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Logging and Forestry Insurance

Protection that grows with your business.

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Spotlight on: Forestry, Wood Products and Logging Insurance

Cultivating coverage. Preserving prosperity.

Forestry is a thriving industry that helps grow economies. But like any sector, it faces its own unique challenges and risks. From equipment malfunctions to accidents on the job site, the unpredictable nature of forestry and logging operations makes having the right insurance coverage crucial.

Forestry insurance is designed to offer protection from the various risks and liabilities in your industry, helping your logging business to continue operating without the fear of financial setbacks.

Higginbotham’s tailored approach to lumber insurance means you get coverage that’s specific to the risks your business faces. But that’s not all you get – we work year-round to mitigate risks, manage claims and control losses so you can focus on growing your business.


What is logging insurance?

Logging insurance is uniquely designed to cover a range of risks and exposures within the forestry and logging industry. While the amount and types of coverage will vary depending on your lumber company’s specific needs and priorities, your insurance broker or agent can advise you on how to maximize your investment.

With the right logging insurance coverage, you can have greater peace of mind knowing that your logging business is protected against unforeseen events.

Ready to grow peace of mind?

Navigating the intricacies of commercial insurance, especially in a field as complex as logging and forestry, can be a daunting task. But, with Higginbotham as your partner, you don’t have to face it alone. With our carrier relationships and industry expertise, we’ll help find timber insurance coverage that provides the protection you need.

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Forestry Businesses We Serve

At Higginbotham, we understand that the forestry industry is vast and diverse. From commercial logging operations to paper product manufacturers, each business has its own specific insurance needs. Our experience extends to a wide range of forestry businesses, including:

Lumbering Operations


Wood Chipping Operations

Planing Mills


Specialty Forest Products Manufacturers

Land Clearing Operations

Molding and Wood Flooring Producers

Pulp and Paper Mills

Commercial Logging Operations

Paper Product Manufacturers

Wood Drying and Treating Plants

Furniture and Cabinet Manufacturers

Pallet Manufacturers and Recyclers

Lumber Yards

Building Materials Dealers

Wood and Wood Product Manufacturers

Woodworking Operations

Mulch Manufacturers

Roof and Floor Truss Manufacturers

The Higginbotham Difference: Coverage Rooted in Your Needs

As one of the nation’s largest independent insurance, financial and HR services firms, we represent a wide range of insurance carriers, and we leverage our market access to negotiate better terms and pricing for our clients. With us, you’ll get assistance to help you make the most of your insurance dollars without sacrificing coverage.

And, that’s not all you get – we understand the importance of risk management and loss control in the forestry industry, and that’s why we offer value-adding services like claims advocacy, compliance support and certificate validation.

That’s the Higginbotham difference: personalized, year-round support from a dedicated team that not only secures insurance coverage, but maximizes its value.

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What insurance do logging operations need?

Logging operations face a multitude of risks, and in order to mitigate these exposures, forestry businesses may consider a variety of insurance coverages, such as:

General Liability Insurance

General liability insurance provides financial protection for businesses against claims of bodily injury, property damage and personal injury that are caused by the business or its employees. General liability coverage can assist with legal fees, medical expenses and property damage repairs, helping your business remain financially secure in the face of a covered event.

Workers’ Compensation

Workers’ compensation insurance is an essential coverage for logging businesses. It provides financial protection in the event of work-related injuries or illnesses by helping to cover medical expenses, rehabilitation costs and lost wages for injured workers. Workers’ compensation can help logging businesses minimize their liabilities, avoid potential lawsuits and comply with legal requirements.

Commercial Property Insurance

Commercial property insurance protects your lumber business’s physical assets, such as buildings, equipment and inventory, against risks like fire, theft and vandalism. And, with additional coverage options like standing timber insurance, which helps timber growers and farm owners to protect the value of their standing timber, you can help safeguard your valuable forestry assets and keep your business operational in the face of unexpected events.

Forestry and Logging Equipment Insurance

Forestry and logging equipment insurance helps to protect the valuable machines and tools used in the lumber industry, such as delimbers, feller bunchers, wood chippers, log loaders, saw mills, planers and forwarders. As a form of equipment breakdown insurance, this industry-specific policy helps to reduce the impact of repairing or replacing damaged equipment used in day-to-day operations, making it essential in protecting your valuable assets and allowing your operations to continue without major disruptions.

Commercial Auto Insurance

If your forestry business relies on the use of automobiles to transport products, commercial auto coverage is an essential form of insurance, providing protection for physical damage to vehicles, medical expenses from driver or passenger injuries and third-party property damage. And, specialized commercial auto policies for the forestry industry, such as log truck insurance, can offer protection that’s tailored to the needs of your lumber business. Having commercial auto insurance in place helps protect your business from potential liabilities while keeping your employees safe on the road.

Umbrella (Excess Liability) Insurance

Commercial umbrella insurance provides an additional layer of protection for your logging business by covering costs that exceed the limits of other policies. This type of insurance is particularly important for businesses in the forestry and logging industry, as they often face high levels of risk and liability and may encounter events that are not covered by or that exceed the limits of their current coverage.

