FMIC Magazine: 4th Qtr. 2023

INSIDE OUR 4TH QUARTER 2023 EDITION:

AGENCY CORNER - RISK ASSESSMENT - TRUCKING SPOTLIGHT - SAW SHOP

LOGGER OF THE YEAR - LEGAL BRIEF - ASSOCIATION NEWS

BRANCHING OUT

BEYOND THE FOREST LIMITS!

LEADING FROM THE FRONT

Dear Forestry Mutual Policyholders and Friends,

Ronald Reagan once said, "We must act today in order to preserve tomorrow." For over fifty years, Forestry Mutual Insurance has upheld this principle with a steadfast commitment to fiscal responsibility. We're proud to announce our continued strong financial position, underscored by our AM Best (A-) rating – a testament to being stronger now than ever before.

Our success has been built on collaboration with our agents, policyholders, and regional associations. While we've evolved since our inception, our dedication to serving our policyholders remains unwavering. Like the act of planting trees for future generations, our foundation of trust and respect has positioned us as leaders in insuring the wood products industry.

To our loyal policyholders, we thank you for your continued trust in Forestry Mutual. Unlike many competitors, we prioritize individual relationships over numbers. We serve our policyholders, not stockholders. To those who have been policyholders with us in the past, we warmly welcome the prospect of you rejoining the Mutual family. And to future clients, we invite you to experience the cost savings, world-class loss control, and personal customer service that is synonymous with being a part of Forestry Mutual.

If you ever find yourself with questions about your policy or are considering other options, please reach out to your agent. Together, we will always strive to find the best solutions and services tailored for you.

In the spirit of partnership and trust,

Bill Dine, President/CEO Forestry Mutual Insurance Company

P.S. Remember, just as a forest grows stronger over time, so does our commitment to each of you. Thank you for being a part of our journey and allowing us to be a part of yours.

AM Best Once Again Affirms A- (Excellent) Rating of Forestry Mutual Insurance Company

Raleigh, September 8, 2023 Today, Forestry Mutual Insurance Company (FMIC) announced that AM Best has affirmed its Financial Strength Rating (FSR) of A- (Excellent) and its Issuer Credit Rating (ICR) of A- (Excellent) both with a stable outlook.

At FMIC, we take immense pride in our legacy of financial excellence, a testament to our steadfast approach to business. Our commitment and dedication are not just reflected in our work but are also endorsed by reputable bodies. "FMIC's continued financial excellence is exemplified by our business approach, and we are honored by the ongoing recognition from AM Best," shares Bill Dine, President and CEO.

FMIC’s devotion to the wood products industry is unwavering. We stand by loggers, mills, and every enterprise we cover, underscoring our commitment to their prosperity and success. "The resilience and strength of FMIC lie in its people. Every member of our team lives our mission every day," Bill Dine emphasizes. "We are not just offering insurance; we are providing assurance, confidence, and added value to all our policyholders."

At FMIC, we believe that our duty extends beyond mere transactions. It's about forging long-lasting relationships, understanding the needs of our clientele, and delivering on our promises. Thank you for placing your trust in FMIC.

The affirmed ratings reflect the sustained improvement in FMIC's balance sheet strength, which is supported by riskadjusted capitalization at the strongest level, as measured by Best's Capital Adequacy Ratio (BCAR). The improved assessment is the result of several factors: strong policyholder surplus growth over the past five-year period; solid liquidity metrics; favorable loss reserving trends; and the maintaining of a solid reinsurance program with a manageable retention. Further, surplus growth, coupled with a lower premium base, has led to declining underwriting leverage measures. AM Best expects that FMIC's operating profitability will continue to increase the company's surplus base prospectively

The ratings also reflect FMIC's adequate operating performance, which is supported by disciplined underwriting practices and a conservative investment strategy. The limited business profile reflects the company's position as a monoline workers' compensation writer for the logging and forestry industries, which exposes it to risks associated with the timber industry, such as changes in demand for wood products. AM Best considers the company's ERM framework and risk management capabilities to be appropriate for its risk profile. FMIC is recognized for its aggressive safety and loss control processes, along with a commitment to long-term stability for its members.

About Forestry Mutual Insurance Company.

Forestry Mutual Insurance Company has been a trusted leader in providing insurance coverage to the wood products industry for over fifty years. Founded in 1971, Forestry Mutual has been dedicated to serving the insurance needs of businesses involved in logging, sawmills, pulp and paper mills, and related industries. Visit www.forestrymutual.com to learn more.

Contact: William Dine

President/CEO

Forestry Mutual Insurance Company

bdine@forestrymutual.com

800-849- 7788

Proper Hand Placement

"How would your life be affected if you lost a finger"?

