General Liability Insurance

General Liability for Timber Operators and other types of businesses associated in the timber and logging industry is the type of insurance we provide.

General Liability quotes are available to you here by the Independent Insurance Broker:

Athena Insurance and Financial Services
205 Court St
Jackson CA 95642

Phone (209) 223-1870  | Fax (209) 223-3227
Available in all States except Hawaii
Broker CA 05882285  | National Producer 2709340


Types of Operations and General Liability

We can only provide quotes after we have a complete submission of information.  Call it a fact finding mission if you will.

Some of the Insurance companies we bring to the table specialize in certain aspects and accept certain “operations” while others do not.  Here is an example; a Wildfire Fighting Business with experience, certification training that contract to fight active wildfires would be acceptable to very few insurance carriers while a timber operator felling trees would have more insurance carriers.

There are many times where a Timber Operator wants to purchase General Liability and be able to contract to fight wildfires.  Most Insurance companies will not entertain such operations and decline to quote.

Add to the confusion, Endorsements, Limits and Additional Insureds

Endorsements

Where to begin on this one.  First, lets start with a disclaimer. The information provided on this site are provided “in general terms” and each and every quote and operation is unique. Thus no statement(s) provided for information purposes are to be construct as gospel.  Terms, conditions, provisions, endorsement and exclusion within your quote can an will vary from business to business and state to state.

Here are common endorsements that will have a bearing on price in many contracting situations with various entities:

  1. Waiver of Subrogation
  2. Primary and non-contributory wording
  3. 30 written notice of expiration

Liability Limits

Various limits can be written from $300,000 to $10,000,000 if eligible. Smaller accounts can be quoted within a few days while larger accounts can take up to 60 days.  As we mention to all loggers and contractors, “utilize insurance best practices” at all times.

Best practices are to never release a quote until the indemnity requirement/insurance requirements are reviewed by an experienced and licensed agent or broker. Feel free to contact us for a phone conversation on this if you decide to want us to quote your insurance.

Additional Insureds

“One type policy does not fit all needs”

Just because you purchase a policy “based upon your original application” does not mean  you can add any operation and any Additional Insured.

For those new to the insurance world, Additional Insured are those people that as and require to be “Added” to your policy and be “named as an insured” thus the term Additional Insured.  So for example, you start off with your application stating you are not going to be doing work as a prime or sub-contractor for “any” Utility company and the insurance carriers released a quote and you request to bind and complete the rest of the requirements… then one day, a buddy asks  you if you would like to do some contractor work with him/her. (now if you are performing ‘Best Practices’ you would ask for the indemnity/insurance requirements in writing. Then you would send the insurance requirements to your experience agent for review)

In this hypothetical scenario, your buddy’s contract states that Utility Company XYZ is to be named as an Additional Insured.  You CANNOT DO this work with the insurance you have currently.  Utility companies are “excluded” from being named as Additional Insured.  Why? Because the insurance carrier does not want to have insureds doing work with Utility Companies. That is why they asked the question on the original application and refer to the exclusion in the quote and include the exclusion in the policy.

What can you do? Start all over and complete a new application.  Just so that you know, the limited number of carriers that will name a Utility Company as an additional insured is small and the price is much more.

Feel free to contact us or to begin a quote questionnaire by clicking here.