FMIC FORESTRY MUTUAL INSURANCE COMPANY
1ST QTR. 2024
INSIDE OUR 1ST QUARTER 2024 EDITION:
PARTNERSHIPS IN FORESTRY - RISK ASSESSMENT - FMCSA RULE - SAW SHOP
ON THE ROAD OF EXPERIENCE, EVERY MILE TELLS A STORY TRUCKING SPOTLIGHT: DAVID BOLLINGER
1st Quarter 2024
CONTENTS
Letter from President and CEO Bill Dine 2023 Reflections & 2024 Outlook: How Forestry Mutual navigated challenges and cultivated growth in the our industry.
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FMCSA - Clearinghouse: Are you in compliance yet?
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FMIC SPOTLIGHT - Trucking
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Partnerships in Forestry
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Attention All Truck Drivers who have been issued a CDL Driver’s license.
Greg Helton interviews 2024 Trucking Spotlight, David Bollinger: On the road experience, every mile tells a story. Report from North Carolina Forestry Association.
AM BEST: Press Release
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Once Again AM Best Affirms Credit Rating for Forestry Mutual AM Best Press Release.
SAW SHOP: Product Review Time!
Greg Helton goes cuts right into the wood on battery operated chainsaws.
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ANNUAL REMINDER: 14 Claims Reporting and Drug & Alcohol Screening Requirements.
HOT NEWS: 15 Forestry Mutual expands it's eligible classes of business.
LEGENDS IN FORESTRY - Loss Control
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Partnerships in Forestry
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Partnerships in Forestry
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Forestry Mutual's own Loss Control team is this quarters Legends. We spent a day with Virginia Occupational, Safety & Health as they learn first hand what takes place and the safety concerns on a logging site. Report from Tennessee Forestry Association. Report from Virginia Logging Association.
THE RISK ASSESSMENT Truck Driver & Employee Recognition. 22 David McLean (r) & Greg Plumley, Loss Control Director read the signs on how as an employer to keep quality employees.
Partnerships in Forestry
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Cold Weather Safety Tips
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LOSS CONTROL - Customer Service Driven
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Report from Mississippi Forestry Association. Tips to help you stay warm.
See why Forestry Mutual leads the industry and why you should join the Mutual Team.
Mutual Family 27 Introducing Daegen Shelton, the bright and cheerful young face of the Shelton family that captures the holiday spirit.
ANNUAL REMINDER 27 OSHA Recordkeeping Requirements. 2
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FORESTRY MUTUAL BOARD OF DIRECTORS
CHAIR Michael Walters
TRUCKING SPOTLIGHT DAVID BOLLINGER PAGE
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COLD WEATHER SAFETY TIPS
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Product Review: Battery Chainsaws and Pole Saws
DIRECTORS Tommy Barnes Chip Capps Joel Cathey Randy Denman Candace Dinwiddie Joey Ferguson John Hatcher Mike Macedo Tedrick Ratcliff Bernard Rose Marshall Thompson Matt Thuman FORESTRY MUTUAL INSURANCE COMPANY 801 Jones Franklin Road Suite 100 Raleigh, NC 27606
(800) 849-7788 www.forestrymutual.com
FMIC AGENCY
P.O. Box 19467 Raleigh, NC 27619
(866) 755-0344 www.fmicagency.com FMIC 1ST QUARTER 2024
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WELCOMING 2024: A YEAR OF CONTINUED GROWTH AND OPPORTUNITY
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s we step into 2024, I want to take a moment to reflect on the past year's achievements and express my optimism for the journey ahead. Despite the challenges in the insurance marketplace, including significant rate increases and evolving consumer demands, 2023 was a year of remarkable resilience and progress for us.
REFLECTING ON 2023: STRENGTHENING OUR FOUNDATIONS
In 2023, we navigated through a dynamic landscape, witnessing substantial changes in property and commercial auto insurance premiums. Amidst these shifts, we found growth opportunities in the Workers’ Compensation domain, which saw premium reductions in several regions. This allowed us to expand our business and serve our clients more effectively. Our focus on People, Partnerships, and Diversification proved fruitful. We invested heavily in our team, enhancing their capabilities to deliver superior customer experiences. The introduction of our improved online payment portal is a testament to our commitment to innovation and customer convenience.
Our partnerships flourished in 2023, both within our trade associations and with our agents. These strengthened bonds have been instrumental in expanding our reach and enhancing our service offerings.
LOOKING FORWARD TO 2024: A VISION OF GROWTH AND EXCELLENCE As we embrace 2024, we are excited to build upon our previous year's successes. Our roadmap includes:
Deepening Customer Relationships: Continuing to prioritize customer needs and streamline experiences. Expanding Partnerships: Further engaging with industry partners to explore new opportunities.
Embracing Diversification: Continuously updating our portfolio to meet the evolving needs of our market.
