Your Contractor Has Insurance. That Doesn’t Mean You’re Covered.

Logging is hard, physical, dangerous work. It runs through heat, dust, mud, steep ground, mechanical breakdowns, fire restrictions, and narrow margins. Loggers know how to fall timber, run heavy equipment, build roads, move logs, and keep a job going.

Most loggers do not enter the industry wanting to review insurance endorsements. Honestly, neither did the mill, timber purchaser, forestland owner, investment manager, or consulting forester hiring them. Insurance can be boring unless you are a risk manager or lawyer. In the real world of the forest industry, a contractor provides a certificate. Someone checks the box. The equipment rolls.

A hiring company may be relying on insurance protection that does not exist, though, unless someone who understands insurance reviews the paperwork before the work starts. A certificate of insurance does not establish that the contractor’s policy covers the risk the hiring company intends to transfer. The gap often stays hidden until a machine