Trying to use any tool effectively would be an obstacle. What if you lost a hand or both hands? I know a close friend who lost a hand while operating a gangsaw. He was a very skilled man and, for the most part, very safe working around machinery. But while trying to remove a piece of wood debris from the in-feed side of a gang saw, his hand got caught on the wood debris and was pulled into the blades. If only he had turned off the power (machinery lockout) before trying to remove the piece of wood, he would still have his hand today.

Accidents do not just happen; they are caused by not paying attention and not thinking of what can go wrong before it goes wrong. I am sure you can think of instances in your own life where you or somebody you know was injured for these simple reasons. You may think that losing a hand, finger, or thumb would never happen to you. But how many times a day do you do something that could result in an accident for yourself or those around you? Someone somewhere suffers an injury every minute, every hour, every day, every week.

The sawmill, logging, and other wood manufacturing industries are especially prone to hand injuries. There are rough materials to handle, objects to be stacked, tools to be utilized, and equipment to be operated. All pose potential risks of a hand injury. To come up with a list of how to protect your hands in each & and every situation would be impossible. The list would never end. Advancement in machinery/equipment technology without proper training provides additional opportunities for employees to injure their hands.

People usually approach the task "at hand" in one of two ways: they either don't think of safety procedures before starting a task, or they think that they "won't or "can't" hurt themselves. Do the smart thing; before you begin a project, pick up a tool, start a piece of equipment/machinery, and think about an accident that CAN and WILL happen unless you think it

By Jim McCraney – Region 6 Field Representative through.

Try applying the following "WHAT IF" criteria before you begin your next workplace task:

What if...the knife slips while I strip this wire?

- will I cut myself?

What if...the screwdriver slips off this screw?

- will I puncture my hand?

What if...I take off the guard before locking out machinery?

- could I lose a finger/hand?

What if...I wear cotton gloves instead of leather?

- could my hands get grabbed more easily.

What if...I don't wait for internal machine parts to coast down?

- could I lose both hands?

What if…I get complacent while working around machinery?

- could I lose my hand or fingers?

What if…I let a workplace distraction take my mind off the job?

- could I lose my life?

"All of these examples have occurred and resulted in lacerations, amputations, and death."

Keep your mind on safety --- protect your hands and fingers. Think the job through before starting. Doing the job a thousand times encourages compliance and puts you at risk of injury. Make yourself and others knowledgeable of equipment, machinery, and tools that create potential hand hazards. Be the person that encourages safety, looks for workplace hazards, and makes sure they are corrected. You came to work with two hands ready to get the job done – protect them throughout the day and return them home safely.

Hands depend on you.

AM BEST upgraded our insurance ranking in 2022 to the A- Excellent rating. Forestry Mutual now offers our outstanding insurance programs and phenomenal customer service to a new list of companies like never before. If you have any below-listed services or know of someone who does, keep Forestry Mutual in mind and get your quote today. Together we can make a difference.

LOGGING OPERATIONS:

- Log Hauling

- Non-Mechanized Logging

- Mechanized Logging

- Excavating

- Stump Removal Operations

- Grading (Forestry Roads)

- Right of Way Clearing

- Chipping Operations

SAWMILL, PALLET, LUMBER MILLS:

- Sawmill Operations

- Permanent & Portable

- Planing Operations

- Pallet Manufacturing

- Mulch & Grinding Operations

- Barrel Manufacturing

- Log Home Manufacturing

- Plywood Manufacturing

- Veneer Mills

- Dry Kiln Operations

- Resaw Operations

- Box & Crate Manufacturing

- Truss Manufacturing

- Wood Flooring Manufacturing

WOOD RELATED OPERATIONS:

- Cabinet Manufacturing

- Wood Furniture Manufacturing

- Furniture Stock Manufacturing

- Furniture Frame Shops

- Furniture Assembly Operations

- Wood Turning Operations

- Carpentry Shops

- Church Pew & Altar Manufacturing

- Moulding & Millwork

- Wooden Door Manufacturing

- Casket Manufacturing

- Wood Component Operations

To learn more about the added lines of insurance service Forestry Mutual can offer.

Visit www.forestrymutual.com

Call 866-755-0034 to have an agent reach out to you today!

Email us at info@forestrymutual.com to set up an appointment.

By Philip Sligh

Truck Driver Spotlight

By Philip Sligh Region 20 Field Representative

FMIC is pleased to highlight the accomplishments of our policyholder, Gaston Logging, LLC, which is in Union, SC. Mr. Jack Gaston, the owner, has been with Forestry Mutual since 2010. Gaston Logging was also our 2018 P.K. Pittman Award winner for South Carolina.

