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I bet you if you google the most dangerous occupations in the world, logging will appear in the top 10 list. According to data collected from a reputable source at least 66 loggers sustain fatal injuries annually. Out of the total fatalities, at least 25% are caused by falling logs, commercial trucks, and logging tools and equipment.
Loggers face the same perils that arborists face. It’s not only a reasonable but also a financially enhancing move that a logging company insure itself from the unpredictable and imminent risks involved in logging. Let’s discuss how this insurance can help, how much premiums cost, and the best companies.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
A logger general liability insurance is a coverage that protects your logging company from any claims that might cause third-party bodily injury and property damage during your company’s operations. This policy can also be referred to as a logger business liability insurance.
You can acquire this must-have logger policy from a private insurance company or agency, a government-run insurance agency, or a monopolist state fund organization. This lumberjack insurance is best for a logging company that works with temporary employees. Logging companies that use social media handles to advertise their services should also consider using this policy.
The coverage limits typically range from $1,000,000 to $2,000,000.
Here are some of the situations where general liability insurance can help:
A log from the truck accidentally offloads and crushes a car behind it
A tree falls on an independent contractor during a tree-cutting operation
The logging truck capsizes and its load rolls on a house near the road
Below is a list of some of the costs that a logger general liability insurance cover:
Medical expenses of your company’s employees that have been predisposed to work-related injuries and ailments
Defense expenses such as court costs
Property damage costs
Third-party bodily injuries and property damages caused by your logging company, employees, or any other party working on your behalf
Below is a list of the things this essential policy doesn’t provide cover for:
Vandalism and theft of your company’s property
Any auto-related accidents that may be caused by your logging company or your staff/employees
Your employees’ bodily injuries and work-related sicknesses
Mistakes and errors caused by you or your employees’ professional services
| NEXT (Best) | Hiscox | |
|---|---|---|
| Aggregate limit | $5,000/$10,000 | $15,000/$25,000 |
| Offered as an endorsement to general liability insurance? | Yes | No |
| Covers hired and borrowed equipment? | Yes | Yes |
| Miscellaneous equipment also covered? | Yes | Yes |
| Deductible | $500 | $0 |
Logging equipment insurance policy works to protect loggers’ tools and equipment that are $10,000 from theft and damage. This invaluable loggers’ policy also covers loggers insurance cost associated with replacing lost tools and equipment. Please note that this policy doesn’t act or serve as an extended warranty
The forestry equipment insurance coverage limit is $700-$1,500 per tool. There are insurance companies willing to give higher payouts.
If the tools and equipment are more than 5 years old
If the tools and equipment have been damaged by general wear and tear
If the tools and equipment being insured against are not moveable
In the event, that its tools and equipment are stolen, vandalized, or get lost
In the event rented equipment gets damaged
Logging equipment insurance companies cover the following insurance costs:
Stolen, vandalized, and lost loggers’ tools and equipment
Any damage to a rented equipment
| CoverWallet | NEXT (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $110,000 | $15,000 | $35,000 |
| Contents coverage limit (minimum) | $50,000 | $15,000 | $15,000 | $35,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | Included | Excluded |
| Money and securities | Excluded | $2,500 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included | Excluded |
This is a type of coverage that protects loggers’ rented or owned buildings and physical assets such as tools and equipment, furniture, and landscaping features such as fences from any losses that might be caused by vandalism, fire, and natural calamities such as hurricanes and lightning.
It’s approximately $300,000 to $1,000,000.
Below are some of the circumstances that may necessitate one to use commercial property insurance for loggers:
In the event, your property was destroyed by fire and natural calamities as defined under this policy
In the event, your company’s physical assets such as computers and other office equipment were destroyed or lost due to vandalism and theft
In case your company incurs income loss due to disruption of your day-to-day activities
Below are some of the costs that logging insurance companies may compensate you for if you have this policy:
Loss of physical property due to theft, vandalism, and fire
Loss of income due to disruption of your company’s revenue-generating activities
Damage of property due to natural calamities such as floods
| CoverWallet | NEXT (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000 | $25,000 | $35,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
This is insurance coverage that merges the general liability and commercial property insurance policies. Under this policy, a logger’s buildings (whether rented or owned) and the physical assets found in them are protected against any liability claims that may arise in the event of losses. It also covers third-party items which are under the care of the policyholder.