We are poised to make 2024 a year of unparalleled growth and success. I extend my sincerest gratitude to our policyholders and agents for your unwavering support and trust. Your choice to work with Forestry Mutual is immensely valued. Together, let's make 2024 a landmark year filled with achievements and progress. Bill Dine
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ARE YOU IN COMPLIANCE YET? ATTENTION ALL TRUCK DRIVERS WHO HAVE BEEN ISSUED A CDL DRIVER’S LICENSE A few highlights of the rule that goes into effect on November 18, 2024: - Clearinghouse-II Final Rule: CDL Downgrades
As required in the Clearinghouse-II final rule, beginning November 18, 2024, State Driver Licensing Agencies (SDLAs) must query the Clearinghouse before issuing, renewing, upgrading, or transferring CDLs and CLPs, and must review a driver’s information when notified by the Clearinghouse of a status change. SDLAs will be required to remove the CDL or CLP privilege from the driver's license of an individual subject to the CMV driving prohibition, which would result in a downgrade of the license until the driver complies with the return-to-duty (RTD) requirements. Read the second Clearinghouse final rule. Employers with FMCSA Portal accounts: https://clearinghouse.fmcsa.dot.gov
REGISTRATION: CDL DRIVERS: https://clearinghouse.fmcsa.dot.gov
- How do owner-operators meet their Clearinghouse obligations?
An owner-operator (an employer who employs himself or herself as a CDL driver, typically a single-driver operation) is subject to the requirements pertaining to employers as well as those pertaining to drivers. Under the Clearinghouse final rule, an employer who employs himself or herself as a CDL driver must designate a consortium/third-party administrator (C/TPA) to comply with the employer’s Clearinghouse reporting requirements (§ 382.705(b)(6)).
Don’t wait! A year flies by!
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STEERING THROUGH TIME: DAVID BOLLINGER'S LEGENDARY DRIVE By Greg Helton
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his quarter's truck driver spotlight is a unique driver whose character is hard to match. A driver whose interesting life cannot be highlighted completely in one article. We will try to give you the most interesting parts of the life and career of Mr. David Bollinger. David has worked for Presnell Logging, Inc. since 2012. Presnell Logging, Inc., located in Marion, NC, was FMIC’s 2020 Logger of the Year. They have been insured with FMIC since 2008 and continue to keep a 0% Loss Ratio. Before driving for Presnell, David drove for Pack Brothers Logging in Mill Springs, NC for seven years and hauled sod for Bell View Farms for twelve years. All combined, in the 82 years David has been alive, he has driven a truck for 55 years. You read that correctly, 82 years old and still driving. David’s desire to be a truck driver started when he was 8 years old. He wanted to be a truck driver so he could see the world. He has driven a truck in all the lower 48 states of our nation. Before he began driving, David joined the Army in 1958, at 17 years old. David served in the 714th Medium Tank Battalion. While stationed in Germany, David operated the same tank equipment that General Patton used. After 18 months, he was Honorably Discharged. 1965 David rejoined the Army and served with the 101st Airborne Division. There he served another 4 ½ years before being Honorably Discharged again at the rank of Staff Sargent.
David started driving a truck after his first term in the Army. He started out in a 1959 H Model Mack hauling furniture. After his second term, he worked as a land surveyor for a few years but soon returned to driving a truck. His next truck was a 1964 Emeryville and then a 1952 Autocar. Over the years he has driven many F Model Macks, but his favorite so far is the 1987 W-9l Kenworth that he drives for Presnell Logging.
David credits the Lord for his successful driving career. His favorite part about driving a truck is the alone time he uses to talk with the Lord. When asked how he would define success, he remembered what his father told him. “If in your life you could count five true friends, you have had a good life. You have a treasure.” David believes that the best advice for new drivers starting their driving career is to have the right attitude. “Just before you are ready to quit, you are fixing to learn something”. David has been blessed with three children, two daughters, Maria Clark of Richmond, VA, and Melanie Taylor of Glenn Alpine, NC, and a son, Jamie Bollinger of Morganton, NC. He has five grandchildren, four great-grandsons, and two great-granddaughters.
When David is not driving a truck, his passion is music. David plays many different stringed instruments, but his favorite is the fiddle. He primarily plays at church, but occasionally at different jam sessions around the community. He loves to walk in the woods during the Fall when he has the chance. In his words, an artist cannot paint a picture as beautiful as God can in the changing of the leaves.
According to Steve Presnell, he is the best driver he has ever had. “You can’t find drivers like David anymore. He is steady and dependable.” We at Forestry Mutual are delighted to recognize such a wonderful person as Mr. David Bollinger. We wish him many more years of excellent driving and wish we had many more drivers like him.
When asked what his day normally consists of, David said he gets up at 4:30 a.m. every morning. He spends every morning reading two or three chapters from the Bible. He and his wife, Mrs. Beatrice, spend time eating breakfast and talking. He leaves the house at 5:15 a.m. every morning. He said it takes him 25 minutes to get to the woodyard, Parton Lumber at Bridgewater. During the drive, he prays for the safety of the crew and himself for the day. Once he meets the boss, Steve Presnell, they head to the job. Usually, they have a load of logs ready to head to the mill. On a good day, David will haul 3 loads a day. The day usually ends around 3:30 to 4:30 p.m. FMIC 1ST QUARTER 2024
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NORTH CAROLINA
North Carolina Forestry Association
NORTH CAROLINA TOBACCO TRUST SUPPORTS NORTH CAROLINA LOGGERS THE
NCFA Awarded Grant to Expand Business Classes for Loggers
Logging is an integral part of the forest products circular economy; without loggers, landowners are not able to harvest crops from their land, sawmills and pulp and paper mills won’t have inventory to create products, and global consumers are unable to purchase the forest products they rely on in their daily lives. This grant will provide resources through the NCFA’s ProLogger safety certification program to inform North Carolina’s loggers on business practices necessary for success. The ProLogger program promotes three pillars of safety, business, and environmental awareness.