Gaston Logging, LLC is an exceptional crew with no in-woods or over-the-road accidents since they have had insurance with FMIC. Mr. Gaston stated that he is very happy with his truck drivers and views himself as fortunate to have such good ones hauling for his crew. Mr. Gaston never worries about how his drivers may conduct themselves at the mill or on the road because he has some very respectful drivers. One of the good ones is Mr. Adlai Durham.

The first thing one notices about Mr. Adlai Durham is that he wears a prosthetic arm (Hook) on his right side. While working with his family, Mr. Durham lost his arm below the elbow in a logging accident several years ago. A tree crushed his arm, causing the doctor to amputate from his elbow down because all the bones were crushed in his forearm and hand. This injury did not slow Mr. Durham down. Mr. Durham has been driving a truck since 1991 but has also worked in the woods and can run every piece of machinery on the job. Mr. Durham ("Hook"), his CB handle, awakes every working day around 4:30 and starts his day. Mr. Durham stated that he drinks 64 oz of coffee each day. He drinks 32 oz before leaving his home and the other 32 oz during the workday. Around 6:15, the crew meets at the job site to get the day started.

Hook is a big fan of the dash cameras used on his truck as he says, "They don't lie."

At lunchtime, the whole crew gathers around a picnic table that goes to every site the crew moves to. They may not sit long at the table, but it gives the crew a sense of togetherness, if only briefly. After lunch, the crew returns to work, and Mr. Durham returns to hauling.

Sometimes, while the truck is being loaded, Mr. Durham likes to get out and take walks down the highway or whatever path may be deemed safe, but never in the woods around working equipment. He says those walks allow him time to clear his head and

give blood flow to the rest of his body after sitting in that truck for an extended period.

Mr. Durham is not the only truck driver in his family. He has two brothers who also drive. Mr. Durham states that he has seen a lot of changes in being on the road for years. Saying courteous drivers are few and far between anymore, and everyone is in a hurry to get somewhere. He says cell phone usage prevents people from paying attention and that a truck driver must be on his top game when driving. Mr. Durham also states that not all technology is bad, as he is a big fan of the dash cameras used on his truck as he says, "They don't lie."

When Mr. Durham is not driving, he enjoys spending time with his wife and watching westerns on TV. He and his wife have two children. Mr. Durham says he and his wife just returned from Boston, Mass., to visit the historic city. I asked how his flight was, and he responded, "What flight? We drove." Of course, they drove. I should not have expected anything less from a professional driver.

Mr. Durham (aka Hook) keeps a bag of Jolly Ranchers in his truck, and he saves all the blue ones for Mr. Jack's granddaughters because he knows they are their favorite. Those granddaughters look forward to seeing Mr. Durham pull in to fuel up. They come running out to see him and get their long-awaited Blue Jolly Ranchers. Mr. Durham loves his family, loves his job, and loves to work, but most of all, he loves God.

From all of us at Forestry Mutual, we want to let Mr. Durham know that we really appreciate his professionalism and expertise behind the wheel.

Soon after graduating High School in 1989, Darrek Copeland started work as a saw hand for Lenard Ledbetter. He earned $5.00/hr. at a time when the minimum wage in Tennessee was just $3.80/hr. Darrek tried a few other jobs but just couldn’t find anything that scratched the itch that running a saw gave him, so he headed back to the woods. In August of 1990, Darrek married Tammie Ledbetter, Lenard’s niece. Darrek and Tammie’s Father, Glenn Ledbetter started C&L Logging in 1995 with just a few saws, a tractor with loading forks, and a Cat 518 Skidder. Over the last 28 years, C&L has grown into two fully mechanized hardwood logging crews. Safety on the job is foremost at C&L and it is evident with $0.00 in claims filed since working with Forestry Mutual in 2009.

Just a few years after starting his logging company Darrek felt the Lord was calling him to also pastor a church. Darrek has pastored 3 churches over the last 25 years, he is currently the Pastor at Livingston 1st Freewill Baptist Church. Of the 2 roles, Darrek feels that serving the Lord is where his heart fully is, but logging has complemented his bi-vocational ministry well. The flexibility it has given him over the years has made serving in both capacities possible. He was quick to point out that none of this would be possible without the incredible support he receives from Tammie. She serves both at the church in addition to the administrative role at the logging company which has turned into a full-time job.

