2nd Quarter 2024 FMIC Magazine

RENEWAL AND REBRAND:

FMIC AGENCY TRANSFORMS INTO UNITED RISK ADVISORS

As the CEO of Forestry Mutual Insurance Company, I'm thrilled to share some exciting developments with you as we embark on a new chapter in our journey. This year marks not only the arrival of spring but also a time of renewal and transformation for us.

I'm delighted to announce that our esteemed FMIC Agency is undergoing a significant rebranding initiative. After two decades of dedicated service and a longstanding partnership with Forestry Mutual, FMIC Agency will now be known as United Risk Advisors. Under the capable leadership of Mitch Brown, who serves as our Agency Director, this change signifies a fresh start while preserving the values and commitments that have defined our relationship with you, our valued clients.

At Forestry Mutual, we're not just about providing exceptional coverage options; we're also dedicated to delivering unparalleled service and ensuring a seamless experience for our policyholders. That's why we've been investing in modernizing our technology and internal processes. Our goal is to enhance engagement with you, our policyholders, and continue to Set The Standard of excellence in the world of workers' compensation.

Our outreach efforts to insurance agents and agencies continue to underscore our commitment to serving high-risk clients, especially those in forestry. We urge agents and your friends to consider partnering with the best-in-class company, Forestry Mutual Insurance Company, particularly when it comes to workers' compensation.

As we navigate the challenges and opportunities in the insurance landscape, one thing remains constant: our dedication to providing superior service and value to our clients. Despite the recent industry disruptions, including rising reinsurance costs and premium adjustments, we remain steadfast in our commitment to you.

I invite you to explore the enhanced listing of our eligible business classes and discover the opportunities that await. Whether you're a current policyholder or a prospective client, we're here to support you every step of the way.

Thank you for your continued trust and partnership. Together, let's embrace this new season and the exciting possibilities it brings.

Warm regards,

Bill Dine, CEO, Forestry Mutual Insurance Company

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)).

Did you know … YOU COULD BE HELD LIABLE … whether you have 1 or 100 truck drivers – you are responsible for maintaining the Federal Motor Carrier Safety Administration (FMCSA) guidelines .

Over the past few years, we have witnessed a few of our Policyholders face civil and criminal penalties because they failed to follow FMCSA guidelines as it pertains to record -keeping, specifically targeting the Driver Qualification (D.Q.) Files. In all cases, our policyholders' driver was involved in a serious accident that required further investigation by the responsible law enforcement of their State. Upon investigation, in those cases, it had been discovered that the truck drivers were operating with e xpired CDL Drivers' Licenses and, in some cases, with expired DOT Med Cards, which also disqualifies the CDL Drivers' License. In all cases, the owner of the trucking operation was found guilty of not maintaining D.Q. Files for which copies are required. A list of all required D.Q. items can be found at www.fmcsa.dot.gov website. It is not the responsibility of your insurance agent to maintain D.Q. Files for your operation; it is the sole responsibility of the business owner. It is also the truck driver's responsibility to maintain a valid CDL Drivers' License and DOT Med Card.

SO WHAT IF I AM NOT DOING THE ABOVE????

Part 383

COMMERCIAL DRIVER'S LICENSE STANDARDS; REQUIREMENTS AND PENALTIES

§ 383.53: Penalties. (a) General rule. Any person who violates the rules set forth in subparts B and C of this part may be subject to civil or criminal penalties as provided for in 49 U.S.C. 521(b).

WHAT YOU SHOULD DO:

• Maintain a D.Q. File for each driver – full list of requirements can be found on the FMCSA website.

• Ensure a current copy of CDL Driver License – maintain a control log to track expiration dates.

• Ensure a current copy of DOT Med Card – maintain a control log to track expiration dates.

• Must have a copy of MVR: You must request and approve and keep a copy of a Motor Vehicle Record (MVR) for every CDL driver.

o Also, make sure that your insurance carrier approves the driver's MVR before letting them drive.

o If you must create another business name where an alternate auto carrier can provide a driverdesignated policy for a driver because that one particular driver would not be approved by your major carrier, you need to do a little more research to ensure that driver is a good risk for your business

o MVR's must also be reviewed annually, but you must keep the original one from the driver date of hire.

o Your insurance agent is not responsible for keeping these records…YOU ARE.

• Drug tests are required by Law: All trucking operations must have a drug testing policy. All CDL drivers must be tested prior to employment and then be entered into a random testing program. Also, post-accident tests must be performed.

Please contact your Forestry Mutual Fi eld Representative if you require more information, such as a complete list of what is required in the D.Q. File. They are willing and ready to assist you. Education is knowledge, and it takes knowledge to protect yourself from the ever -increasing risk level and the liabilities you face daily.

UNCLE MIKE: ADVOCATING FOR A CULTURE OF MINDFULNESS AND INTEGRITY ON THE HIGHWAY

By Jordan Rose

Forestry Mutual Insurance Company proudly showcases the achievements of Andrews Brothers, Inc., one of our esteemed policyholders, in Trenton, North Carolina. Founded in 2012 by brothers Garrett and Tyler Andrews, the company exclusively hauls for Anthony B. Andrews Logging, Inc., established in 1984 by their father, Anthony Andrews. With a team of 18 truck drivers and one full-time mechanic, Andrews Brothers, Inc. has maintained an outstanding safety record, with only one minor accident in the 11 years under Forestry Mutual's coverage. Garrett and Tyler Andrews express their satisfaction with their current employees and prioritize hiring safety-conscious individuals.

