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...od Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers...

...od Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers...

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.

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Logging is consistently ranked as one of the most dangerous occupations in the United States. Between hazardous equipment, uneven terrain, and physically demanding tasks, loggers face high exposure to injury and property damage risks. Continental Underwriters, Inc. understands the unique challenges of the logging industry and offers specialized insurance solutions that help your clients operate safely and confidently. Overview of the Program From Continental Underwriters As a Managing General Agency (MGA) and wholesale insurance provider, Continental Underwriters, Inc. offers a comprehensive Logging Insurance program designed specifically for contractors in the forestry and timber industries. This program supports both manual and mechanized operations, and includes coverage options for logging, hauling, harvesting, and storage of timber and lumber-related products. Ideal Accounts and Appetite This program is ideal for: Logging contractors using manual or mechanized cutting equipment Timber harvesting and hauling operations Companies involved in storing or transporting timber and lumber You might have a client running a small mechanized logging operation with multiple crews in the Pacific Northwest or a timber hauler in the Southeast—these accounts are a great fit for this program. Coverage Highlights and Advantages Continental Underwriters offers a broad range of coverages tailored to the logging industry. Key features include: Logger’s Broad Form General Liability: Includes protection for accidental overcut/timber trespass, property damage to others, and damage to autos and railroad cars not owned by the insured. Equipment Coverage: Covers logging machinery and equipment, including mobile and stationary units. Transportation Coverage: Protects timber and lumber products during transit. Workers Compensation: Helps protect employees against injuries and satisfies statutory requirements. In addition to coverage, the team at Continental works with agents and insureds to promote safe work practices and risk management strategies tailored to the logging environment. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and complexity of the risk. The underwriting team evaluates exposures such as type of logging operation, claims history, safety protocols, and geographic region. Submissions with detailed safety programs and prior insurance history are generally more favorable. Territories and Availability Logging Insurance from Continental Underwriters is available in most states, including high-activity forestry regions such as California, Oregon, Washington, Georgia, and North Carolina. The program is accessible in nearly all U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With Continental Underwriters, Inc.? Continental Underwriters, Inc. brings deep niche expertise to the forestry and timber insurance marketplace. As an MGA with access to multiple carriers, they can provide competitive pricing and customized coverage solutions. Their underwriting team understands the operational and liability risks your logging clients face and works closely with you to place the right coverage for each account. Frequently Asked Questions What types of accounts are a good fit for this Logging Insurance program?Ideal accounts include manual and mechanized logging contractors, timber haulers, and operations involved in harvesting and storing lumber or timber-related products. What coverages are available through this program?The program offers Logger’s Broad Form General Liability, Equipment Coverage, Transportation Coverage, and Workers Compensation. Is this program available nationwide?Yes, the program is available in most U.S. states, including high-volume forestry regions such as the Pacific Northwest and the Southeast. What influences the minimum premium for a logging account?Minimum premiums vary by risk factors such as operation type, safety history, location, and size of the business. Why should I work with Continental Underwriters on logging accounts?Continental Underwriters specializes in forestry risks and provides tailored solutions, underwriting expertise, and access to multiple markets to help agents place complex logging business. Need help placing an account? Connect with a market specialist.