Sawmill Insurance

[WDH]

I am still trying.  Underwriters say my sales volume is too low  . 

[glassman_48]

MAI,
If I purchased a portable sawmill, took it to someones house to mill their logs, they paid me for the service and they had their people to off load the lumber and one of them got hurt.  Do you know if a written contract before hand is the way to go?  Or would that even help?  Pretty general question I know but would like your input if you dont mind.   thanks, Ed

[giant splinter]

Question for Dewey,
I may have missed the type of insurance that you need for your stationary mill even after going back through your posts, I am trying to figure out just exactly what it is that you need in the way of coverage?.
In other words what is it specifically that you are interested in protecting your mill and business from?.

[Chuck White]

MAI,
If I purchased a portable sawmill, took it to someones house to mill their logs, they paid me for the service and they had their people to off load the lumber and one of them got hurt.  Do you know if a written contract before hand is the way to go?  Or would that even help?  Pretty general question I know but would like your input if you dont mind.   thanks, Ed

I'm sure that a contract would help, especially if you point it out in the contract that the customer has to have health insurance that can be used in case of an injury!

However, it sometimes depends on which one has the best (most devious) lawyer!

[Piston]

I am still trying.  Underwriters say my sales volume is too low  .

That's what my issue was with trying to find insurance for brush mowing.

[glassman_48]

amen chuck,
I have business insurance that covers me for onsite mobile processing and where my firewood location is presently.  I have theft on my machine wherever it is at.  I am looking at doing the same thing with a sawmill so hopefully my agent could just add that on to my current policy. 

[Dewey]

I have just invested a large sum of money in a 4 sided Planer and a 38x 44' Building to put it in....  Part of the Building is going to be a wood fabrication shop to hopefully make and sell products that I saw from my sawmill.
At my location I have 4 buildings..... 1 for finished lumber storage, 1 for the sawmill,1 for eguipment storage, and the new building for the Planer.

I obviously need insurance for the bank for the loan I took out.... and insurance for liability for customers coming and going, I have two delivery trucks that need insurance also....

And I am going to need  workers comp soon ....

I think I said earlier ( if I didn't... sorry ) that I had insurance now and that a friend of mine is selling insurance now and couldn't find me coverage.
So this post was to see what may be out there that my friend may not have been able to find...

[MAI]

Glassman_48,
That's a question for an attorney to answer.  In our sue-happy world, a signed contract or hold harmless agreement may be worth less than the paper it's written on if someone gets hurt.       

[glassman_48]

MAI,
Thanks, kind of what I thought too.  When my son and I process firewood, we just keep people back, dont want anyone near my machine when its running at all. 

[giant splinter]

Dewey
If your mill in in its own shed and you are not inviting people into the shed while the mill is in operation you probably don't need any special mill insurance other than theft and loss coverage. as far as the rest of your operation goes it seems that you should be able to get it all under one umbrella as a general liability policy including product liability and your general liability for the delivery end of the operation. It might be a good idea to see what your bank wants and the add the business liability to that.
I really don't know much about insurance but I have sure paid my fair share over the years and I bet you will find a responsible agent who knows his carriers and can cover your needs.