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Author Topic: Sawmill insurance  (Read 4550 times)

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Offline JBeyer

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Sawmill insurance
« on: August 23, 2012, 07:39:42 PM »
I've decided on a sawmill, most likely the EZ Boardwalk Jr  8) 8) 8) for hobby sawing and if someone wants a few logs done. So would it be a good idea to get some type of "inland marine" insurance for towing down the road ??? And in most cases would personal liability insurance cover you if some moron gets hurt around your milling site on someone else's property? I live in farm coluntry, biggest city is only 60,000. rest of county is towns under 4000 and mostly farm or woods. Would a farm oriented agent be best to check with since I live in m,iddle of farm country? i'm more worried about the liability end of things if doing a job on someone else's property.

Offline POSTON WIDEHEAD

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Re: Sawmill insurance
« Reply #1 on: August 23, 2012, 08:09:41 PM »
J......Welcome to the Forum.

We don't know what state you live in. But to answer your question, you could call your insurance company. I guarantee you they can give you the right answers.
The older I get I wish my body could Re-Gen.

Offline Jeff

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Re: Sawmill insurance
« Reply #2 on: August 23, 2012, 08:56:18 PM »
To answer your question, Call our sponsor Margeson and Associates and ask for D.J.  They know bandmill insurance. Why? Because they know what a bandmill is for starters.  :) They cover in ALL states.

http://www.mai-ins.com/ins_bandsaw.html
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Offline POSTON WIDEHEAD

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Re: Sawmill insurance
« Reply #3 on: August 23, 2012, 08:59:38 PM »
To answer your question, Call our sponsor Margeson and Associates and ask for D.J.  They know bandmill insurance. Why? Because they know what a bandmill is for starters.  :) They cover in ALL states.

http://www.mai-ins.com/ins_bandsaw.html


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The older I get I wish my body could Re-Gen.

Offline richard lane

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Re: Sawmill insurance
« Reply #4 on: August 24, 2012, 08:44:01 AM »
Hello, I purchased a policy from Margeson for my mill and edger. I worked with DJ and found the process painless and reasonable. Richard Lane



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Re: Sawmill insurance
« Reply #5 on: August 24, 2012, 02:12:18 PM »
Looks like I missed you earlier JBeyer,  Welcome to the Forestry Forum.   :)
Knothole Sawmill, LLC     '98 Wood-Mizer LT40SuperHydraulic   WM Million BF Club Member   WM Pro Sawyer Network

Never allow your "need" to make money to exceed your "desire" to provide quality service.....The Magicman

Offline Okrafarmer

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Re: Sawmill insurance
« Reply #6 on: August 25, 2012, 07:54:55 PM »
Yes, welcome to the forum!
Insurance is a good thing.
No matter how conventional wisdom may fly in the face of radical thought, it's still the most popular type.

Operating a 2020 Woodmizer LT35 hydraulic for Wagner Farms, Dacusville, SC

Offline MAI

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Re: Sawmill insurance
« Reply #7 on: September 05, 2012, 12:33:01 PM »
Hi JBeyer,
Welcome to the Forum.  Your mill may or may not be covered for physical damage under your auto policy.  It's best to check with your auto insurance agent.  An inland marine policy for physical damage should cover your mill while being towed, while on your property and on someone else's regardless of the state you are in..     Your personal policy "MAY" offer coverage while on your property but if you operate the mill as a business more than likely it will not cover you.  If you are going to do work on someone else's property you need a separate liability policy. 

Offline Okrafarmer

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Re: Sawmill insurance
« Reply #8 on: September 08, 2012, 01:04:37 AM »
Thanks for posting, MAI, welcome to the forum. I'll be talking to you shortly, I do believe. Others may have some of the same questions I do-- do you have any policy coverage for stationary mill operations, including liability for covering customers and vendors on your property, and do you have any dealings with workman's comp for fixed or mobile sawmill operations that have employees or subcontractors?
No matter how conventional wisdom may fly in the face of radical thought, it's still the most popular type.

Operating a 2020 Woodmizer LT35 hydraulic for Wagner Farms, Dacusville, SC

Offline sigidi

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Re: Sawmill insurance
« Reply #9 on: September 08, 2012, 04:15:54 AM »
I know its a different kettle of fish, but down here public liability insurance for operating my mobile sawmilling business is just on $700AU for 12 months and gives me $10m cover if needed. I can also get bob the cat and my NEW sawmill (Sparky - Carl Weiss is now giving Bo a new home, he better treat her right) covered for fire theft and damage for around another $600AU which also includes $30m liability for damage caused by Bob cause he ain't a road registered vehicle and so doesn't come under the registration third party property damage all our road vehicles have as compulsory insurance down here.
Always willing to help - Allan