By Mike Powell, Director of Forestry Programs and Amanda Murphy, Director of Communications
The team at the North Carolina Forestry Association (NCFA) through the Forest Education and Conservation Foundation applied for and received a three-year grant from the North Carolina Tobacco Trust Fund Commission (NCTTFC) in late 2023, “From Tobacco to Sustainable Forestry.” The NCTTFC was created to assist current/former tobacco farmers, former quota holders, persons engaged in tobacco-related businesses, individuals displaced from tobacco-related employment, and tobacco product component businesses in NC. The NCTTFC makes grants for economic development in tobacco dependent communities. Read more here: https://tobaccotrustfund.org/.
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The ProLogger program would not be possible without the support of our collaborative partnerships, including instructors from Forestry Mutual Insurance Company, the North Carolina Department of Labor, the North Carolina Forest Service, the North Carolina Department of Agriculture, the North Carolina Highway Patrol (Division of Motor Carriers), and the North Carolina Sustainable Forestry Initiative State Implementation Committee. More information is here: https://www.ncforestry.org/prologger.
PRESS RELEASE Forestry Mutual Insurance Company
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
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SAW SHOP
By Greg Helton, Chainsaw & Logging Safety Trainer
Product Review: Battery Powered Chainsaws and Pole Saws
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s time changes, so does the equipment that we use. Technology has come a long way from the first chainsaws on the market to the saws we run today. We have seen a change from the carbureted saws that we love to tinker with, to the M-Tronic and Auto-Tune carburetors that we can’t adjust with our little screwdrivers. Even now we have seen the introduction of the MS 500i, a fuel-injected chainsaw. We will review that product in another article. With that change has come the development of battery-powered equipment. The market has been flooded with battery-powered chainsaws, pole saws, blowers, weed eaters, and hedge trimmers, to name a few. Several different companies have made their appearance in the battery world. In this issue of The Saw Shop, I would like to review the MSA 300c made by Stihl. I will give my honest opinion of the chainsaw, the pros and cons. Like I said, “my honest opinion”. You may agree or disagree but try it for yourself. I will also talk a little about the battery-powered pole saws.
So, if you asked me six months ago if I would run a battery-powered chainsaw I would have probably laughed at you, which might be what some of you are doing now. My words would have been, “I’m not cutting timber with no battery saw!”. But you know what, crow is not too bad with a little salt on it. I was given the opportunity to try out the new Stihl MSA 300c. It is Stihl's most powerful battery chainsaw. It is comparable to the Stihl MS 271 gas-powered chainsaw. It weighs approximately 14.1 lbs. with the AP 500s battery and has a run time of about 44 minutes.
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Can you guess what the first thing I did with the new saw? That’s right, I put it in some wood. I will have to say, I was very surprised. The little saw fell a 12” red oak with no hesitation, even doing a boring back cut. I felled several small trees with it and continued to limb and buck them. Just as specified, about 45 minutes, and the battery was depleted.
I will start with the “cons”. Now remember, this is my opinion. For a timber cutter felling timber all day, the battery might not be the right fit. Many other gaspowered Stihl chainsaws are better equipped for continuous run time and high production. Even though the MSA 300c has a good bit of power for a battery chainsaw, it lacks when it comes to largerdiameter wood. It wants to struggle a little in the big cuts.
Another concern when it comes to any batterypowered saw is the operators' failure to use the chain brake. Since the chain stops when the trigger is released, many operators do not feel the need to apply the chain brake before removing a hand from the saw. The issue is when the operators return to using a gas-powered saw, they have gotten out of the habit of using the chain brake. This could result in an injury. Now let’s look at some “pros”. One big benefit is the convenience of the battery. There is no need to carry gas. This makes the chainsaw handy for trail work, yard work, trimming on a hunting lease, or even around the log deck. Another location where the chainsaw would be useful would be on the green
chain at the sawmill—any place where the chainsaw is only needed from time to time. With the battery, there is the convenience of no carburetor to get gummed up from bad gas, and no air filter to clog up. There is no worry if the gas is mixed properly. These could be benefits when used by employees who do not perform the maintenance themselves. As long as the battery is charged and bar oil is added, it is ready to run.
