- December 2, 2015 at 1:14 pm #86623
What insurance carriers are horse loggers using? What types of criteria should I be filtering with? What kinds prices should I expect? Should I include it into my farm insurance or start out with a completely different plan?
Thanks for any and all input.December 2, 2015 at 8:29 pm #86624DennisParticipant
I no longer have insurance for logging but I went through Farm Bureau. They had to sub it out to another agency and I am unsure of who it was. I had a really hard time getting insurance, the reason they all gave me is that they wouldn’t insure because I was using a chain saw and not a piece of heavy equipment. I paid 2200 a year for a million dollar liability policy, that was about two years ago.December 3, 2015 at 8:34 am #86625Rick AlgerParticipant
I too no longer have logging insurance. When I did, I used W. J. Cox. for liability. The agent was Chris Armstrong, and the cost averaged around $600 a year. When I had employees, I used Cross Insurance and others at various times. The rate averaged about $45 per $100 of payroll.
About half the jobs I took required a certificate from my insurance people proving I was covered for liability, Workers Comp, and auto.
The local Farm Bureau agent didn’t want my business.December 3, 2015 at 10:38 am #86626
Great leads. My Farm Family Insurance agent found a carrier but the price was a bit high, being that we have a long term relationship I am sure we can bring it down a bit, but I wouldnt mind going with a forestry specific company.December 3, 2015 at 5:41 pm #86628DennisParticipant
Rick Alger brought up a point on the certificates. I worked mainly small jobs for individuals, I never needed proof of insurance but the majority of the log yards in my area required one just to drop logs on there property.December 6, 2015 at 2:57 pm #86699Brad JohnsonParticipant
I carry a 2 million dollar commercial liability policy for my logging work, separate from my farm policy. The underwriter is NE Excess but I get it through a local agency in Barre Vt. About 1/3 of my annual jobs require a COI, as do the workshops where I teach with my team. I do not have any employees and never will so it just covers the landowner while I am there working. My annual cost is about $600, which is not much when you are working in the woods full time.
-BradDecember 10, 2015 at 12:02 pm #86728dominiquer60Moderator
Sam has a rider on his building business insurance for “harvesting materials for timber framing.” It is not exactly logging insurance but covers cutting trees for custom beams and material like cedar posts and mountain laurel for fancy porch railings and such. We use Farm Family.February 12, 2016 at 9:19 pm #87670
where did you end up finding logging coverage? i’m in the same boat right now, high prices from farm family and other carriers. we are in the same region would love to know who u found…
evanFebruary 18, 2016 at 11:37 pm #87749
anyone in NY have any luck with logging insurance? I’m getting crazy high rates everywhere I look, $1500/yr+February 19, 2016 at 11:24 am #87754
Sorry I haven’t gotten back to you yet. I didn’t settle on an insurance carrier yet because the jobs I have right now don’t need it. If you talk more closely with the agents you can probably get your rates sub $800. They put a lot of things in the plans that I don’t need and add up to a big bill. I will dig up the quotes and try to get back to you soon.February 21, 2016 at 1:14 pm #87784
what agencies have you been dealing with?
evanFebruary 22, 2016 at 11:38 am #87801Jim OstergardParticipant
I carried loggers insurance for years here in Maine but do not do so now. I won’t cut near a building or powers lines and so inform my landowners. Here in Maine we have a certificate that exempts us from workers comp which protects the landowner. Costs were in the $600-800 a year. A lot of the “industrial foresters,” want it as part of their contracts. I just don’t work for them. Prefer to discuss it with the landowner.
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