Sawmill and primary wood-processing insurance.

Operations to describe

• Log receiving, sawing, planing, drying and treatment
• Kilns, boilers, cogeneration and fuel sources
• Debarking, chipping and byproduct sales
• Mobile equipment, log trucks and rail access
• Maintenance, housekeeping and hot-work controls

Coverage conversations

• Property and Business Income
• Equipment Breakdown
• General and Products Liability
• Commercial Auto, Inland Marine and cargo
• Workers’ Compensation, Pollution and Umbrella

Prepare for the quote

• Engineering or loss-control reports
• Property values and interruption estimates
• Fire protection, water supply and dust controls
• Machinery and mobile-equipment schedules
• Maintenance records and loss runs

Eligibility, exclusions, deductibles, valuation and coverage terms vary by carrier. A complete description helps avoid classification surprises and reduces follow-up.

Severity is driven by concentration

Logs, green lumber, dry lumber, kilns, boilers, chips, bark, fuel and high-value production equipment may be concentrated at one location. A single event can damage property, disable utilities and interrupt customers that depend on scheduled output.

Engineering information strengthens the submission

Provide site plans, construction, separation, water supply, sprinkler or deluge design, detection, dust and chip handling, kiln safeguards, boiler inspections, hot-work permits and preventive-maintenance programs. Address recommendations directly and document completion.

Mobile equipment belongs in the account review

Loaders, log stackers, forklifts, cranes, trailers and contractor equipment may require different property, inland marine, auto or liability treatment depending on ownership and use.

Read the fire and dust guide and business-income guide.