Interactive Protection Map

Welcome to Woodbury

Your Interactive Protection Map

Woodbury is a fictional town we’ve created to help you identify the variety of wood businesses that may be found in your local communities: lumberyards, woodworking shops, hardware stores, light manufacturing operations, sawmills and building material dealers.

Explore Woodbury to discover what wood operations might be in your own neighborhood and how PLM can help you serve these clients. By clicking on the icons, you will learn more about the specific businesses we insure in the wood industry and the specialized resources we provide for their unique risks.

Covered

Not Covered

Hardware Store

Woodworking Shop

Building Material Dealer/Lumberyard

Commercial Vehicles & Fleets

Home Builders and Contractors

Light Manufacturing

Sawmills & Heavy Manufacturing

Standing Timber and Logging Operations

APPETITE ELIGIBILITY TOOL

Our online search tool that enables insurance producers to instantly identify live, up-to-date carrier appetite when searching for markets to submit new and renewal business.

SUBMISSION REQUIREMENTS

Send your submissions to newbiz@plmins.com to get a PLM quote for your wood business clients.

GET PRODUCER KIT

Request a producer kit to receive an information guide to doing business with PLM.

BE A PARTNER

PLM operates on an open brokerage basis meaning that we do not appoint our producers or have premium or volume commitments.

Hardware Store

Small, independent hardware stores and home centers are found throughout communities. From tools to plumbing and electrical supplies, these businesses are sources for local professionals and DIY retail needs.

Examples of who we protect:

Hardware Stores
Small Home Centers

HardwareXpress Program Overview

HardwareXpress, our hardware solution, is designed to meet the unique needs of small hardware stores and small home centers with specialized coverage. Additionally, we can help your client place Workers Comp for one comprehensive quote.

With a quick and easy quoting process and no pre-inspection needed*, HardwareXpress is here to help your client protect their business.

Coverage includes access to the entirety that PLM has to offer – including, Property, General Liability, Auto, Inland Marine, Umbrella, Employment Practices Liability Insurance, Cyber Liability, Crime, Business Income/Profits Form, and Workers Compensation which will be placed by PLM’s in-house brokerage, ABM, through partner carrier(s).

Basic Eligibility Requirements

Single Location
Up to $3 Million TIV
Up to $2 Million Annual Sales
4 Autos or Less
No Installation

Contact Us

We look forward to learning about your client’s insurance needs and providing a competitive quote.

Let’s get started! Protecting your client’s woodworking business is easy – simply Request A Quote or email hardware@plmins.com.

*PLM will partner with you to conduct a virtual inspection within 15 days of a policy being bound.

Woodworking Shop

Woodworking shops create wood products, but often on a smaller and more local scale than light manufacturing. From wooden frame makers to turning or carving, these shops create individual products for sale.

Examples of who we protect:

1-Person Woodworking Shops
Wood Carving and Wood Turning
Wood Novelties Manufacturing
Other Smaller Wood Products

Building Material Dealer / Lumberyard

Building Materials & Lumberyards Coverage

With their materials obtained from the mills, these retail and wholesale operations often serve as suppliers of wood and other building supplies to local contractors, light manufacturing / woodworking operations, and consumers. Additionally, some dealers provide a wide range of building materials other than lumber, such as millwork, roofing, drywall, electrical and plumbing supplies.

Examples of who we protect:

Building Material Dealers
Lumberyards
Masonry Yards
Electrical, Plumbing or Drywall Suppliers
Lumber Brokers and Distributors

Notable Hazards:

Personal safety is important, especially with the loading/unloading of heavy materials and with mobile machines in use, such as forklifts
Retail environments require special attention from trip and fall hazards
Businesses can suffer losses related to contractors performing work on their behalf – contractual risk transfers, hold harmless agreements and additional insured certificates need to be carefully managed

Commercial Vehicles & Fleets

Many businesses use vehicles for their operations, from one or two trucks to large commercial fleets. PLM provides specific casualty insurance tailored to various businesses’ commercial auto needs. Our expert Loss Control department offers consultative services and fleet reviews to help create fleet management policies and safety programs.

We also offer educational materials for fleet safety and partner with leading industry providers in continuous MVR monitoring for drivers, distracted driving mobile protection, and comprehensive telematics solutions for insureds.

Note: PLM is not a market for mono-line commercial trucking operations. Continue along the map to find other segments of the wood niche that PLM protects!

Home Builders and Contractors

As found on frame construction sites, builders and contractors use wood materials on their jobsites obtained from lumberyards and other suppliers. Unfortunately, construction sites and builders/contractors are not currently part of the PLM appetite.

Continue along the map to read about where they source their materials and how we can help keep them in business!

Light Manufacturing

Unlike sawmill-type operations, light manufacturing (also called secondary manufacturing) processes dimensional lumber received from the mills, producing finished wood products or wood components. These include everything from large, wood products manufacturing, moulding & millwork to cabinet manufacturers or wood flooring. If they manufacture with wood and make sawdust – they probably fit here.

Examples of who we protect:

Cabinet Making and Manufacturing
Box & Crate Manufacturing
Countertop Manufacturing
Fence Manufacturing
Furniture Manufacturing
Laminated Wood Products
Moulding & Millwork
Stair Manufacturer
Flooring Manufacturer
Concentration Yards & Wood Drying (Kilns)

Notable Hazards:

Some finishing chemicals and adhesives are highly flammable, requiring proper storage, ventilation and disposal
Possible ignition sources, like space heaters near oily rags, can lead to fire
Improper dust control and collection, such as irregular housekeeping, can increase chance of losses
Combustible wood dust can explode under pressure without specialized filtration and collection systems

Sawmills & Heavy Manufacturing

It all starts here (for PLM)! Sawmills are where logs are graded for quality and converted into useful dimensional lumber of various sizes. Some may be individual portable sawmills, but many can be found as large, heavy operations and manufacturers. This is sometimes also known as primary manufacturing. If logs are being processed, it probably belongs in this category.

Examples of who we protect:

Hardwood or Softwood Sawmills
Pallet Manufacturing
Veneer Manufacturer
Barrel Manufacturing (Cooperage)
Plywood Manufacturing
Log Home Manufacturer
Portable Sawmills

Notable Hazards:

Combustible wood dust can explode under pressure without specialized filtration and collection systems
Poor housekeeping without a regular maintenance plan can lead to the buildup of hazardous sawdust
Hot work maintenance (welding, cutting and grinding) can allow unattended sparks to grow into a full blaze
Electrical system deficiencies along with wood dust adds to chance of fire
Stock and materials stacked too high or close to buildings can cause further losses or injuries

Standing Timber and Logging Operations

Logging operations and timber harvesting are important to the wood industry, but unfortunately not currently part of the PLM appetite.

Continue along the map to find other segments of the wood niche that PLM protects!

About Pennsylvania Lumbermens Mutual

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Welcome to Woodbury

Covered

Not Covered