Surety and Timber Bonds

Timber bonds, a kind of surety bond specific to the logging and forestry industry, may be required by private or government landowners in order to provide assurance that the buyer or logging company will fulfill the terms of the contract. Obtaining a bond demonstrates your logging business’s commitment to adhering to industry standards and regulations, helping to protect your reputation and safeguard your commercial success.

Transportation and Inland Marine

Transportation and inland marine insurance are two coverages that may be useful if your logging operation transports its products on the road or on the water. These forms of insurance can offer protection for forest products or pieces of equipment that are in transit, providing valuable coverage for your business. And, more specialized transport policies like forest products transportation insurance can offer additional protection for your products and equipment or liability for accidents or injuries that occur during transportation.

Commercial Insurance Packages

Finding the right insurance coverage for your forestry business can be difficult, but if you’re looking to simplify your insurance administration and potentially lower your premium cost, a commercial package policy is a great option to consider. With policies tailored to your business and the flexibility to add specialty coverage options, a commercial insurance package is highly customized to fit the needs of your business.

For example, a wood products insurance program is specifically designed to cover businesses involved in the production and distribution of wood products, such as wood manufacturers, furniture manufacturers, paper manufacturers and businesses in secondary wood product industries. A commercial insurance package for these businesses may include coverage for property, liability, auto, workers’ compensation, equipment and product liability.

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Why Higginbotham?

At Higginbotham, we recognize the uniqueness of each forestry business. That’s why we offer commercial insurance services that are tailored to your needs and backed by our team’s insurance experience and industry knowledge.

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Loss Control and Risk Management for the Lumber Industry

Loggers face numerous risks in their daily operations, including equipment failure, accidents and environmental hazards. These risks have the potential to cause significant financial losses and operational disruptions, making it crucial for logging and forestry businesses to implement effective risk management and loss control strategies.

That’s why, at Higginbotham, we don’t just help you cover loss; we help you identify, prevent and minimize it. We assess your operations to identify vulnerabilities and create a risk management program that supports your business objectives, workplace safety goals, financial situation and risk tolerance.

Navigating the Costs of Forestry Insurance

Understanding and navigating the costs of forestry insurance is crucial for businesses in the industry. The cost of logging insurance is dependent upon a variety of factors, including:

  • The type and scope of coverage
  • The size of the logging operation
  • The geographical location(s)
  • The history of the business
  • The skill level of the workers
  • The associated risk of the logging activities

Working with a logging insurance broker is one way of potentially minimizing the costs of your forestry insurance. A broker can guide you through the insurance process and help your business obtain the best possible coverage at a competitive rate.

At Higginbotham, our team of specialists is committed to helping you understand the costs associated with forestry insurance while providing you with the support and guidance you need to make informed decisions about your coverage.

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Meet Our Forest and Wood Products Insurance Practice Leaders

Bill Holman

Bill is a proud graduate of the University of Georgia’s Terry College of Business. He has dedicated more than 32 years to the insurance industry, specializing in professional liability, risk management, property and casualty insurance, business development, employment practices liability and coverages for forestry businesses.

His credentials include Associate in Risk Management, Certified Risk Advisor and Chartered Property Casualty Underwriter designations. As a managing director at Higginbotham, Bill helps lead our forestry and wood products insurance practice, using his extensive experience to drive meaningful results for clients.

Managing Director
Bill Holman
Managing Director, Wood & Forest Products Insurance

Josh Smith

Josh attended the University of Mississippi, receiving a Bachelor of Business Administration degree in insurance and risk management. After graduating, he worked as an underwriter and commercial marketing executive for a financial institution.

In 2005, he decided to enter the insurance industry, focused on providing personalized services to niche businesses, particularly those within the forestry and lumber industry. In 2022, Josh and his firm joined the Higginbotham family, further strengthening his ability to deliver risk management solutions to clients nationwide.

Josh and his wife, Sloane, live in Brookhaven, Mississippi, with their three children, Sara Rodgers, Hampton and Emmie.

Managing Director
Josh Smith
Managing Director, Wood & Forest Products Insurance

Patrick Williams

Patrick has over 25 years of insurance experience, including specialized knowledge of logging contractors, forestry operations, general liability coverage, logging/forestry equipment insurance, workers’ compensation and logging/forestry auto coverage.

After graduating from East Central University, he entered the insurance industry, quickly becoming a forestry insurance specialist. Patrick is a member of many local and state forestry insurance associations and has helped build one of the largest forestry/logging insurance programs in the South. He also holds a Commercial Lines Coverage Specialist (CLSC) designation.

In his free time, Patrick enjoys hunting, coaching local softball teams and spending time with his wife and two daughters.

Executive Vice President
Patrick Williams
Executive Vice President, Wood & Forest Products Insurance
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Not sure where to start? Talk to someone who wants to listen.

As a forestry business owner or manager, you understand the importance of protecting your business from the unique risks and challenges that you face in the industry. That’s why Higginbotham offers logging insurance solutions that are designed to help safeguard your business and mitigate the risks associated with logging operations, timber sales and other forestry activities.

Choosing Higginbotham as your broker gives you access to a team of dedicated insurance risk management professionals committed to understanding your business and delivering personalized solutions. Because we’re invested in your success – now and in the long run.

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