A few other concerns that should be mentioned, just because you do not hear a gas motor running, does not mean the dangers are not there. Any chainsaw, either battery or gas-powered, should be operated safely, using all appropriate PPE. Chainsaw cutresistant leg protection should always be worn when operating any chainsaw. The chain is still cutting the same way as a gas-powered saw. I believe sometimes, since the noise of the gas motor running is not there, we feel that it is not as dangerous. We should not let our guard down. Speaking of noise, ear protection should still be worn while operating the battery chainsaw. It is not the sound of the motor running that affects your hearing, it is the sound of the metal on metal from the chain spinning around the guide bar at a high rate of speed. Eye protection should also be worn any time you are operating a chainsaw. Also, make sure to maintain a proper grip on the chainsaw, wrapping the thumb around the handle. A kickback can still occur if the tip of the saw contacts a hard object. One of the other benefits of battery technology is the production of the battery-powered pole saw. During a conversation with Phillip Sligh, South Carolina Field Representative for FMIC, he was telling me how
several of the logging operations in his area have purchased battery-powered pole saws. They like the new pole saws for the convenience of not having to keep fresh gas on the truck. Since they are mechanized, they do not use chainsaws very often. Keeping fresh gas available can be a hassle. With the batterypowered pole saw, they just need to make sure the battery is put on charge in the service truck on the way home. They also like the new pole saws for the weight. When reaching up to trim the loads, less weight is important. There is also the aggravation of trying to start a cold motor that hasn’t been cranked in a while. At the push of a button, you have an active saw. Just remember to wear all appropriate PPE while operating the pole saws. Head, eye, and ear protec-
tion are required.
There you have it, my opinion of battery-powered technology. I believe there are many good places for the new technology. I know it has made some jobs easier such as greasing and mechanicing. It all comes down to what you are doing and what tools you need to do that job. But don’t just take my word for it, try it out yourself and see if it makes the tasks a little easier. And as always, Stay Safe!
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validity of a claim, please get in touch with the claims department immediately.
D. It is imperative that the policyholder immediately notifies the claims department when a claimant returns to work. Also, any change that you feel may affect the claimant’s status, such as termination of employment, knowledge of another job, etc., should be reported immediately. 2. FMIC Operations Manual, Section III, Loss Control Procedures, F, Claims Reporting, 3.b. states:
ANNUAL REMINDER Greg Plumley – Director of Loss Control
Claims Reporting and Drug & Alcohol Screening Requirements The following information assists policyholders in meeting their obligation for properly reporting injuries to Forestry Mutual and explaining when a drug & alcohol screening is required. Policy and procedures can be located in the FMIC Operations Manual Section F Claims Reporting. 1. FMIC Operations Manual, Section III, Loss Control Procedures, F, Claims Reporting, 3. a. states:
All policyholders are required to notify the Mutual of any employee accident, for which a doctor’s visit is needed within 24 hours of the date on which the policyholder or any of its supervisory personnel is first made aware of the injury.
Should the policyholder fail to provide such notice, the Mutual may deny coverage for the unreported claim and may seek reimbursement by the policyholder for any payments made by the Mutual as the result of the unreported claim. A. Call 1-800-849-7788 to report claims promptly or use the appropriate State forms on our website. www.forestrymutual.com Click on the claims box on the left side. B. If you feel a claim is not legitimate, report your suspicions as soon as possible.
C. If you have any questions regarding the status of a claim, reporting a claim, completing a form, or the
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Any injury to an employee that requires emergency treatment at a medical facility will require a drug and alcohol screen by that treating facility. It is the policyholder’s responsibility to order the drug and alcohol screen from the treating facility. If the policyholder cannot obtain a drug and alcohol screening at the time of treatment, immediately contact the Mutual’s claims department at 1-800-849-7788 and request their intervention. If, in any case, the employer fails to fulfill this requirement, the Mutual may deny coverage of the claim.
3. Techniques to Reduce Claims Costs The best way to control the cost of both your minor and major compensation claim is to avoid the emergency room when possible. We encourage all policyholders to establish themselves with a local general practitioner and orthopedic group with the understanding that when feasible, all injured employees will be directed to one of these doctors first as opposed to the emergency room.
4. OSHA Record-keeping Requirements OSHA requires employers to post a summary of the total number of job-related injuries and illnesses that occurred during the previous calendar year. Summaries must be posted from February 1 to April 30, 2022. However, employers need only post the Summary (OSHA Form 300A), not the OSHA 300 Log. If you had no recordable injuries or illnesses in 2021, you still must post the form with zeros on the total line. In order for employees to view the OSHA 300A Summary, post it in a common area such as a break room or on a bulletin board, or wherever you post other important notices to employees. Also, a reminder that employers with ten (10) or fewer employees, and employers in certain industry groups, are normally exempt from federal OSHA injury and illness record-keeping and posting requirements. ~FMIC
AM BEST in 2023 affirmed our insurance ranking as A- Excellent rating. Forestry Mutual 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 800-849-7788 to have an agent reach out to you today Email us at info@forestrymutual.com to set up an appointment. FMIC 1ST QUARTER 2024
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LEGENDS OF FMIC
Forestry Mutual's Loss Control They are partnering with Virginia Occupational, Health & Safety (VOSH) and the Virginia SHARP Logger Program to give VOSH inspectors insight into the daily operations of a logging site. Original Article Printed 1st Qtr. 2023
Who in their right mind would let a couple dozen OHSA inspectors to their working log site? 16
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he hands-on relationships that Forestry Mutual has within the logging community are genuinely Legendary. When we asked our tight niche logging community who has the best and most inclusive loss control services? Without hesitation, they say, Forestry Mutual. Garnering the moniker of Best in Class, First Rate, Professional and Compassionate take work and time.
