Growing timber is a huge investment of money, time, labor, and maintenance.

Unfortunately, traditional insurance policies available to cover your timberlands are expensive and inadequate.

How can you insure your standing timber without breaking the bank?

Durham and Bates brings you a new version of Standing Timber Insurance. Our policy is one that actually pencils out. Plus, it transfers the catastrophic risks associated with timberland ownership — like fire and wind — away from you. This exclusive program provides a competitive alternative to the historically pricey standing timber insurance marketplace.

You will rest easier knowing your trees are protected.

Standing Timber Insurance

By Durham and Bates
Durham and Bates has been a part of the timber management and wood products operating community for over 100 years. We believe risk management is too important to be reduced to a commodity transaction – which is why building honest relationships is an integral part of how we do business.
Because of our strong partnership with London Underwriters, we are now exclusive managers of the “Durham and Bates Forestry Facility” – with pricing, deductibles, and coverage much more attractive than the traditional standing timber insurance marketplace. We’re pleased to offer a competitive standing timber insurance product that fits today’s integrated forest management operations.

To learn more, email
or give us a call at (503) 224 – 5170
Are your trees protected?
Underwriting Criteria

Information we’ll need to obtain quotes (Underwriting requests are fully confidential):

  • A full valuation of the clients timberlands
    • Pre-Merchantable vs. Merchantable
  • A ground-up loss record for the client for the past ten years
    • Causation
    • Frequency
    • Size
  • Fire Protection Characteristics & Forest Management Plan
  • Longitude and Latitude & Map of the locations if available

Program Coverage Details

Coverage and policy structure options:

FLEXA Coverage:

(Fire, Lightening, Explosion, Aircraft)

    • Negotiable terms and conditions for Pre-Merchantable Assets, Salvage and 72 Hour Clause

    FLEXA Limits:

    • Current clients between $5 Million and $50 Million on a single loss limit basis
    • Optional Sub-Limits for:
      • Wind, Ice, Snow
      • Fire Fighting, Replanting Costs, Claims Preparation, Debris Removal


    • Structures vary with retentions beginning at $50,000 up to $250,000 depending on limit and structure (per occurrence, annual aggregate)


    • Competitive Rates (subject to values at risk/underwriting)
    • Sub-limit options available for additional premium



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