Darrek and Tammie have 2 boys, Kade who drives a log truck for C&L, and Judd who is studying Business Information Technology at Tennessee Tech. Mr. Ledbetter sold his portion of C&L to Derek in 2015 but maintains a presence around the shop from time to time just to make sure things are done correctly. When asked how he can keep everything in order through the ups and downs of logging and pastoring, Darrek recited Isaiah 26:3 “Thou wilt keep him in perfect peace, whose mind is stayed on thee: because he "trusteth in thee.” When asked what that meant to him Darrek said, “Trust in the Lord… in EVERYTHING.”

Jeremy Helton, Region 30 Representative, presents Darrek Copeland the E.K. Pittman Safety Award for the 2022 Logger of the Year Award.

It is with great pleasure that Forestry Mutual Insurance Company announces the Annual Forestry Mutual E. K. Pittman Safety Award for the 2022 Logger of the Year. This prestigious award is named in honor of the first Chairman of the Board of Trustees of Forestry Mutual and is presented to those companies that are chosen by the President and staff of Forestry Mutual based on their safety record and continued emphasis on safety in the workplace. Mr. Pittman served from 1971 to 1984 and was a strong proponent of Education, Safety Training, and the use of Personal Protective Equipment. This Safety Award recognizes businesses that show a genuine concern for the safety of their workers by going beyond the minimum safety requirements to ensure a safe and productive workplace.

This year’s award recipients for this honor are Mr. Jeremy Williams and Mr. Randall Williford of Make It Happen Logging, LLC out of Swainsboro, Georgia. The company has been a Forestry Mutual policyholder since 2017, and through hard work and safety mindfulness for the past six years, they have never had to file a lost-time claim.

The company is owned and operated by both Mr. Randall Williford and Mr. Jeremy Williams. Together they have three crews, with approximately ten employees in the woods, and have a trucking operation running under the name of R & D Williford Trucking, LLC with thirteen drivers.

Mr. Randal Williford and Mr. Jeremy Williams are both first-generation Loggers. Mr. Williford started in the logging industry approximately 30 years ago with a single crew and Mr. Williams started in the logging industry approximately 20 years ago when he left the construction field and went to work for Mr. Williford as a Skidder Operator.

Both recipients are proud to say that approximately ninety percent of their employees have been with them since they started the business together back in 2014. Both Mr. Williford and Mr. Williams have numerous family members working with them and are supported by their wives Mrs. Diane Williford, married for 43 years, and Mrs. Dana Williams, daughter of Mr. Williford, who has been married for 23 years.

Mr. Williams stated that all he wants in life is to have a better life and better opportunities for his family and tries to instill a strong work ethic in his family and his employees.

In addition to logging, Mr. Williams owns and operates the Swainsboro Raceway in Swainsboro, GA, and Mr. Williford is a Foster Parent.

Forestry Mutual is very honored and proud to serve Make It Happen Logging, LLC as a policyholder. Their achievements in appreciating quality and safety and in creating and maintaining a safe working environment make them and their company great role models for the industry.

TENNESSEE Tennessee Forestry Association

BRANCHING OUT IN TENNESSEE….

Candace Dinwiddie Executive Director, Tennessee Forestry Association

Several months ago, the Tennessee Forestry Association (TFA) established a 501c3 Non-Profit Foundation.

The Tennessee Forestry Foundation enables wood interests in Tennessee to develop new, exciting programs to promote conservation, workforce development and educational outreach throughout our state.

Thanks to the dynamic support from Forestry Mutual, our Tennessee forestry roots are expanding into educational programs in partnership with the TN Department of Agriculture, the TN Dept. of Education, and the TN Board of Regents to ensure skilled workers will be available for the future. Tennessee forestry roots are growing through grants supporting healthy white oak management for manufacturing future barrels, flooring, furniture, etc. The Tennessee Forestry Foundation is also leading the way to provide social media outreach to encourage trained truck drivers, lumber graders, our youth, especially from our economically stressed counties, to consider working in our Tennessee wood industry.

During the recent Tennessee Forestry Association convention in Franklin, TN, Forestry Mutual generously donated a Pit Boss Pro Series wood pellet grill for a highly successful raffle to support the Tennessee Forestry Foundation. The raffle raised almost $3,000.00 for the Foundation and the

winner was FMIC client Jeff Drake, who owns Jeff Drake Sawmill in Brownsville.

Jeff is a truly respected mill owner and logging contractor, and Foundation supporters are so glad he won the grill. Just another way that the Forestry Mutual and the TFA partnership is growing roots in our state while branching out to promote sound forestry, safe practices in the woods and on the roads and a very positive outlook for the future.

In Tennessee we are known for hard work, strong work ethic and a volunteer spirit. Forestry Mutual truly lives up to our Tennessee standard by supporting the Tennessee Forestry Association and our Tennessee Forestry Foundation.

