For our timber clients we have numerous markets that provide competitive pricing while offering a quality product.

As an alternative option for insured's who may have newly started businesses or those who may have some loss experience problems we have access to the Minnesota Assigned Risk Program.

Because Work-Comp can be one of the most expensive insurance coverage's that a business purchases we emphasize to our insureds that they need to implement procedures to provide the safest work-site possible for their employees regardless of the type of industry that they are involved in.

Safety for employees is something that all employers regard highly and in some cases an outside observer can provide insight regarding simple procedures that can be implemented to make the work place even safer. Work-site safety precautions can vary immensely by occupation and the companies that we represent will be glad to make recommendations in addition to those that we might see when visiting your site.

Advantages of having your Work-Comp coverage with us include:

• Dealing with a friendly, knowledgeable and efficient agency staff that is dedicated to the needs of the clients we serve.


• Having a local or centrally located agent to serve your needs at the time of the sale as well as when a claim or other concern arises.


• Feeling secure in the knowledge that you have an agent who will seek out the best value for your insurance dollar at the time of the initial sale as well as during the coverage period if better alternatives should become available.

Special coverage's we would suggest:

• Inclusion of increased limits of coverage from the statutory limits of $100,000/500,000/100,000 up to a level coverage of $500,000/500,000/500,000.


• Accurate estimates of annual projected payroll figures as well as proper classifications of payroll distribution between different employee jobs. By providing accurate payroll figures the client can minimize the possibility of a large additional premium owing when the policy renews and the audit is complete. All Work-comp policies are rated on the payroll of the business and are audited to determine that accurate premiums have been charged.


• Depending upon your type of operation you could be placed with one of our carriers who offers a monthly reporting form of premium calculation. The monthly reporting form of premium calculation simply means that you will pay your premium on a monthly basis based on the payroll that you had for that month. During slow times of the year you will have work-comp premiums that reflect potentially lower payrolls and thus lower work-comp insurance premiums. This is a program that is available to our logging clients (as well as others).