Offline drobertson

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Re: Sawmill insurance
« Reply #10 on: September 08, 2012, 08:50:57 AM »
Welcome JB, I went through the outfit Jeff suggested,  I have dropped them, but am looking at going back, I was glad to here that DJ was still there, he is very helpful.  Nothing like a lil piece of mind,   good luck
only have a few chain saws I'm not suppose to use, but will at times, one dog Dolly, pretty good dog, just not sure what for yet,  working on getting the gardening back in order, and kinda thinking on maybe a small bbq bizz,  thinking about it,

Offline MAI

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Re: Sawmill insurance
« Reply #11 on: September 10, 2012, 01:33:11 PM »
Hi Okrafarmer,
Yes, we do offer both property (equipment) and liability insurance in all 50 states for stationary band sawmills operations.  I always like to discuss an owner's operation prior to quoting.
Our program does not offer Workers Comp.
Can I be of any further help?
Thanks,
DJ

   

Offline Okrafarmer

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Re: Sawmill insurance
« Reply #12 on: September 10, 2012, 06:31:50 PM »
We may be setting up our sawmill as a separate business soon, in which case I will contact you for a quote as soon as I know what we are doing.  :)
No matter how conventional wisdom may fly in the face of radical thought, it's still the most popular type.

Operating a 2020 Woodmizer LT35 hydraulic for Wagner Farms, Dacusville, SC

Offline scsmith42

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Re: Sawmill insurance
« Reply #13 on: September 11, 2012, 03:48:11 PM »
DJ, are y'all offering insurance for swing-blade mills yet?  I recall checking with you a few years back and it was not available; am wondering if things have changed.

Thx.

Scott
Peterson 10" WPF with 65' of track
Smith - Gallagher dedicated slabber
Tom's 3638D Baker band mill
and a mix of log handling heavy equipment.

Offline MAI

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Re: Sawmill insurance
« Reply #14 on: September 12, 2012, 10:52:29 AM »
Hi Okrafarmer,  Let me know when you get closer to setting up a business.  I'd be happy to assist you.

Scott,  We still aren't able to offer coverage for a swing-blade mill.  Sorry about that.  Nice to hear from you.

Offline Okrafarmer

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Re: Sawmill insurance
« Reply #15 on: September 12, 2012, 10:03:02 PM »
Hi Okrafarmer,  Let me know when you get closer to setting up a business.  I'd be happy to assist you.

Scott,  We still aren't able to offer coverage for a swing-blade mill.  Sorry about that.  Nice to hear from you.

Sounds like you better work on that.  :)
No matter how conventional wisdom may fly in the face of radical thought, it's still the most popular type.

Operating a 2020 Woodmizer LT35 hydraulic for Wagner Farms, Dacusville, SC

Offline Jeff

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Re: Sawmill insurance
« Reply #16 on: September 12, 2012, 10:10:52 PM »
In my opinion, D.J.'s agency is one of the very view that understands the portable bandmill. They've made their carriers understand that this is not the big bad sawmill your mother never wanted you to work at. The inherent dangers are far less than those of a circle sawmill. That's one big reason why the swingmills can't be lumped in with the portable bandmills, the dangers of the rotating circle saw.
Just call me the midget doctor.
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Ezekiel 22:30

Offline Okrafarmer

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Re: Sawmill insurance
« Reply #17 on: September 12, 2012, 10:30:04 PM »
Ah, I see. Well, maybe in the future. I understand it would have to be a different policy, a different set of parameters. And probably cost more.
No matter how conventional wisdom may fly in the face of radical thought, it's still the most popular type.

Operating a 2020 Woodmizer LT35 hydraulic for Wagner Farms, Dacusville, SC

Offline MAI

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Re: Sawmill insurance
« Reply #18 on: September 13, 2012, 12:37:31 PM »
Well, cost MAY be an issue but being properly covered is more important.  We are able to offer property or liability coverage separately or as a package for the band saw owner.  Plus, the coverage is applicable in all 50 states.

I'm working with two clients, one in the East and one ourt West who both had their mills damaged on someone else's property by another party.  The insurance company began working on their claims promptly and both mills are being repaired.  I've been advising everyone to make sure their milling operation is marked off properly with some type of safety zone.  Many sawyers use Cones, Caution Tape, Wooden Barricades, etc.  One sawyer told me he uses orange cones with 6ft. high bars inserted down the hole of each cone and a reflector on top.  At times he runs Caution Tape from one cone to the next.   Depending on the area you're working in will determine what you need to do.
   


Offline moosehunter

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Re: Sawmill insurance
« Reply #19 on: September 13, 2012, 02:22:20 PM »
I am starting to get more road jobs now, have been thinking about the need for insurance and noticed this thread.
I left D.J. a message and looking at his web site see that he is right down the road from me!
mh
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Higher than my expectations
Well, I have really good days".    Ray Wylie Hubbard


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