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...it this program
A family-owned logging contractor operating three stake-bed...
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Forestry & Logging
Arrowhead General Insurance Agency, ...unts are a good fit for this program?Logging contractors, sawmills, woodyards,...
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...Inland Marine program tailored to logging, construction and crane/rigging oper...ted equipment protection are ideal — logging firms, land-clearing contractors,...
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For logging and timber operations, Workers Compe... program is designed for high-hazard logging operations, including companies w...
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...try. Classes of business include logging/lumbering operations, and equipment,...
Eligible Classes of Business:
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... Roofing
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...n the unique exposures of lumber, logging, and wood processing operations—so y... wood-products sector, including:
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https://completemarkets.com/company/colonialgeneral/unusual-construction-insurance/
Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program to help agents and brokers place residential accounts that fall outside standard construction parameters. If you work with clients who own, design, or convert unique homes, this program provides access to carriers and underwriters experienced in evaluating and insuring those distinctive risks.
Ideal Accounts and Appetite
This program focuses on residential structures built with non-standard methods or adapted from non-residential uses. Typical eligible property types include:
Monolithic concrete dome homes
Straw bale residences
Log homes constructed from hand-hewn or milled logs
Converted buildings such as former schools, churches, or other institutional structures now used as homes
Mountain retreats and remote residences, including properties with water features like streams
If your client’s property does not fit standard homeowners or dwelling forms, Colonial General’s Unusual Construction program is designed to help you find an appropriate market.
Coverage Highlights and Advantages
Colonial General places unusual construction risks with a network of admitted and non-admitted carriers, allowing flexibility to match coverage to the property’s construction, location, and exposures. Typical available coverages include property, premises liability, and endorsements tailored to the unique hazards presented by non-traditional homes.
Markets vary by state and risk characteristics, so Colonial General evaluates each submission to identify admitted options where available and E&S solutions when needed.
Underwriting Notes
Underwriting is handled on a case-by-case basis. Underwriters will focus on structural integrity, construction details, maintenance history, occupancy/use, and prior insurance or loss history. Detailed submissions speed placement—include construction photos, plans or sketches, description of materials and methods, and any recent inspection or engineer reports when available.
Territories and Availability
This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and carrier relationships across these territories.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines broad market access with underwriters experienced in non-standard residential risks. Their team is set up to help you navigate placements for unique or converted properties and provides responsive support through the submission and binding process.
Example scenarios you might place through this program: a client converting a historic church in California into a single-family residence, or a homeowner building a straw bale retreat in New Mexico. In both cases, Colonial General can help identify the best admitted or non-admitted market and required endorsements.
Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as residences.
Is this program available in all states?No. Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and E&S markets depending on the property, construction type, and location.
Can I submit a property located near a stream or with unique environmental features?Yes. Properties with environmental features such as on-site streams or steep terrain may be eligible, but underwriting will review those exposures closely and may request additional information or inspections.
What submission information is required?Provide detailed property information, construction details, intended use/occupancy, current photos, and prior insurance or loss history to help expedite underwriting and placement.
Need help placing an account? Connect with a market specialist.
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...t intended for risks that involve logging, lumbering, or timber harvesting exp...nd municipal tree crews. It excludes logging and timber-harvesting operations....
https://completemarkets.com/company/ContinentalUnderwritersInc/forest-products-insurance/
Continental Underwriters, Inc. is a specialized Managing General Agency (MGA) and wholesaler dedicated exclusively to the forest products industry. Our Forest Products Insurance program is built specifically for businesses involved in the manufacturing, distribution, and retailing of lumber and related building materials. We work directly with agents and brokers across North America to provide tailored insurance solutions for a wide range of forest product operations.
Ideal Accounts and Appetite
This program is ideal for businesses involved in:
Sawmills and veneer mills
Pallet mills and plywood plants
Wood treating and preserving operations
Woodworking and component manufacturers
Producers and distributors of timbers, cants, railroad ties, panel products, and more
Whether your client operates a single-location mill or manages multiple facilities across state lines, we can help you place coverage tailored to their specific exposures.
Coverage Highlights and Advantages
Through our network of carrier partners, we deliver comprehensive insurance options designed to meet the unique needs of the forest products sector. Available lines of coverage include:
Property
Inland Marine
General Liability
Commercial Auto
Workers Compensation and Employers Liability
Commercial Umbrella
Employment Practices Liability
Equipment Breakdown Coverage
Crime Coverage
We understand the property, liability, and operational risks that come with managing forest product businesses. Our products are designed to address high fire hazard exposures, heavy machinery use, transport risks, and workforce safety — all within one cohesive insurance package.
Underwriting Notes and Minimum Premiums
Minimum premiums vary and are based on account size, operations, and coverage needs. We work closely with agents to provide competitive and customized solutions. Submissions should include detailed operational information, loss history, and current coverage terms for fastest turnaround.
Territories and Availability
Our Forest Products Insurance program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, WA, and NC. We offer coverage in both admitted and non-admitted markets, depending on state and risk profile. Reach out to confirm availability in your client’s location.
Why Work With Continental Underwriters, Inc.?
With a sole focus on the forest products industry, Continental Underwriters brings unmatched industry insight and underwriting depth to this niche. We understand the risks, language, and operations of your clients — allowing us to provide smarter, faster, and more relevant solutions. Our strong relationships with multiple carriers give us the flexibility to find the right market fit for nearly any forest product account.
If you have a client who runs a regional sawmill operation with high-value equipment and seasonal workforce needs, or a multi-state lumber distributor with complex logistics exposures, we can help you place the right coverage efficiently and competitively.
Frequently Asked Questions
What types of accounts are a good fit for this program?We specialize in insuring sawmills, pallet mills, plywood plants, veneer mills, wood preservation operations, and other wood product manufacturers and distributors.
Is this program available in all states?The program is available in most U.S. states. Please check with us for specific state eligibility and admitted status in your client’s location.
What coverages are included in the Forest Products Insurance program?Available coverages include Property, General Liability, Inland Marine, Commercial Auto, Workers Compensation, Umbrella, EPLI, Equipment Breakdown, and Crime Coverage.
Are there minimum premium requirements?Minimum premiums vary based on risk size and coverage needs. Contact us with your client’s profile to get a customized quote.
What makes Continental Underwriters unique in this space?We are exclusively focused on the forest products industry, offering deep expertise, tailored underwriting, and access to multiple carriers for niche risks.
Need help placing an account? Connect with a market specialist.