Insurance for Wood Product Manufacturers
Coverage built to spec. Not off the shelf.
Your business faces unique risks like these that many underwriters ignore, or price wrong:
Dust exposure is often sublimited or excluded on standard property forms, and few underwriters ask to see your collection layout before quoting.
Solvent storage, booth ventilation, and cure ovens change your fire class. A wrong occupancy rating tends to surface at claim time, not at renewal.
Millwork that fails after installation lands between your general liability and the builder's risk policy. Generic forms leave that seam open.
If a five-axis router goes down, the lead time to replace it can run months. Business interruption limits are rarely set against that number.
Coverages We Place for Wood Product Manufacturers
Buildings, machinery, and stock rated for dust and finishing exposures rather than generic light manufacturing.
CNC routers, edgebanders, wide-belt sanders, compressors, and collection systems, with limits set against real replacement lead times.
Completed operations for installed cabinetry and millwork, including work performed by subcontracted install crews.
Class code review, experience modification analysis, and return-to-work support for saw, press, and material handling injuries.
Delivery trucks, flatbeds, and install vans, with hired and non-owned coverage for crews using their own vehicles.
Layered above your primary limits to meet the contract requirements general contractors and lumber suppliers put in front of you.
About Liberty
Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four years by the Hales Report.
Liberty is not your typical insurance broker: We are a culture-first organization, and believe “If you put people first, good business will follow.” Our goal is to clear the path of political and administrative distractions so our valued team of creators can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.
