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Tech Update--Insurance Companies

Insurance for your business is a must, not an option. Without proper protection, one accident can spell the end of your profitable operation.

There are a variety of choices when it comes to coverage -- even in a niche industry like logging. As the business owner, you must carefully weigh whether the cost of a certain premium justifies the coverage for your risk level. To help you with your evaluations, we've listed some of the top insurance companies offering choices for the logging industry.

ISG

What Sets Them Apart: Insurance Services Group is a family owned, full service insurance agency. By representing over 50 insurance companies it provide choices that our competitors can't. Through those options, it provides customized insurance solutions with great coverage and huge savings. In addition to serving clients in logging, lumber operations and wood product manufacturers; ISG also provide personal homeowner and auto products, bonds, health, life and disability coverage.
Programs include:

  • General Liability
  • Loggers Broad Form Coverage
  • Commercial Auto Coverage
  • Business Property Coverage
  • Loss of Income Coverage
  • Equipment Coverage
  • Umbrella Options & More.

Current Successful Classes:

  • Loggers, Sawmills, Lumber Yards, Wood Product
  • Manufacturers, Commercial Trucking, Equipment,
  • Contracting, Personal Home, and Auto, among others

Website: www.InsuranceServicesGroup.com

Kibble & Prentice

What Sets Them Apart: Kibble & Prentice have served as the Benefits Broker for The WCLA since 1976.

The company's programs include group medical, dental, vision, life, and disability programs that are designed to fit the individual client's specific needs.

In addition to these programs, Kibble & Prentice have designed a very special package of benefits for the owners and executives of these firms called the "The Owners Only" program. This package offers the owners of the logging companies both long and short term disability that provides 24-hour coverage (on or off the job). In addition, this program gives owners the opportunity to select additional group term life insurance, based on their specific needs. The Owners Only program has proven to be popular as most owners have elected out of worker's compensation, due to the cost.

Website: www.kpcom.com

Mattei Insurance Services, Inc.

What Sets Them Apart: Since 1979, Mattei's Forest Products Business Segment has served the timber industry across the U.S., insuring companies involved in the management, harvesting, processing, and transportation of wood and forest products.

Mattei's underwriting, claims, and loss control personnel have the experience, understanding, and knowledge of logging, hauling, and processing wood products to provide the financial protection today's forest products business needs -- whether in the woods, on the roadway, or in the mill yard.

The company's coverage highlights include property, general liability, inland marine, commercial auto, loggers broad form, property damage, and umbrella.

Website: www.matteicos.com

T.W. Morgan Insurance Service

What Sets Them Apart: T.W. Morgan is a full-service insurance agency that has been serving the Northwest since 1991.

They offer a full line of services (auto, home, life, business insurance, bonds, workers compensation, health, dental, and retirement services) but has a niche market for log trucks, chip trucks, and sand and gravel trucks, as well as contract hauling trucks.

T.W. Morgan represents many of the top insurance companies serving Oregon and Washington. The agency focuses on superior customer service and their motto is: "Service Above The Rest." They will shop the market for you to find the best plan that fits your lifestyle and budget and also guide you through the often confusing application process, explain the terms and conditions of policies and assist you with claims and plan changes.

Website: www.twmorganservices.com

Victor O. Schinnerer & Company

What Sets Them Apart: Victor O. Schinnerer & Company offers a Forest Products program that includes property, general liability (including loggers broad form), commercial auto/truckers, inland marine/contractors equipment, and umbrella coverage for risks involved in the forest industry.

Target risks for this program are operations that involve logging, log road construction, reforestation, sawmills (dimensional lumber), and the hauling of logs and chips. The program has been established for over 30 years and is endorsed by a leading trade association. Coverages include:

General liability:

  • $1M/$2M limits
  • Loggers broad form property damage: fire suppression, damage to timberlands, loading, and unloading

Commercial auto:

  • $1M combined single limit
  • Pollution at policy limits for all vehicles

Property/Inland marine:

  • Contractors equipment
  • Cargo
  • Umbrella
  • Loggers broad form property damage (as needed)
  • Employers liability

Website: www.Schinnerer.com or www.PlanetForestProducts.com

WCLA Insurance Agency, Inc.

What Sets Them Apart: WCLA Insurance Agency was established in 1980 to provide loggers with insurance, and since that time, has developed into a full-service agency providing business and personal insurance to meet everyone's needs.

WCLA represents various A-rated insurance companies, along with its exclusive market, American Forest Casualty Company, RRG. The combination of market strength allows WCLA to deliver the very best products and service to its members and insureds.

WCLA Insurance Agency  currently has special programs for:

  • Commercial Loggers & Logging Equipment
  • Trucking Companies
  • Business Insurance
  • Marine Insurance
  • Homeowners & Automobile Insurance

WCLA's highly qualified staff of insurance professionals are there to help you design a policy or program with the right coverage at an affordable price.

Website: www.loggers.com

 

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