Our logging loss control has been the foundation of the company since its beginning over fifty years ago as the North Carolina Self-Insurers Fund, which grew over twenty years ago to the now famed Forestry Mutual Insurance Company. Hard work, dedication, sacrifice, and perseverance are what we respect in our clients, who work tirelessly in the wood products industry. We know that our clients expect the same dedication to perfection from their insurance provider. We've met that challenge in our Loss Control Department, led by Greg Plumley, Director of Loss Control. He and his team have made Forestry Mutual nationally and internationally recognized as having the best Loss Control services in the industry.
R. Scott Barrett, Ph.D., Associate Professor at Virginia Tech, Forest Resources and Environmental Conservation, and Coordinator of the SHARP Logger Program.
To give an example of what Forestry Mutual does in the industry with our Loss Control. An extraordinary event took place in October 2022 in Franklin County, Virginia. Dr. Scott Barrett, Ph.D., Associate Professor at Virginia Tech, Forest Resources and Environmental Conservation, and Coordinator of the SHARP Logger Program, reached out to Greg Plumley to inquire if Forestry Mutual would be interested in assisting him in training a couple of dozen Virginia OSHA inspectors on the working environment and, in general, the world of logging in the woods.
Harker, the owner of Pittsylvania Forest Products, and Mr. Jimmy Mastin, the owner of Mastin Logging, did just that. Both stepped up considerably to help the logging industry and OSHA.
L - R: Marta Fernandez, VOSH Safety Program Director and Justin Hodges, Federal Department of Labor.
"We appreciate this opportunity to work with Forestry Mutual and the SHARP Logger Program." Says Marta Fernandez, Virginia OSHA Safety Program Director. She says, "everybody is very excited to come out here and be in-person with the training." There was one day of in-person classroom training to give the Virginia Occupational Safety & Health (VOSH) inspectors, who have never been on a logging site, an overview of forestry and harvesting operations in Virginia, which is why Marta reached out to Dr. Barrett. Dr. Barrett and the SHARP Logger Program gave an in-class overview three weeks before the on-site training. During this time, Greg Plumley pulled his team together and secured the locations for the log site training. Continued on Page 18
Who in their right mind would let a couple of dozen OHSA inspectors to their working log site?
Greg reached out to two loggers he knew personally and long-time clients of Forestry Mutual who would have a working log site to demonstrate and train these inexperienced logging OSHA inspectors. Mr. Nathan
Chris Hudson, Loss Control Representative for Forestry Mutual, giving site safety briefing to VOSH inspectors.
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The benefit to the logging industry and for everyone is immense. When 95% of Virginia OSH inspectors who will investigate an incident on a logging site have never been on a logging site, which can only lead to confusion and misunderstanding of the hazards that go into the world's third most dangerous profession. Having VOSH exposed to the working dangers that go into logging operations will only allow them to execute their investigations better. This priceless knowledge and firsthand exposure to a functional logging site demonstrate the willingness of Forestry Mutual to work with our regional partners, like Dr. Barrett and the SHARP Logger Program.
L-R: Greg Helton, Shawn Fulks, Chainsaw Felling & Safety Trainers and Greg Plumley, Director of Loss Control for Forestry Mutual Insurance.
One of the main concerns that Virginia OSHA has is to have to send an inspector out to the woods on a logging fatality or injury, and they don't know what to expect when they arrive. Those inexperienced inspectors need to realize the hazards to them when they do come. Such as, they don't know what a "widowmaker" is. A widowmaker refers to broken branches left hanging in limbo on mature trees. The name indicates that such objects can kill forest workers by falling on them. Part of today's training is to teach them to look up for hazards and down for tripping hazards.
Chris Hudson, Loss Control Representative for Forestry Mutual, goes over the operations and safety issues with operating a skidder.
Chris Hudson, Loss Control Representative for Forestry Mutual, "what we want to accomplish today gives each of these VOSH inspectors an opportunity to see the equipment up close, the skidder, feller buncher to the loader and chipper." He continues, "My goal is to explain how the energy source for each piece of equipment is unique. So is the visibility of the operator in each piece of equipment." Chris adds, "having each of them sit in the driver seat of the skidder, loader, and feller buncher, lets them know firsthand how limited the visibility is." When you add cold weather, rain, dust, or muddy conditions, how the operator's visibility is reduced, which Chris adds, "high visibility clothing and communication either on the radio or by pre-determined physical hand signals, which is so vital to everyone's safety." Greg Plumley could not be more satisfied with his team at today's event. Today he brought Greg Helton and Shawn Fulks, expert chainsaw felling trainers from Forestry Mutual. After the VOSH team visited each site on a logging job and had each piece of equipment available for close inspection, they had a few hours of manual felling instructions from Greg and Shawn. Shawn and Greg gave the manual felling training as referenced to the 29 CFR 1910.266 OSHA requirements. This in-person training gave the inspectors a real-world perspective on the hazards of felling timber.
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A widowmaker refers to broken branches left hanging in limbo on mature trees.
The hands-on training would continue that week with another group of Virginia OSH inspectors. Virginia has some of the nation's best inspectors, and this forestry logging exposure makes them more top-notch in their profession. As Greg Plumley puts it, "we at Forestry Mutual are thankful for the opportunity to work with Virginia OSH to grow our relationship between OSHA and the logging industry whether it's here in Virginia or any of the other states across the country we operate in." Greg adds, "going home the way you came to work is the first mission at Forestry Mutual, now, and into the future." He adds, "safety pays."
