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.Â
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.Â
General Liability Insurance for Logging Contractors
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.
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
| 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 and Logging Equipment Insurance
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.Â
The forestry equipment insurance coverage limit is $700-$1,500 per tool. There are insurance companies willing to give higher payouts.Â
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Logging equipment insurance companies cover the following insurance costs:
- Stolen, vandalized, and lost loggers’ tools and equipment
- Any damage to a rented equipment
| 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!
Business Owner’s Policy (BOP) 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.
The approximate coverage limits of this policy range from $100,000 to $1,000,000.
A BOP can be used to cover the following costs:
- Legal fees caused by lawsuits
- Â Loss of income
- Damages caused to your building and physical assets such as computers, inventories, and furniture due to vandalism, theft, and fire
| 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 |
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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 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:
- First and third-party cleanup costs
- Judicial, legal, or defense expenses
- Â Bodily injuries as defined under this policy
- Property destruction or damage
- Nuisance claims such as noise pollution arising from logging activities
Help others make better decisions
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.
The logging truck insurance coverage limit is approximately $750,000.
Here 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
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Trailer Insurance for Loggers
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:
- 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
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Workers’ Compensation Insurance for Loggers
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.Â
some of the costs covered by the logging workers compensation insurance are:
- 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
Get all the best quotes from leading providers in a click of a button!
Loggers Insurance Cost
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.Â
| 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 |
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Best Companies offering Logging InsuranceÂ
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 monthÂ
Our rating: 10/10
Pros
- 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
Cons
- Couldn’t find any
CoverWalletÂ
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.
Average cost: $49 per monthÂ
Our rating: 10/10
Pros
- Â Its consumer friendly in that a consumer can cancel their policy at anytime
- You can pay for a Loggers insurance policy online
- Â It provides FREE expert insurance consultation services
Cons
- You may be required to call in to complete your online quote process
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The HartfordÂ
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 monthÂ
Our rating: 8/10
Pros
- 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
Cons
- Online quoting is not available all the time
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HiscoxÂ
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 monthÂ
Our rating: 8/10
Pros
- Its website is straightforward
- For customer service convenience, it has a mobile application
- It provides its consumer with an array of discounted insurance policies
Cons
- Its coverage policies aren’t available in Alaska