JEFF DRAKE, OWNER OF JEFF DRAKE SAWMILL, PROUDLY STANDS NEXT TO HIS GRILL.

SAW SHOP

WHY WE TRAIN

"Why do I need to know this?"

That was the question I remember asking while I was in school. Many subjects we studied did not seem relevant to everyday life, at least while in school. After graduating and entering the workforce, (and life in general), I realized there was a lot more information I wished I had listened to. Sometimes that same question is asked on the job. "Why are we here?" "Why do I need training?" These questions may not be asked verbally, but the look on some employees' faces tells all. So, let's talk a little about why we train.

The Importance of Training

Why is it important to train? Training gives employees the knowledge to do the tasks they are given. Before we are given a driver's license, we must complete a training course and demonstrate our ability to drive. It would be a scary thought if a teenager was given the authority to drive on the road but had never driven a vehicle before, although I do wonder about some drivers. New employees may begin with little knowledge of the tasks they will be given.

Training will give them that knowledge and prepare them for the task. Seasoned employees can benefit from refresher training to help keep them focused and not become complacent. It also helps to identify and correct bad habits.

Sometimes we just need a little reminder

Training also gives the employee the tools needed when faced with opposition. Take our great Military, for example, they train continuously. They prepare for

By Greg Helton, Chainsaw & Logging Safety Trainer

every possible scenario so that when they are called to action, they know exactly what to do. They practice over and over until it becomes muscle memory. By training our employees, we are preparing them to face the most common issues that they may face with a particular task. Although it is very difficult to prepare them for every opposition they may see, with proper training, they will be able to safely mitigate the hazard with what tools they have been given.

What Does OSHA Say About Training?

Not only is training important, but it is also required. The 1910.266 Standard on Logging has a complete section dealing with training. OSHA's training standard for all industries can be summed up this way:

• Each employee must be trained in the tasks, situations, and tools they will use on the job.

• This training must be provided by a qualified person in a manner (e.g., language and vocabulary) the employee best understands.

• Training must be performed as often as required for safe operations.

• Training must be documented and stored for a period of time.

Anytime an employee is introduced to a new task or equipment, they should receive training. If there has been an unsafe performance, they should receive training. Training should be conducted as soon as possible and by a qualified person. One very important

requirement is that the training be documented and stored. In the event of an accident, OSHA will request documentation that shows that employees had been properly trained to perform their duties.

The Moral and Ethical Responsibilities of the Employer

It is the duty of the employer to conform to the accepted standards of conduct when it comes to training.

It is required by OSHA that employees are to be properly trained. Employers have an ethical duty to ensure that each employee has been given the training they need to safely perform their job.

Employers also have a moral responsibility to train their employees, it is the right thing to do.

Employers should desire that each employee makes it home to their family at the end of the day. Proper training can help ensure that happens.

The Moral and Ethical Responsibilities of the Employee

While the employer has a moral and ethical responsibility to provide employees with the appropriate training, employees also have responsibilities. It is the employee's responsibility to help the company succeed. Participating in training and learning ways to better their job will help keep them safer and help the company succeed. We shouldn't become narrow-minded to think, "I am only here to make money!" That is a large part of it, but if we are not willing to help the company succeed, there won't be a company to pay us.

The other responsibility an employee has is to the ones waiting on them at home. I remember a logger telling the group during training, "I have little ones at home that depend on me. If I refuse to wear my PPE and do things safely, I am being selfish." He realized the moral and ethical responsibilities that he had to his family.

The Impact of Training

During a group training a few weeks ago, I came across a gentleman who had received training from a guy who had received training from my dad, Dennis Helton, several years ago. It made me think about how many people have been impacted by the chainsaw training that has been done. Bryan Wagner has trained for Forestry Mutual since 1996. Over the years, he had the opportunity to be in front of hundreds of employees. Since I started training in 2008, I can't count the number of employees I have worked with.

Shawn Fulks has just started training in the last few years and has already trained many employees. We may never know the entire impact that the four of us have had by providing training. However, the number of claims may be an indicator of the impact. For example, the reported claims data shows a 70% reduction in claims in certain cause codes in the first five years of starting the Logger Training Program. That's a great impact!

Although the numbers are great to look at, the best way I see the impact of training is from the trainee's response. It is very satisfying to have someone come up after training, and thank you for showing them a safer way to do their job. When they really get it and see the benefit of the training they were given, that makes it worth all the effort. The goal of education is understanding; the goal of training is performance. So, let's continue to train with the intent to make an impact!

