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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 risks that arborists face.Thats where loggers insurance comes in. Let’s discuss how this insurance can help, how much premiums cost, and the best companies offering it.
Forestry contractors insurance is a coverage that protects your forestry operation 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.
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:
Below is a list of some of the costs that a logger general liability insurance cover:
| 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 |
| 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 |
Forestry insurance policy works to protect forestry 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.
The forestry equipment insurance coverage limit is $700-$1,500 per tool. There are insurance companies willing to give higher payouts.
Logging equipment insurance companies cover the following insurance costs:
| 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 |
Get all the best quotes from leading providers in a click of a button!
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. Forestry insurance for business owners also provides similar protections for forestry operations.
A BOP can be used to cover the following costs:
| 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 |
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 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. Below are some of the costs that the environmental liability insurance for loggers covers:
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 loggers insurance costs that the logging truck insurance covers:
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 is a list of some of the costs covered by the trailer insurance for loggers cover:
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.
some of the costs covered by the logging workers compensation insurance are:
Get all the best quotes from leading providers in a click of a button!
The average loggers insurance cost is $78 per month or $936 per year for a $1 million general liability coverage. Logging and lumbering insurance costs vary based on the scale of your business and coverage required. In addition, Logging liability insurance rates depend on the types of operations and risks involved in the forestry industry.
| 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 |
Best Companies offering Logging Insurance
NEXT
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.
Average cost: $43 per month
Coverwallet specializes in forestry business insurance, ensuring businesses can get the right coverage for their unique needs. This financially reliable and time-saving insurance agency offers its consumers a free trial period on its programs.
Average cost: $49 per month
The Hartford has over the years dominated the insurance company due to its numerous, customizable, easy-to-purchase, and affordable coverage operations. It has been rated by A.M Best as an A+ insurance company.
Average cost: $52 per month
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.
Average cost: $59 per month
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
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
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
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!
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
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.
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.
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
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
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
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.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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