul-related exposures. Example 2: An independent contractor who performs log road construction for multiple timber owners needs coverage for both road construction operations and subsequent hauling by subcontractors. A tailored package of liability and auto coverage with appropriate endorsements may be placed through this program. Frequently Asked Questions What types of accounts are a good fit for Victor O. Schinnerer’s Forest Insurance program?Best fits are logging contractors, log road builders, reforestation crews, chipping operations, and contractors who haul logs and chips—especially those with documented safety programs, maintained equipment, and controlled haul routes. What coverages are typically available through this program?Primary coverages include commercial general liability, commercial auto for log and chip haulers, and umbrella/excess liability. Specific forms, endorsements and availability can vary by state. What submission information will the underwriter need?Provide recent loss runs, a clear description of operations and equipment, driver rosters and MVRs, details on haul distances and routes, safety and maintenance programs, and any subcontractor arrangements. Need help placing an account? Connect with a market specialist.

...ilding companies Logging and forestry operations Agricultural and farm...logging, agricultural, landscaping, forestry, and many types of industrial mac...

...nstruction, Crane & Rigging, and Forestry accounts, this program covers mobile...

...ram administrator focused on the forestry and construction industry. Classes ...

...ounts with heavy tree removal or forestry operations exceeding incidental trim...

...o equipment owners, dealers, and forestry operations. Ideal Accounts and Appe...ent, equipment dealers, logging and forestry operations, and public entities i...

... Professionals (agents, property managers, consultants) Architects and Engin...

Arrowhead General Insurance Agency, Inc. offers the Automotive Aftermarket - Garage Package — a commercial package built for retail and service-focused auto businesses. Backed by an admitted A+ (XV) carrier rated by A.M. Best, this program combines decades of underwriting experience with targeted coverages for the automotive aftermarket. Use this program to place new business or renewals for repair shops, retail tire stores, quick lube centers and other specialty installers. Originally developed by Universal Underwriters, Arrowhead continues to underwrite this product with a focus on practical, industry-specific risk transfer. The program supports both quick online binding for eligible small-to-mid accounts and manual handling for larger placements. Ideal Accounts and Target Classes This program targets small to mid-size businesses in the automotive aftermarket. Agents can submit a wide variety of garage and retail-oriented risks; all account sizes are considered with defined online and manual submission thresholds. Target classes include: Auto body, collision and repair shops General mechanical repair shops Brake and muffler specialists Auto glass repair and installation Transmission repair shops Retail tire stores Retail auto parts and accessories (new parts only) Car stereo and alarm installers Quick lube and oil change centers Note: Towing operations and other classes not listed above may be eligible but typically require a production commitment and a separate contract. Learn more about our towing coverage options. Coverage Highlights and Advantages The Garage Package groups common and specialty coverages agents need when placing automotive aftermarket risks: Garagekeepers liability — direct or legal liability options Business auto liability and physical damage General liability and employee benefits liability Mechanics errors & omissions (E&O) Business income (Actual Loss Sustained) Employee tools coverage Crime coverage — employee dishonesty, forgery, and money/securities Equipment breakdown protection Property coverage extensions Umbrella and excess liability options Underwriting Notes and Submission Guidelines Arrowhead provides multiple submission paths to speed placement while handling larger, more complex risks manually: Instant online binding for eligible risks with premiums up to $50,000 Online quoting and submission required for accounts with premiums up to $125,000 Manual submission (ACORD plus supplemental forms) required for accounts exceeding $125,000 Minimum premium levels and specific underwriting requirements vary by state and class — please inquire for detailed thresholds and documentation checklists. Territories and Availability The program is available in most U.S. states. It is not available in AK, HI, FL, LA or TX. Arrowhead is actively contracting producers nationwide; current states served include AL, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Arrowhead As a specialized general agency, Arrowhead combines deep automotive aftermarket underwriting experience with streamlined digital workflows. Agents get access to an admitted, highly rated carrier, flexible coverage form options, and a team familiar with common garage exposures. The program is designed to move business quickly when appropriate, while also accommodating larger or more complex accounts through manual underwriting. Example Accounts That Fit This Program A single-location collision and repair shop that needs garagekeepers coverage, general liability, business auto and property extensions. A multi-bay quick lube center or retail tire store seeking combined property, GL, employee tools and optional umbrella protection. Click to learn more. Not appointed with Arrowhead? Apply online at ArrowheadGrp.com/producers/ Frequently Asked Questions What types of accounts are a good fit for this program?The Garage Package is well suited for auto repair shops, retail tire and parts stores (new parts only), quick lube centers, and specialty installers such as car stereo or alarm shops. Is towing coverage included in this program?No. Towing operations require a separate contract and production commitment. Coverage for towing is available through a dedicated Arrowhead towing program. How can I submit an account?You can bind eligible risks instantly online up to the $50,000 premium threshold. For accounts up to $125,000, submit via Arrowhead’s online quoting portal. Larger risks require a manual submission (ACORD forms plus supplements). Is this program available in my state?The program is offered in most states except AK, HI, FL, LA, and TX. Refer to the Territories and Availability above or contact Arrowhead for state-specific details. Do I need to be appointed to submit business?Yes. Producers must be contracted with Arrowhead to access the program. You can apply online through their producer portal. Need help placing an account? Connect with a market specialist.

... Contractors Logging & Forestry Agriculture Construction ...