GREG HELTON AND SHAWN FULKS, VA-OSHA TRAINING IN VIRGINIA

JUSTIN GUYER VISITS PRUITT LOGGING IN MISSISSIPPI

TRAINING AT SHAVER WOOD PRODUCTS IN NORTH CAROLINA

Navigating the Future

By Mitchell Brown Director, FMIC Agency

Being well-prepared is crucial for success in a constantly changing environment in the forestry industry. As we approach 2024, it's more important than ever to have a strong strategy in place to manage risks effectively. This strategy involves using technology, seeking expert advice, and staying updated on industry trends. Here's how business owners can strengthen their operations and secure their future:

Embracing Technological Solutions

Cameras and Monitoring Systems: Cameras and monitoring systems can significantly improve safety and efficiency. These technologies allow real-time tracking of equipment and personnel, ensure safe driving speeds are followed, and provide valuable data for analysis. There are many reasons carriers are installing cameras. Still, the biggest one is that it gives carriers a better chance to avoid liability in the case of an accident.

Developing Safety Protocols with Loss Control Teams

Collaboration with Risk Advisors and Loss Control Teams:

Working closely with risk advisors and loss control teams is essential. These experts have specialized knowledge about the industry and can identify potential risks and ways to prevent them. Collaborating with them can result in a comprehensive approach that combines technology, training, and compliance with regulations. Regular audits, inspections, and ongoing communication with these teams keep safety plans effective and aligned with the company's changing needs.

Staying Abreast of Insurance Market Pricing Trends

Working with Risk Advisors: Insurance is a crucial part of risk management. Staying informed about market pricing trends is vital. Working with a risk advisor who understands the logging and forestry industry can provide insights into

current market conditions, predict future trends, and help negotiate favorable insurance terms. This collaboration ensures that insurance coverage is costeffective and tailored to the specific risks and opportunities of the industry.

Comprehensive Risk Management Strategies

Investing in Continuous Training:

Continuous training ensures employees are welltrained in safety procedures, equipment operation, and industry best practices. This not only reduces accidents but also improves overall efficiency and productivity.

Environmental Compliance and Sustainability:

Due to increased environmental scrutiny, it's vital to stay ahead of regulations, adopt sustainable practices, and show a commitment to environmental responsibility. This can help mitigate regulatory risks and enhance the company's reputation.

Supply Chain Management:

A resilient supply chain is crucial in an industry where delays can be costly. Using technology to monitor and manage the supply chain and building solid relationships with suppliers can prevent unexpected disruptions and associated costs.

The path to success for business owners in the wood products industry in 2024 is filled with opportunities and challenges. Business owners can develop a well-rounded risk management strategy by utilizing technologies like cameras, collaborating with risk advisors and loss control teams, and staying informed about insurance market trends.

By adopting a multifaceted approach that combines technology, expertise, and market awareness, business owners can not only reduce their overall risk costs but also position themselves to thrive in the complex and evolving landscape of the industry. The time to take action is now, and the journey to success in 2024 begins with preparation today.

THE IMPACT OF MARIJUANA LEGALIZATION IN THE WORKPLACE

Laws governing the recreational and medical use of marijuana have been rapidly changing at the state level over the last several years. For the states limiting or fully legalizing marijuana even for medicinal purposes, legislators point to an inability to create a state law which will violate federal law.

Federally, marijuana is currently classified as a Schedule I substance by the Controlled Substance Act which is administered by the U.S. Drug Enforcement Administration. This classification declares “high abuse potential with no accepted medical use.” This also places strict limitations on researchers’ access to study marijuana for potential medicinal value and the impact of public health and safety.

How does marijuana use impact the workplace?

In part, answering this question requires putting marijuana use in perspective. To do so, consider these statistics and facts:

• Studies of cannabis have demonstrated effects from using marijuana include sedation, disorientation, impaired judgment, lack of concentration, and slowed motor skills.

• The National Institute on Drug Abuse found 55% more industrial accidents, 85% more injuries, and 75% greater absenteeism among employees who tested positive as compared to employees testing negative.

• Quest Diagnostics reports post-accident drug screens positive for marijuana increased 204.2% between 2012-2022. In 2022, post-accident positive marijuana tests increased to their highest level in 25 years. Of interest, the use of meth amphetamines increased 15.4% from 2021 to 2022.

• CBD Oil may be purchased containing 0.3% THC or less in retail stores and online. John Hopkins conducted a study on CBD products purchased online and in retail stores. The study found 58% of the products contained more THC than advertised on the label.

LEGAL BRIEF

By Stephanie Gay President, Claims Manager, Aegis Administrative Services, Inc.

• An individual can test positive for marijuana when using CBD products containing THC.

