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Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program in the following jurisdictions: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

For over a century, Pennsylvania Lumbermens Mutual Insurance Company (PLM) and Indiana Lumbermens Mutual Insurance Company (ILM) have specialized in supporting the unique needs of the lumber, woodworking, and building materials industries. Through this strategic affiliation, PLM and ILM offer agents and brokers a reliable, long-term partner with deep industry knowledge, tailored coverages, and responsive service. Our Diversified Insurance Coverages program is structured to address the evolving risks faced by businesses in the lumber and building materials sectors. From sawmills and wood product manufacturers to distributors and retail yards, we understand the complexities your clients face and work with you to deliver insurance solutions that support their operations and growth. Ideal Accounts and Appetite This program is designed for businesses in the lumber, building materials, and wood products industries. Ideal accounts include: Lumberyards and building material dealers Wood manufacturers and millwork operations Wholesale distributors of wood-based products Sawmills and wood treating facilities If you have a client operating a multi-location lumber distribution business or a regional sawmill with specialized equipment and property exposures, this program offers comprehensive protection tailored to their operations. Coverage Highlights and Advantages PLM and ILM offer a broad portfolio of coverages designed to address the primary exposures of wood-related businesses. Available coverages include: Property General Liability Commercial Umbrella Commercial Auto Inland Marine Equipment Breakdown Business Interruption and Extra Expense In addition to robust coverage, clients benefit from specialized services that support risk prevention and claim resolution: Dedicated business development representatives Industry-specific risk management resources Experienced claims handling with wood industry expertise Flexible billing and payment solutions User-friendly producer portal for quoting and servicing Underwriting Notes and Minimum Premiums PLM and ILM underwrite each account with a focus on long-term risk management and financial stability. While minimum premiums will vary based on risk size and location, accounts with meaningful property, auto, or inland marine exposures are typically a good fit. Agents should be prepared to provide detailed loss history, property valuations, and operational overviews when submitting risks. Territories and Availability This program is available on an admitted basis in all U.S. states, including the District of Columbia. PLM and ILM proudly serve a national footprint, offering consistent underwriting, claims, and risk management support across all territories. Why Work With PLM and ILM As the only mutual insurance companies in the U.S. dedicated exclusively to the wood and lumber industries, PLM and ILM offer unmatched field expertise and a commitment to policyholder success. Agents working with PLM and ILM gain a strategic partner who understands their client’s business, provides value-added services, and backs it with responsive service and stable underwriting practices. Explore our website to learn how having PLM and ILM as your strategic partner can benefit you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for lumberyards, millwork operations, wood product manufacturers, and wholesale distributors of building materials. Is this program available in all states?Yes, the Diversified Insurance Coverages program is available in all 50 states and the District of Columbia on an admitted basis. Are there any specific underwriting requirements?Underwriters typically require detailed property information, loss runs, and a clear outline of business operations to assess risk appropriately. What value-added services do PLM and ILM offer?Policyholders benefit from specialized risk management, expert claims handling, dedicated representatives, and easy access to online tools through the producer portal. Who are the carriers behind this program?This program is backed by Pennsylvania Lumbermens Mutual and Indiana Lumbermens Mutual Insurance Companies. Need help placing an account? Connect with a market specialist.