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Logger Insurance: Cost & Quotes From $70/month

Table of contents
1. General Liability Insurance for Loggers1.1. What is Logger General Liability Insurance?1.2. What are the Coverage Limits Under Logger General Liability Insurance?1.3. Under Which Situations Can a Logging Company Use General Liability Insurance?1.4. What Costs Does the Logger General Liability Insurance Cover?1.5. When Does the Logger General Liability Insurance Not Cover?2. Tools and Equipment Insurance for Loggers2.1. What is Tools and Equipment Insurance for Loggers?2.2. What Are the Coverage Limits Under Tools and Equipment Insurance for Loggers?2.3. What Can Cause the Tools and Equipment Insurance for Loggers to be Rendered Void?2.4. Under Which Situations Can a Logging Company Use the Tools and Equipment Insurance for Loggers?2.5. What Costs Does the Tools and Equipment Insurance for Loggers Cover?3. Commercial Property Insurance for Loggers3.1. What is the Commercial Property Insurance for Loggers?3.2. What Are the Coverage Limits Under Commercial Property Insurance for Loggers?3.3. Under Which Situations Can One Use the Commercial Property Insurance for Loggers?3.4. What Costs Does the Commercial Property Insurance for Loggers Cover?4. Business Owner’s Policy (BOP) for Loggers4.1. What is Business Owner’s Policy for Loggers4.2. What Are the Coverage Limits Under Business Owner’s Policy for Loggers?4.3. Under Which Circumstances Can One Use the Business Owner’s Policy for Loggers?4.4. What Costs Does the Business Owner’s Policy for Loggers Cover?5. Environmental Liability Insurance for Loggers5.1. What is Environmental Liability Insurance for Loggers?5.2. What are the Coverage Limits Under Environmental Liability Insurance for Loggers?5.3. Under Which Situations Can a Logging Company Use the Environmental Liability Insurance?5.4. What Costs Does the Environmental Liability Insurance (ELI) for Loggers Cover?6. Logging Truck Insurance6.1. What is Logging Truck Insurance?6.2. What are the Coverage Limits Under Logging Truck Insurance?6.3. Under Which Situations Can One Use the Logging Truck Insurance6.4. What Costs Does the Logging Truck Insurance Cover?7. Trailer Insurance for Loggers7.1. What is Trailer Insurance for Loggers?7.2. What Are the Coverage Limits Under Trailer Insurance for Loggers?7.3. Under Which Circumstances Can One Use the Trailer Insurance for Loggers?7.4. What Costs Does the Logging Trailer Insurance for Loggers Cover?8. Trailer Interchange Insurance for Loggers8.1. What is the Trailer Interchange Insurance for Loggers?8.2. What Are the Coverage Limits Under Trailer Interchange Insurance for Loggers?8.3. What Costs Does the Trailer Interchange Insurance for Loggers Cover?9. Workers Compensation Insurance for Loggers9.1. What is Workers' Compensation Insurance for Loggers9.2. What Costs Does the Workers Compensation Insurance for Loggers Cover?10. Loggers Insurance Cost11. Best Logging Insurance Companies11.1. NEXT Logger Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet Logger Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Logger Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Logger Insurance 11.4.1. Pros11.4.2. Cons11.5. Hiscox Logger Insurance 11.5.1. Pros11.5.2. Cons

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. 

General Liability Insurance for Loggers


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedExcludedNo
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedCan be included
Equipment breakdown floater included?No YesYesExcludedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


What is Logger General Liability Insurance?

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.


What are the Coverage Limits Under Logger General Liability Insurance?

The coverage limits typically range from $1,000,000 to $2,000,000.


Under Which Situations Can a Logging Company Use General Liability Insurance?

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 


What Costs Does the Logger General Liability Insurance Cover?

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


When Does the Logger General Liability Insurance Not Cover?

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


Tools and Equipment Insurance for Loggers


NEXT (Best)Hiscox
Aggregate limit$5,000/$10,000$15,000/$25,000
Offered as an endorsement to general liability insurance?YesNo
Covers hired and borrowed equipment?YesYes
Miscellaneous equipment also covered?YesYes
Deductible$500$0

What is Tools and Equipment Insurance for Loggers?

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


What Are the Coverage Limits Under Tools and Equipment Insurance for Loggers?

The forestry equipment insurance coverage limit is $700-$1,500 per tool. There are insurance companies willing to give higher payouts. 


What Can Cause the Tools and Equipment Insurance for Loggers to be Rendered Void?

  • 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


Under Which Situations Can a Logging Company Use the Tools and Equipment Insurance for Loggers?

  • In the event, that its tools and equipment are stolen, vandalized, or get lost

  •  In the event rented equipment gets damaged


What Costs Does the Tools and Equipment Insurance for Loggers Cover?

Logging equipment insurance companies cover the following insurance costs:

  • Stolen, vandalized, and lost loggers' tools and equipment

  • Any damage to a rented equipment


Commercial Property Insurance for Loggers


CoverWalletNEXT (Best)HiscoxThe 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 signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcludedIncludedExcluded
Money and securitiesExcluded$2,500IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcludedExcludedExcluded
Employee dishonesty floaterExcluded$5,000IncludedExcluded


What is the Commercial Property Insurance for Loggers?

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.


What Are the Coverage Limits Under Commercial Property Insurance for Loggers?

It’s approximately $300,000 to $1,000,000.


Under Which Situations Can One Use the Commercial Property Insurance for Loggers?

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


What Costs Does the Commercial Property Insurance for Loggers Cover?

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


Business Owner’s Policy (BOP) for Loggers


CoverWalletNEXT (Best)HiscoxThe 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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


What is Business Owner’s Policy for Loggers

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.


What Are the Coverage Limits Under Business Owner’s Policy for Loggers?

The approximate coverage limits of this policy range from $100,000 to $1,000,000.


Under Which Circumstances Can One Use the Business Owner’s Policy for Loggers?

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


What Costs Does the Business Owner’s Policy for Loggers Cover?

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


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Environmental Liability Insurance for Loggers

What is Environmental Liability Insurance for Loggers?

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.


What are the Coverage Limits Under Environmental Liability Insurance for Loggers?

This policy's coverage limits range between $2,500 to $500,000.


Under Which Situations Can a Logging Company Use the Environmental Liability Insurance?

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


What Costs Does the Environmental Liability Insurance (ELI) for Loggers Cover?

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


Logging Truck Insurance


What is Logging Truck Insurance?

This is a uniquely tailored commercial truck insurance policy designed to protect logging trucks from any unprecedented risks that may cause them financial losses.


What are the Coverage Limits Under Logging Truck Insurance?

The logging truck insurance coverage limit is approximately $750,000.


Under Which Situations Can One Use the Logging Truck Insurance

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


What Costs Does the Logging Truck Insurance Cover?

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