Purpose -built coverage for the lumber industry's most complex property risks.

Lumber and wood operations face distinct property exposures — from combustible materials and kiln operations to sawmill machinery and stock in the open. With risks spanning fire, equipment breakdown, and natural catastrophes, insureds in this sector need specialized protection built around the realities of their operations.

Through the  Property Risk Management Association (PRMA), Amwins offers a dedicated Lumber & Wood Program providing up to $600 million in all-risk property capacity with $100 million blanket features. Designed for manufacturing, storage, and distribution facilities, the program combines broad manuscript-form coverage with specialized sublimits and competitive pricing, all backed by multiple A.M. Best A- through A+ rated carriers.

Program Highlights:

• All-risk manuscript form
• All real and personal property
• Actual loss sustained as respects loss of rental value including 365-day extended period of indemnity
• Building ordinance including contingent liability; demolition and increased cost of construction
• Includes sprinkler leakage
• Replacement cost if repaired or replaced
• No Coinsurance
• $100,000-$1,000,000 deductible per occurrence, per insured, as respects all other perils
• Includes Stock including Work in Progress and Stock in the open
• Includes earthquake and flood coverage
• Can include coverage for Continuous Kilns

 Program Qualifications and Details:

• TIV > $50M, up to $100M per location
• Adequate replacement cost values required
• All key property locations inspected to verify accuracy
• Membership & inspection fees: $250 membership / $2,500 minimum inspection

Major Exclusions:

• Earthquake in California
• Mobile Equipment