The implications for worker safety are clear that impairment can cause accidents, which lead to injury. As a practical matter, the employer should treat recreational marijuana use the same way we treat recreational alcohol use. Impairment should not be tolerated by an employer.

Forestry Mutual is a committed partner with our policyholders to providing a safe workplace for their employees.

We recommend these added policies to enhance the chances of a safe workplace:

• Report claims on the date of injury.

• Conduct a 10 panel post-accident drug testing. Blood tests provide the most accurate results and are preferred by toxicologists over urine samples.

• Contact FMIC Claims Department immediately if a medical provider refuses to perform a drug test.

• Develop an Employee Handbook and Safety Rule Manual. Review and revise the policies annually and have employees sign a confirmation letter indicating they have been provided with a copy of these policies.

• Drug-Free Workplace Programs: many states allow a premium rate reduction for companies that have a certified drug-free workplace program.

• DOT requires drug testing of all CDL drivers for (1) pre-employment, (2) post-accident, (3) random, (4) reasonable suspicion, (5) return-to-duty, and (6) follow-up.

Please do not hesitate to contact loss control representative or adjuster should you have any questions regarding drug testing.

MISSISSIPPI

Mississippi Forestry Association

IS IN FULL-SWING HOSTING EVENT!

Casey Anderson, Mississippi Forestry Association Executive Director

Mississippi Forestry Association (MFA) has had a busy 2023, and that will not change as we enter the 4th quarter of the year.

We recently held the Mid-South Forestry Equipment Show in Starkville, Mississippi. This is the longest running, live, in-woods equipment demonstration in the South, and we hold the show every other year along with our show partners, Mississippi State University and Mississippi Loggers Association. With over 70 exhibitors, continuing education classes, food trucks, competitions, and a children’s area, it is always a fun weekend! We appreciate Forestry Mutual Insurance serving as a sponsor for this year’s show and attending as an exhibitor! It is certainly beneficial for our members and others in the industry to see the commitment Forestry Mutual has to forestry and logging.

Speaking of Forestry Mutual sponsorships, MFA is also preparing for our upcoming Annual Meeting that is being held in Flowood, Mississippi, on October 25-27. Each year, Forestry Mutual serves as the Title Sponsor for this event that draws over 500 attendees. We offer continuing education credits, informative speakers, networking, and a good time at our Annual Meeting!

Forestry plays a vital role in Mississippi’s economy and provides over 62,000 jobs to Mississippians. Events such as the Mid-South Forestry Equipment Show and

our Annual Meeting allow us to build stronger industry connections and further our message that forestry and sustainability are important. We welcome you to attend any of our upcoming events and would love to have you as a member of MFA! Visit msforestry.net for more information.

MISSISSIPPI

Mississippi Lumber Manufacturers Association

BRANCHING OUT AND CULTIVATING FRIENDSHIPS

The Mississippi Lumber Manufacturers Association was founded in 1954 for pine manufacturers in Mississippi. MLMA moved to encompass hardwood manufacturers in 1978, representing all lumber producing areas in the state. Members of MLMA provide jobs and forest products used worldwide, generating a major economic impact. The mission of the association is to promote the lumber industry and ensure its sustainability for generations to come. Taking care of Mississippi's most renewable resource is part of MLMA’s history!

The backbone of the organization is comprised of 26 Mississippi Mill Members. Among them are many multi-generational family-owned sawmills, each with a rich history of unwavering support for MLMA. Not only are these members community leaders, but they also stand as industry pioneers, making them a valuable source of knowledge and experience for future lumber leaders.

In 2023, MLMA achieved remarkable milestones, showcasing its dedication to promoting partnerships and advancing lumber manufacturing.

One of this year’s most significant accomplishments for MLMA was hosting its largest convention and trade show to date in Biloxi, MS. This landmark event brought together over 800 attendees and 70 exhibitors, creating an unparalleled platform for

networking and collaboration within the forest products sector. This gathering allowed industry leaders, manufacturers, suppliers, and enthusiasts to meet, exchange ideas, and explore the latest innovations.

The convention and trade show emphasized MLMA's theme of branching out and cultivating friendships in the field. By providing a space for professionals to connect, the association facilitated new collaborations and strengthened existing ones. These relationships are crucial in driving innovation, sustainability, and growth in the lumber business, ensuring its continued success.

MLMA’s commitment to promoting partnerships and driving growth in lumber manufacturing encourages a bright and prosperous future for our nation’s forest products industry.

Ellery Jones, Executive Director, MLMA, MS Lumber Manufactures Assoc.

