Loggers Broad Form Insurance Explained
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UPDATED: Sep 28, 2012
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Of all the jobs that are available, one of the most dangerous is logging. It takes a certain breed of person to do this type of job, due to all of the dangers involved. After all, loggers work with heavy equipment, they are around falling trees, they use chainsaws, etc. All of these things are dangerous, and therefore loggers are required to carry a certain amount of insurance over and above their regular coverage. Logger’s broad form insurance was put in place for just this reason, and it provides the coverage loggers need no matter what type of situation they end up getting themselves into during their work.
What is Logger’s Broad Form Insurance?
Logger’s broad form insurance can also be referred to as general commercial liability coverage. This type of policy covers things that a regular insurance policy would not. For instance, fire suppression expenses are covered, as well as property damage that is caused by a wildfire. Logger’s broad form insurance also offers buy back coverage to take care of incidents of accidental trespassing. If a logger does not own the land he or she is cutting on, it is important for the land owner to be added as an additional insured party. There is no additional cost to the logger to have this coverage, and it very important to include in logger’s broad form insurance.
When you carry logger’s broad form insurance, you should also have coverage that protects you if you fall and are unable to work. This coverage also pays for death benefits of the loggers and their employees. In some states, it is not mandatory that loggers carry worker’s compensation insurance, but because this type of work is so dangerous, it is best to carry this in addition to logger’s broad form insurance.
Deciding on the Coverage You Need
When you are getting logger’s broad form insurance, you need to consider a number of things, including how much coverage you think you should have or need. Here are a few questions to ask yourself when you are looking for logger’s broad form insurance quotes:
- Is the insurer you go through experienced at handling claims made by loggers?
- Do you transport fuels or lubricants?
- Do you have certain tools or cargo that needs specific coverage?
- Does the coverage include fire suppression costs?
- Do you use pesticides or herbicides?
- Does the policy cover damages to vehicles you are loading or unloading?
Make Sure You Get the Best Rates
Just because you need to have this extra logger’s broad form insurance coverage, it doesn’t mean that you should have to pay a fortune for it. One of the best ways to make sure that you are getting the best insurance rates is to shop around and get quotes from a variety of insurers. Then, you can look at all of the quotes, and decide which insurer is offering the products you need at a price you can afford. Give us your zip code, and we’ll search our databases to get quotes from insurers in your area, saving you all the work.