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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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