North American Timber Program

North American Timber Program is the longest-operating independent program for loggers and logging contractors in the United States, insuring timber fallers and in-woods operations with admitted carriers going back to 1979. We provide underwriting, property and casualty, loss control, claims, and marketing services for appointed agencies in 32 states, including Alaska.

Our underwriting, claims, and loss control personnel have extensive experience and knowledge in the forest products industry. This unique focus allows us to customize policies and accommodate emerging contractual requirements from mills and timber management companies. North American Timber Progam (NATP) and our agency partners are timber specialists and supporters of state and national forestry and logging associations.

North American Timber Program Capabilities

Primary coverage policies issued on Falls Lake Insurance (AM Best Rating A | Financial Size: 10) $1 million/$2 million aggregate. Excess coverages over primary policy issued on Arch Insurance Company (AM Best Rating A+ | Financial Size: 15) $1 million to $10 million.

Areas of Expertise

Loggers and logging contractors, mechanized and timber fellers, forestry services, chipping operations, log road builders, reforestation contractors, timber dealers, and log yards.

North American Timber Program Exclusive Features

NATP Loggers Broad Form

Offered as an endorsement to our General Liability policy and includes limits of $1 million each occurrence and $2 million aggregate without sub-limits. Coverage includes:

• Fire suppression expenses
• Property damage to others’ timberland
• Property damage while loading/unloading
• Timber trespass or overcut

NATP Excess

Written over NATP general liability and commercial automobile policies from $1 million up to $10 million additional limits. We offer excess liability over NATP Loggers Broad Form as the highest limits available for timber-harvesting contracts.

Coverage Highlights

General Liability

Including Loggers Broad Form, Broadening Endorsements including Additional Insured, Waiver of Subrogation and Primary Non-Contributory, Pesticide and Herbicide applicator, and additional Pollution coverages.

Commercial Automobile

Including log and chip trucks and trailers, pickup and service trucks, dump and gravel trucks if owned by loggers or log-road builders; water and fuel trucks used for the insured’s own equipment, crew buses, vans, and crummies. (We do not write mono-automobile or log/chip haulers. NATP offers commercial automobile coverage only as a package to loggers and logging contractors). Our program can cover most Commercial Auto Symbols including Hired, Non-Owned; and Broadening Endorsements including Additional Insured, Waiver of Subrogation, and Primary Non-Contributory.

Property

Including maintenance buildings and mechanics shops, office properties, storage, and parts buildings, and log yards, in their use to maintain trucks and equipment owned by the logger or logging contractors.

Inland Marine and Mobile Equipment

Coverage for skidders, loaders, feller bunchers both tracked and wheeled, processors, mastication and mulching machines, delimbers, yarders, chippers, dozers, graders, and other specialized equipment used in the harvesting, thinning, and processing of timber.

Equipment Breakdown

Coverage is available for loss due to mechanical or electrical breakdown of equipment

Crime

Coverage for fraud, employee dishonesty, forgery, money, and securities.

Pollution

Including coverage for in-the-wood exposures.

Cargo

Including logs, chips, and lumber. We will consider conditional back-hauled non-hazardous bulk commodities and lowboy of other equipment.

Excess

Excess provided only over NATP general liability including loggers broad form and commercial automobile policies starting at $1M.

Contact

Jean Pierre Fontenot

NATP Program Director
C: 503-828-0986
E: jfontenot@paragoninsgroup.com

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