This is a coverage that is often viewed as unneeded or expensive for the benefits provided. This may be even more of an issue for those we serve in the timber industry since in many cases competitors in the insurance industry have frequently included an endorsement to the policy which excludes logging and lumbering.

General Liability coverage has various components available for different industries including:

• Premises
• Products/completed operations coverage
• Advertising/legal liability coverage
• Personal injury/slander coverage
• Damage to property
• Medical payments coverage

• Is there a risk of someone other than an employee getting hurt on the site being logged? Does a forester, mill representative, environmentalist, hunter, snowmobiler, equipment repair or salesperson ever come out to the logging site?


• Can property not owned by the insured be at risk for some type of loss due to the actions of the insured? Do you ever load non-owned trucks that you have hired to haul your timber? Is there a possibility that you could mistakenly cut beyond the boundaries designated for your contract? Could you be responsible for a fire that burns additional forestland?


• The final question should be-could someone other than the named insured and his employees suffer injury due to the operations of business?

Accounts written through the "Evans Insurance Agency" will not see an exclusion for logging and lumbering. Inclusion of this restriction of coverage is something that we see with many clients who come to us from other agencies.

Advantages of having General Liability coverage with us include:

• We provide Loggers Broad form coverage to address the coverage needs identified in the section above.


• Requests for Certificates of Insurance are handled in a timely and professional manner. We can provide the documentation of coverage that the mills and landowners you deal with may require.


• You can feel confident that the people serving you know the insurance products that the staff of the Evans Insurance Agency understands the needs of the trucker industry and markets products that fit the needs of the trucker industry.


• You will receive a product worthy of the price that you pay and you can feel confident that it is a competitively priced product.


• You will be working with an agency that is centrally located in the heart of Minnesota's forestlands.