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TENNESSEE
Tennessee Forestry Association
FORESTRY MUTUAL:
TRUSTED FOR INSURANCE AND SAFETY BY TFA AND FOREST INDUSTRY IN THE VOLUNTEER STATE Candace Dinwiddie
Executive Director, Tennessee Forestry Association
The Tennessee Forestry Association (TFA) is so thankful for the commitment that Forestry Mutual Insurance Company has demonstrated to our forest industry in Tennessee. FMIC is also trusted by the TN Dept. of Agriculture to provide safety training to loggers, industry and even future forestry leaders CHAINSAW SAFETY WITH GREG HELTON
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through our partner training opportunities throughout the state. Thanks to chainsaw safety trainer Greg Helton, 60 high school FFA students were able to learn the importance of chainsaw safety at the annual camp held at Falls Creek Falls. Also, in Tennessee during 2023, FMIC safety trainer Justin Guyer, provided safety related training to 74 new Master Loggers. Justin also provided safety training to 261 current Master Loggers to enable their designation to continue for two more years. Forestry Mutual is the go-to resource for common sense insurance options that appeal to our wood industry and loggers in Tennessee. TFA is very proud to always recommend FMIC to our members. The partnership continues to grow in Tennessee with folks like Justin Guyer, Greg Helton, Eddie Campbell, Alan Schaefer, and others serving as the trusted faces of FMIC in the Volunteer State. Through the partnership with FMIC, our association has been able to change the perception of our forest industry in the eyes of the public by operating in a safer and more professional manner. The forest industry in Tennessee continues to face challenges. 2024 does look like there are some silver linings on the horizon. At TFA we know that the partnership we enjoy with FMIC, and its highly respected staff will ensure that our forest industry is prepared to find the silver linings that will help us to prosper and grow in the Volunteer State for years to come.
VIRGINIA
Virginia Loggers Association
PARTNERS IN PROGRESS:
YOUR TRUST, OUR COMMITMENT Ron Jenkins,
Executive Director, Virginia Loggers Association
This article is submitted based on the trust and commitment earned through the building of relationships over many years. In this short article, VLA proudly offers examples of how the two have worked closely together to build industry trust and commitment to safety by our industry partners. Together Forestry Mutual and VLA have worked in unison to place safety as the number one priority. We hope this foundation will carry forward with an equally strong level of trust and commitment to the importance of each into the future.
Forestry Mutual Insurance has been known for its superior workers compensation policies for VLA members. Our focus on workers safety has led to industry investment to high safety standards, fewer accidents and fatalities, and ultimately a healthier bottom line for their business.
KAPSTONE TRUCKER APPRECIATION & SAFETY DAY 2018 WITH FORESTRY MUTUAL 2016
pulling up to the scales and offered them a safety message, safety information, and an invitation to stop on the way out to get a lunch and some safety gear.
The two organizations also worked together on many SHARP Logger trainings with each visibly committed to safety and reinforcing the idea every day.
The question is whether Forestry Mutual and VLA should continue its partnership as it has in the past? VLA strongly believes the answer is yes because workers safety is still our highest priority.
Virginia Loggers Association looks forward to working closely as a partner with Forestry Mutual Insurance in the future to ensure the foundation built on safety will continue to echo in our businesses!
VLA is committed to safety for every member and makes Forestry Mutual’s message a central part of its events and programs. Working together we are able to double-team on the importance of safety and repeat important messages.
Over time, Forestry Mutual Insurance and VLA have been part of important Truck Driver Appreciation & Safety Day sponsored by mills. Together Forestry Mutual and VLA worked side by side with company representatives to meet and greet every driver
SHARP LOGGER TRAINING RYAN BARTON 2023
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By David McLean
TRUCK DRIVER & EMPLOYEE RECOGNITION
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his past year, Forestry Mutual had the privilege of speaking at the annual CLA, VLA, and TFA Conferences. The main topic of the presentation was the importance of making good hiring decisions when it comes to drivers as well as some ideas on how to keep those drivers. It’s no secret in the Logging Industry that one of the biggest challenges is finding and keeping safe and dependable drivers. Once you’re fortunate to hire a good driver – how do you keep them? Well, like most things, there probably isn’t just one good answer – it’s most likely a combination of things.
Let’s take a look at a few: The most common answer to retaining drivers is money. Money is what we usually hear or say first when talking about how to keep a good driver. And yes, competitive pay is very important. Unfortunately, in our industry, it’s a huge challenge to pay drivers at the same rate as some of the other competing industries. But is pay the only thing that keeps a driver on your payroll? I will tell you that while pay is important, it is certainly not the “silver bullet” to keeping a good driver. In fact, surprisingly, it may not be the most important factor at all.
Drivers are like anyone else – they are all unique and individual people who have unique and individual needs. Some drivers may say they only care about the money, but I will challenge that driver and can almost guarantee you that is NOT the only factor in retaining that driver. Yes, all of us must make ends meet, but just paying someone well won’t keep them around. Some drivers may need flexibility in working hours or working days. They may have someone at home that requires special care or some other special need. They need the flexibility to take care of that loved one on a specific day, in the evenings, at lunch every day, etc. In this instance, while money is important, the top priority for that driver is the ability to meet the schedule he or she needs.