The approximate coverage limits of this policy range from $100,000 to $1,000,000.
Here are some of the situations where a BOP can help:
When your logging company is served with a lawsuit by a third-party
When a logging company experiences financial constraints due to the interruption of business activities
A BOP can be used to cover the following costs:
Legal fees caused by lawsuits
Loss of income
Financial responsibilities such as paying rent and your employees in the event of disruption of business
Damages caused to your building and physical assets such as computers, inventories, and furniture due to vandalism, theft, and fire
Get all the best quotes from leading providers in a click of a button!
The ELI policy was created to fill the insurance void that was created by the property insurance and pollution exclusions in liability policies. This insurance policy is of immense importance to loggers who work or deal with hazardous materials. Its primary function is to protect them from claims arising from liabilities and property losses caused by sudden or gradual unintentional pollution-related accidents on the sites that have previously been inspected and confirmed to be unpolluted or uncontaminated.
This policy’s coverage limits range between $2,500 to $500,000.
Here are some situations where environmental liability insurance can help:
The logging truck falls on a cliff. It’s engine is busted and leaks oil and gas into the nearby stream
Debris from a tree cutting operation was left unattended and damaged wildlife as well as the surrounding vegetation
Below are some of the costs that the environmental liability insurance for loggers covers:
First and third-party cleanup costs
Judicial, legal, or defense expenses
Bodily injuries as defined under this policy
Property destruction or damage
Nuisance claims such as noise pollution arising from logging activities
This is a uniquely tailored commercial truck insurance policy designed to protect logging trucks from any unprecedented risks that may cause them financial losses.
The logging truck insurance coverage limit is approximately $750,000.
Here are some of the situations where logging truck insurance can help:
If an attached machinery or equipment is lost or damaged
If the logger’s truck is damaged by fire, theft, or natural calamities
If the logging company faces financial losses due to the cargo being transported getting lost or damaged
Below are some of the loggers insurance costs that the logging truck insurance covers:
Bodily injuries dealt to third parties due to vehicular accident
Damages on your truck caused by fire, theft, natural disasters, and vandalism
Damage on your truck due to collisions
Losses that occur due to damage to any machinery or equipment attached to the insured truck
This is an insurance coverage that protects a logging company trailer that is used to transport goods and other commodities owned by the company itself. The main coverages under this insurance policy are Collision, liability, content, and comprehensive coverage.
The coverage limit for this insurance policy ranges around $1,500.
Here are some of the situations where trailer insurance can help:
In the event, the company’s trailer gets damaged during a collision
If the contents or goods carried in the insured trailer get damaged, lost, or stolen
In case of third-party bodily injuries and property damage caused by the company’s trailer
In case the trailer gets damaged due to vandalism or as a result of adverse weather conditions such as floods
Below is a list of some of the costs covered by the trailer insurance for loggers cover:
Third-party bodily injuries and property damage
Damages caused upon collision
Damages on the trailer itself which may be a result of vandalism, fire, and natural calamities such as adverse weather conditions
Lost, stolen, or damaged goods that had been carried by the insured trailer
This is insurance coverage taken to prevent a logging company from incurring any costs that might arise as a result of damaging a a non-owned trailer that were borrowed or hired through a trailer interchange insurance policy.
The coverage limit under this policy is approximately $20,000 to $30,000.
The following are some of the costs of damages the trailer interchange insurance covers:
Unloading cargo
Loading cargo
Any accidental damage
Damages caused by fire and floods
Damages caused by theft and vandalism
Workers compensation insurance grants protection if an employee sustains a work-related injury or disease. This policy will provide the money which the employee is entitled to under workers comp laws. The failure to get workers comp is punishable by law.