SCOTT WESBERRY WITH NETTERVILLE LUMBER COMPANY, TIM THORNBURGH WITH COOPER TIMBERLANDS CORP, AND TYLER WALLEY WITH RUTLAND LUMBER CO. ALL ENJOY CATCHING UP AT THE MLMA TRADE SHOW.

MLMA MEMBERS FROM ALL STAR FOREST PRODUCTS ATTEND RECEPTION SPONSORSHIP BY FORESTRY MUTUAL INSURANCE. PICTURE LEFT TO RIGHT: MARK HOFFMAN, BRECCA HOFFMAN, BILL PRICE, CHARLIE BARNES, SARAH PRICE AND PATRICK PRICE.

MLMA BOARD MEMBERS TOMMY STANSELL WITH VICKSBURG FOREST PRODUCT, TODD NODINE WITH HOOD INDUSTRIES, AND CHAD JOURDAN WITH UFP INDUSTRIES ATTEND THE PAST PRESIDENTS DINNER AT THE BEAU RIVAGE.

NORTH CAROLINA

Carolina Loggers Association

NC Forestry Association

NAVIGATING ECONOMIC TURBULENCE WITH TRAINING

Jonzi Guill, CLA Executive Director

Carolina

Loggers

Association

Mike Powell, NCFA

Director of Forestry Programs

North Carolina Forestry Association

Amanda Murphy, NCFA

Director of Communications

North Carolina Forestry Association

In response to the recent challenges facing the forest products industry, specifically our logging force, the North Carolina Forestry Association (NCFA) and Carolina Loggers Association (CLA) have collaborated with Dr. Joseph Conrad and Dr. Chad Boulding, at the Warnell School of Forestry Resources at the University of Georgia to host this crucial workshop. The goal of these free trainings are to help loggers gain a better cost analysis of their individual businesses in order to be successful in this tight market.

This course covers both principle and applications of logging cost analysis techniques from the perspective of logging business owners, accountants, and managers. Attendees participate in hands-on training, including spreadsheet models that allow them to make modifications necessary to assess and simulate a range of harvesting systems, techniques, and equipment mix variations. Attendees can use this knowledge to compare their logging operation to the open market.

When fuel costs started rising in early 2022, the CLA held several town hall meetings across North Carolina in the spring and summer of 2022 with engagement from the community. Feedback received at these meetings made it clear that loggers’ profitability was suffering due to increased inflation and market disruption. These initial workshops would not have been possible without collaboration and the financial support of members from both organizations.

After a strong turnout for both inaugural workshops, 37 attendees in Greenville, NC, and 22 attendees in Statesville, NC, the NCFA and CLA have worked to make this offering a yearly event.

The next workshop is scheduled for October 20, 2023 in Pembroke, NC. Logging business owners, accountants/bookkeepers, mill representatives, and foresters are encouraged to attend.

Register here.

– CLA and the NCFA

Now more than ever, as a collective we need to sharpen our pencils to successfully navigate the economic turbulence.

OUR MISSION

To provide the forestry community with high-quality insurance that emphasizes safety, excellent customer service, and competitive pricing while advocating for our forest resources’ sound use and management.

CUSTOMER SERVICE DRIVEN

GENERAL INDUSTRY LOGGING INDUSTRY

Truck Driver Safety Awareness Training

Classroom and/or on-site instruction

Company Safety Program & Written Procedures

New Employee Training Guide

Safety Policy & Rules

Forklift Safety Training

Lockout/Tagout Training

On-Site Safety Meetings

Supervisors Safety Training

Mock OSHA Inspections

Annual OSHA Required Training

Safety Policy and Rules

Lockout/Tagout Training

Logger Safety Workshops

Logging Equipment Familiarization

Storm Damage & Salvage Training

On-site Chainsaw Training

Overhead Hazards Training

Safety Alerts Weekly Text

FMIC Quarterly News Magazine

Safety Meeting Sheets (Quarterly)

ACCIDENT INVESTIGATION

CLAIMS ANALYSIS AND REVIEW

WHOLESALE PRICED SAFETY EQUIPMENT SAFETY TRAINING MATERIAL AND SAFETY VIDEOS 4 3 2 1 5 ANNUAL/QUARTERLY ON-SITE SAFETY INSPECTIONS

Safety Meetings On-Site

Slip, Trips & Falls Training

Supervisor Safety Training

Fire Prevention (T.E.A.M.)

Forestry Mutual is more than an insurance company. We offer safety training and safety programs tailored to meet your specific needs. Our experienced loss control staff delivers your customized program in a hands-on personal approach to keep you and your employees safe and promote open discussion.

FOR MORE INFORMATION ON FORESTRY MUTUAL INSURANCE

WWW.FORESTRYMUTUAL.COM