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What about the working environment? Is that important? You bet! It’s great to have a job where you’re able to make your payments each month. But if you come to work every day, get treated like a second-class citizen – shouted at, threatened, can never satisfy the boss, etc. – how long before you start looking elsewhere? Very few people will work under those conditions for very long. Great pay or not, they will start looking for greener pastures.
And how about that thing called Safety? Let’s say you’re a professional driver – the kind an owner would love to have. Meaning you’re dependable, safety is the top priority for you, you’re easy to work with, and you treat the owner’s truck as if it were your own. Now if you’re that type of driver would it matter to you if you drove a run-down hunk of junk truck that wasn’t safe or dependable versus driving a piece of equipment that was well-maintained and you felt it was safe to drive? You bet it would matter! An owner could pay you all you wanted but if you felt unsafe getting in that rig every day or you felt the owner never repaired anything that you brought to his or her attention, how long would you stick around? All of these factors I just mentioned are keys to keeping a safe and dependable driver. Today, I want us to focus on just one of those factors, and that’s the working environment. Specifically, I want us to review Recognition.
I have had the good fortune to work for an organization that understands the importance of recognition. I saw firsthand the impact that recognition and one-on-one interaction can have on keeping good employees. I have seen, more than once, an employee who wanted – and actually needed – more money. The employee struggled. The employee looked for other jobs. But the employee really didn’t want to leave. I saw their internal struggle and their desire to stay. In fact, I saw numerous times where the employee was able to adjust either his/her budget at home or
work with the boss and develop a way to make things work out. But they did that because they WANTED to stay. And why? Because they felt their boss actually cared about them as a person – not just as an employee – not just a driver – not just someone that got their product to market – but as a real person that was part of the work family. I’ve seen firsthand the impact that good personal relationships between the owner and the employee can have on retention. Most times, employees who want to work for someone will find a way to stay – money is secondary.
So how do you, as an owner, develop this devotion from a driver? It simply requires a caring attitude for the individual as a person – not just a driver. I would suggest that as an owner, you should talk with your driver one-on-one daily, if possible, weekly at the very minimum. Find out about your driver as a person. Get to know your employees. What is his or her family situation? Married? Any children? Any family issues – health, etc.? What are his or her hobbies? What makes him or her “tick”? Now of course you can’t require your employee to tell you any of that – but most folks don’t mind talking about themselves or the people they care about once they believe you care about them as a person. And once you establish that relationship, now you’re on your way to developing a devoted employee.
Once you really get to know your employee, make it a point to talk briefly each day if possible, with him or her. Just briefly ask about that sick relative, or about that ballgame that he or she is interested in, etc. And most importantly, end that conversation by letting that driver know you care about him or her and you want them to stay safe! Always, always, leave them with a safety message or tip. Let them know that you want them to come home today safely and that you want them back tomorrow. I understand that the challenges of this industry may make it hard to speak with each driver every day – but for sure you should speak with each driver at least once a week. If nothing else – do it on payday! Let them know how much you appreciate what they do and that you care about them. I guarantee you that while you may lose an employee occasionally due to pay, they won’t go willingly. They will want to stay with you if at all possible. With the challenges of finding and keeping safe and dependable drivers – we need all the help we can get!
Establishing these personal relationships will help you retain those valuable employees. If you haven’t done so, give it a try! I guarantee you’ll see a difference!
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With a new year also comes a new look for MFA and our sub-brands. We have been working on a rebrand of our suite of logos and were pleased to roll those new logos out to the public beginning on January 1!
MISSISSIPPI
Mississippi Forestry Association
GROWING GREEN: MFA'S DYNAMIC YEAR IN MISSISSIPPI FORESTRY Casey Anderson,
Mississippi Forestry Association Executive Director
Last year proved to be a busy, but successful, year for Mississippi Forestry Association. With our yearly Legislative Luncheon and Annual Meeting, the biannual Mid-South Forestry Equipment Show, and countless landowner, forester, and logger education classes held across the state, our staff was hard at work spreading the good news of forestry throughout Mississippi.
To kick off this year, the 2024 Regular Session of the Mississippi Legislature convened on January 2. As always, MFA will be closely monitoring proposed legislation for any items that affect the forest industry or forestry businesses in our state.
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One thing that will not change this year is our continued partnership with Forestry Mutual. Partners like Forestry Mutual play a vital role in the success of our association. By offering commercial insurance to our members, Forestry Mutual helps us help our members succeed. We look forward to another great year of this partnership, as both MFA and FMIC work to grow the forest industry in Mississippi and beyond.
DEHYDRATION:
COLD WEATHER SAFETY TIPS Greg Plumley – Director of Loss Control
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ogging operations in the Southeastern United States during the winter vary greatly depending on the region where you operate. Whether you're in the sandhills of South Carolina or the Mountains of Tennessee, the severity of the weather can swing without notice. This year has had some cold temperatures, and we want to be sure we are all prepared. Forestry Mutual, as always, has industry safety in mind when we send out reminders and precautions for hazards that occur during the winter months when working outdoors as loggers. In cold weather, your saws, trees, and bodies react differently. By taking simple precautions, everyone can go home safely at the end of each day.