Below are some of the costs covered by the logging workers compensation insurance:
Work-related injuries such as slips and falls, burns, repetitive strain injuries, and injuries caused by the use of unmaintained or faulty logging equipment
Medical expenses of an employee
Lost wages as a result of a work-related illness or injury absenteeism
Job rehabilitation costs
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $78 | $936 | $0-$500 |
| Environmental liability insurance | $81 | $972 | $500-$1,000 |
| Commercial property insurance | $105 | $1,260 | $1,000-$2,000 |
| Business owner’s policy | $123 | $1,476 | $1,500 |
| Tools and equipment insurance | $95 | $1,140 | $500-$1,000 |
| Workers compensation insurance | $100 | $1,200 | $2,000-$5,000 |
| Truck insurance | $95 | $1,140 | $500-$1,000 |
| Trailer interchange insurance | $87 | $1,044 | $1,000-$2,500 |
The average loggers insurance cost is $78 per month or $936 per year for a $1 million general liability coverage. Your actual rates may vary based on claims history, business history, number of employees, and other factors.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $43 | $516 | Best overall; Fastest general liability insurance for loggers |
| CoverWallet | $49 | $588 | Logger insurance online quotes comparison |
| The Hartford | $52 | $624 | Logging companies that work in high-risk areas |
| Tivly | $56 | $672 | Comparing logger insurance quotes over the phone |
| Hiscox | $59 | $708 | Logging companies of all sizes looking for comprehensive coverage that’s tailored to meet their logging needs |
Get all the best quotes from leading providers in a click of a button!
Below is a list of some of the best logger insurance companies. Please note that this list has been compiled after a critical analysis of customer experience and reviews and from data collected from reputable insurance companies’ critiques and websites. Read to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for loggers
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT doesn’t have a specialized insurance coverage for loggers. However, this insurance company can get you covered through its tree service insurance. This offers a general liability policy, commercial property policy, tools and equipment coverage, and workers compensation. Online quotes are available so you can view rates and coverage limits immediately.
Best for: Best overall; Fastest general liability insurance for loggers
Average cost: $43 per month
Our rating: 10/10
Its consumer friendly in that a consumer can cancel their policy at anytime
Its straightforward website serves as one of the best online quotation comparison platforms
You can pay for a Loggers insurance policy online
It provides FREE expert insurance consultation services
You may be required to call in to complete your online quote process
Coverwallet is an online insurance broker that provides interested consumers with fast and free online quotes from its multiple partnered insurance companies. This financially reliable and time-saving insurance agency offers its consumers a free trial period on its programs.
Best for: Logger insurance online quotes comparison
Average cost: $49 per month
Our rating: 10/10
Its customer service is above average
It provides its coverage to all the 50 states
It provides discount incentives for a number of its policies
It has fully functional mobile applications that can be used for claims reporting
Online quoting is not available all the time
Established in 1810, The Hartford has over the years dominated the insurance company due to its numerous, customizable, easy-to-purchase, and affordable coverage operations. This Superior insurance provider all over the 50 states of America has been rated by A.M Best as an A+ insurance company.
Best for: Logging companies that work in high-risk areas
Average cost: $52 per month
Our rating: 8/10
Speedy and straightforward quote process
Offers a wide range of insurance covers for loggers
Easily aids with matching a policyholder with his/her business insurance needs
It’s yet to develop a mobile app
Previously this private insurance agency was known as CommercialInsurance.net. This technologically advanced insurance agent is known for its proficiency when it comes to successfully matching insurance companies with both small- and large-scale businesses that are in need of easy-to-claim insurance policies. Call now to compare logger insurance quotes over the phone.
Best for: Comparing logger insurance quotes over the phone
Average cost: $56 per month
Our rating: 8/10
Its website is straightforward
For customer service convenience, it has a mobile application
It provides its consumer with an array of discounted insurance policies
Its coverage policies aren’t available in Alaska
Hiscox is an above-average insurance company given that it won the Feefo Platinum Service award and the consumer intelligence award. It has also been rated consecutively for the last 14 years as a 5 stars insurance company by Defaqto.
Best for: Logging companies of all sizes looking for comprehensive coverage that’s tailored to meet their logging needs
Average cost: $59 per month
Our rating: 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
