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

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

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.

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.

...ng Equipment Locksmiths Lumberyards Manufacturers Metal Goods ...

Continental Underwriters, Inc. offers a specialized Sawmill Insurance program tailored to sawmills and wood products manufacturers. As a Managing General Underwriter dedicated to the forest products industry, Continental Underwriters combines underwriting expertise with practical loss control to address the unique exposures these operations face — from fire and drying-kiln hazards to equipment breakdown, employee safety, and transportation risks. Ideal Accounts and Appetite This program targets a broad range of forest-products operations, including: Sawmills and lumber manufacturers Pallet manufacturers Veneer and plywood producers Wood component fabricators Wood treating and drying operations You might place a mid-sized sawmill with a drying kiln, planing mill, and on-site processing equipment, or a wood products supplier that operates a regional fleet transporting finished goods. The program is built to handle these multi-exposure, operationally complex accounts. Coverage Highlights and Advantages Continental Underwriters’ Sawmill Insurance program provides comprehensive coverage options designed for lumber and wood-products risks: Property – Buildings, production equipment, stock and inventory protection against fire, windstorm, vandalism, and other perils. Equipment Breakdown – Coverage for mechanical, electrical, and pressure systems critical to production and drying operations. Inland Marine – Protection for mobile equipment, contractor’s equipment, and goods in transit. Stock Throughput – Streamlined coverage for raw materials through finished goods during processing and shipment. General Liability – Defense and settlement for third-party bodily injury and property damage claims arising from operations. Commercial Auto – Liability and physical damage for company fleets and transportation of wood products. Workers’ Compensation – Employee injury coverage and compliance support for high-hazard operations. Umbrella – Excess liability capacity to protect against large loss scenarios. Beyond policy forms, Continental Underwriters partners with agents to deliver tailored risk assessments, workplace safety guidance, and loss-control recommendations intended to reduce frequency and severity of claims. Underwriting Notes This is a non-admitted program, which allows flexible terms and customized solutions for complex accounts. Underwriting emphasizes strong safety and loss-prevention practices. Typical submission requirements include detailed property values, equipment schedules, loss runs, and written safety protocols. While no formal minimum premium is stated, accounts should be of a scale that warrants specialized underwriting. Territories and Availability The Sawmill Insurance program is available nationwide in all 50 states, including Washington, DC. Continental Underwriters can accommodate regional variations in exposure — whether a Pacific Northwest sawmill with log yard exposures or a Southeastern wood treating operation with rail access. Why Work With Continental Underwriters As an MGU focused exclusively on the forest products sector, Continental Underwriters offers agents direct access to underwriting specialists who understand mill operations, kilns, treating processes, and transportation needs. The company emphasizes responsive underwriting, practical loss control, and tailored policies that match the operational realities of lumber and wood products businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits sawmills, pallet and veneer producers, wood component fabricators, and related forest products operations with meaningful property, equipment, and liability exposures. Is this program available in all states?Yes. The Sawmill Insurance program is available in all 50 states and Washington, DC. What documentation is needed for underwriting?Submissions should include current property values, equipment schedules, five years of loss runs (if available), and descriptions of safety programs and loss-control measures. Can this program cover transportation exposures?Yes. Commercial Auto and Inland Marine options are available to protect company fleets and goods in transit. Is this program admitted or non-admitted?This is a non-admitted program, which allows more flexible coverage forms and underwriting tailored to complex accounts. Need help placing an account? Connect with a market specialist.