YOUR BODY:
It's not rocket science, and it makes sense to dress differently in cold weather, we all know this, but we remind you that layering is a suitable method. In the chilly mornings and after your body warms up, you may need to shed a layer, but keep that layer of clothing close. If you stop working to chat with a coworker or forester, you may need extra clothes to maintain your core body temperature. • Having the right gear will make all the difference in keeping you warm. • Wear gloves with liners. • Start slowly or do some light exercise in the morning to get your body warm and blood flowing. • If you get too cold, start a fire (if landowners allow it) or go to the truck and warm up. • Don't rush! • If working in the mountains, as you move to set chokers or walk around the landing, do it with caution. • Be deliberate in where and how you step because the snow can mask hazards, and ice can create slip and trip hazards.
Dehydration in the winter is a severe health hazard. Many do not realize dehydrating is very easy because you don't feel as thirsty as in the summer months. Carry water with you and often drink, even if you are not sweating. Water escapes your body through your breathing/respiration in cold and dry conditions.
GEAR:
• No jacket or sweatshirt with hoods - wear a stocking cap or beanie • Thicker gloves or liners • Extra socks • Long johns or wool • Extra set of clothes • Rain gear
DRIVING:
Last but not least, winter brings many challenges to driving on log roads and highways. Please, refrain from pushing the limits of yourself, your equipment, and the environment. If the weather looks too bad, stay home. Below are some winter driving tips that apply to the Forestry Mutual 10-Point Safety Checklist.
• Keep your vehicle in good working condition. • Conduct your daily pre-trip and post-trip inspections and report issues to your supervisor. • Scrape the snow and ice off your headlights, and always travel with headlights on. • Ensure the vehicle is full of fuel before heading out to the woods. • Slow down and take your time. • Accelerate and stop slower. • Maintain more room between you and the vehicle ahead. • Black Ice: Slow down when approaching bridges, shady areas, intersections, and off‐ramps. • Keep an ice scraper, shovel, tow strap, and jumper cables in the vehicle. • Keep extra clothes, food, and water in the vehicle. • Drive for the current road conditions. • Do not push your driving abilities.
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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
Annual OSHA Required Training
Classroom and/or on-site instruction
Safety Policy and Rules
Company Safety Program & Written Procedures
Lockout/Tagout Training
New Employee Training Guide Safety Policy & Rules
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Logger Safety Workshops Logging Equipment Familiarization
Forklift Safety Training
Storm Damage & Salvage Training
Lockout/Tagout Training
On-site Chainsaw Training
On-Site Safety Meetings
Overhead Hazards Training
Supervisors Safety Training
Safety Alerts Weekly Text
Mock OSHA Inspections
FMIC Quarterly News Magazine Safety Meeting Sheets (Quarterly)
ACCIDENT INVESTIGATION
Safety Meetings On-Site Slip, Trips & Falls Training Supervisor Safety Training
CLAIMS ANALYSIS AND REVIEW WHOLESALE PRICED SAFETY EQUIPMENT SAFETY TRAINING MATERIAL AND SAFETY VIDEOS ANNUAL/QUARTERLY ON-SITE SAFETY INSPECTIONS
FMIC 1ST QUARTER 2024
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
MUTUAL FAMILY Introducing Daegen Shelton, the bright and cheerful young face of the Shelton family! Proudly showcased by Jonathan and Jessica Shelton from Shelton Excavating, one of our distinguished clients at Forestry Mutual Insurance. In this holiday photo, Daegen captures the holiday spirit in his festive Christmas sweater and Forestry Mutual hard hat. Join us in celebrating this holiday season with Daegen. If you have a picture you'd like to share with Forestry Mutual, please send to: Jean-Paul Damé (JP), Communication Director jpdame@forestrymutual.com
ANNUAL REMINDER
Topic: OSHA Recordkeeping Requirements It is that time once again to comply with the OSHA requirement to post a summary of the total number of job-related injuries and illnesses that occurred during the 2023 calendar year. OSHA requires that summaries be posted from February 1 to April 30, 2024. However, employers need only post the Summary (OSHA Form 300A), not the OSHA 300 Log. Make sure the summary is complete. It must list the total number of job-related injuries and illnesses that occurred in 2023 and were logged on the OSHA 300 form. Employment information about the annual average number of employees and total hours worked during the calendar year is also required. Companies with no recordable injuries or illnesses in 2023 must post the form with zeros on the total line.
For employees to view the OSHA 300A Summary, post it in a common area such as a breakroom, on a bulletin board, or wherever you post other important notices to employees. Also, a reminder that employers with ten or fewer employees, and employers in certain industry groups, usually are exempt from federal OSHA injury and illness recordkeeping and posting requirements. FMIC 1ST QUARTER 2024
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Expertise in Forestry Workers’ Compensation! Forestry Mutual has been SETTING THE STANDARD in providing Workers’ Compensation Insurance for over 50 years. You can count on these critical attributes when you let us care for your business and employees: We cover medical bills, lost wages, and return-to work assistance. We have proven injury management programs and a loss control team of experts that give hands-on training and safety advice to control your costs and provide the best possible outcome. The wood products industry has counted on Forestry Mutual to protect their businesses and employees so they can get back to work.
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Check why Forestry Mutual Sets The Standard in workers’ compensation insurance.
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CAROLINA LOGGERS ASSOCIATION
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