In the realm of log truck driving, experience is invaluable. When mentoring new drivers, Garrett and Tyler rely on the expertise of their seasoned truck drivers. Among them is Michael Barfield, affectionately known as "Uncle Mike," a 62-year-old truck driver born and bred in Trenton, North Carolina. Mr. Barfield's journey into truck driving began in the 1990s with Charles Blythe Equipment Company, hauling bark for Weyerhaeuser to various power plants across the region. Over time, he transitioned to hauling heavy equipment, recounting adventures that took him across the country and occasionally into Canada. Despite encountering challenges like

colliding with a bear during an early morning haul up north, Mr. Barfield's commitment to safety grew stronger, earning him the nickname "Hawkeye." In 2002, Andrews Brothers extended an opportunity for him to join their team, an opportunity he describes as a blessing.

A typical day for Uncle Mike starts at 4:00 am, allowing ample time for preparation before heading to the Andrews Brothers shop around 5:00 am. Performing a meticulous pre-trip inspection on his 2021 Peterbilt truck, Mr. Barfield proceeds to the job site for the day's hauls. Despite the demanding 12–14 hour workdays, he finds solace in the tranquility of driving and the opportunity to explore new locales. However, navigating daily challenges, such as distracted drivers pulling out in front of him, remains a constant concern. To safeguard himself, Uncle Mike relies on his Samsara dash camera, which has been installed since 2019, recognizing its role in preserving the reputations of diligent drivers.

Mr. Barfield's dedication extends beyond his driving, as he actively mentors younger drivers, emphasizing the importance of attentiveness and safety behind the wheel. Advocating for a culture of mindfulness and integrity, he encourages new drivers to heed the advice of seasoned professionals. Beyond work, Uncle Mike enjoys outdoor cooking and hosting gatherings for family and friends, defining success as striving to live honestly and with integrity.

From all of us at Forestry Mutual, we extend our heartfelt appreciation to Mr. Barfield for his professionalism and expertise behind the wheel.

NORTH CAROLINA

North Carolina Forestry Association

THE IMPACT OF FORESTRY DAY IN THE LEGISLATURE

Jeanne Harmor, Director of Communications, North Carolina Forestry Association

Established in 1911, the North Carolina Forestry Association (NCFA) is the state’s oldest forest conservation organization. Today, the non-profit partnership represents approximately 4,000 forest managers, landowners, mill operators, loggers, furniture manufacturers, educators, and others concerned about the long-term health and productivity of the state’s forest resources and the industries they support. All year long, the NCFA serves its members through advocacy, training for forestry professionals, education, and a variety of communications. This is all possible, of course, through our collaborative partnerships with organizations, like Forestry Mutual Insurance Company, that align with our mission to ensure healthy, productive, and sustainable forests.

Like many forestry associations, the NCFA plays an important role in hosting an annual event called Forestry Day in the Legislature. This is a day where all entities of the forest products community come together for a common cause and commit to advocate for change. Members of the North Carolina General Assembly and their staff attend and NCFA members have an opportunity to speak with their elected officials on the issues that matter most to them. The efforts behind Forestry Day – and everything we do –are a testament to our investment in the future, and we are strategically involved in the legislation behind the policies that affect our industry.

The NCFA is more than an association – it is a team of individuals with boots on the ground, making great strides to advocate for its members. We’ve collectively made admirable progress over the years in passing effective legislation that protects the interests of the forestry industry, and in blocking legislation that would jeopardize the collective progress our industry has made in this region and beyond. The legislation that is blocked has just as big of an impact as what is passed, and the level of influence required to affect these decisions does not happen by chance. It is fostered by a passion for our industry, a dedication to building and maintaining relationships, and a commitment to showing up when it matters the most.

Like many partner organizations, Forestry Mutual Insurance Company provides the NCFA a platform to continue its collaboration efforts and to keep the lines of communication open. We’ve found that our partnership has offered many benefits to our members and has opened the doors to new opportunities to further our advocacy efforts. Through these efforts we’ve had many policy wins over the years, and we’ve celebrated those wins on behalf of our whole organization. Beyond the celebrations, we realize that our work is never done, and there will always be an opportunity to advocate for our members and to support an industry we all simply could not live without.

At the NCFA, we are proud to be the voice of forestry across the state of North Carolina. We’re proud because we represent a collective voice comprised of individuals who care deeply about the health and sustainability of our forests. The best part? There’s no limit to how many voices can be a part of it!

On behalf of all of us at the NCFA, we encourage you to get involved in your local organizations. Find your voice, and make sure it is heard. Whether it’s joining a new organization, engaging in the issues that matter most to you, or attending events like Forestry Day, we all have the potential to make a positive impact.

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

SAW SHOP

By Greg Helton, Chainsaw & Logging Safety Trainer

As the days start getting longer and the temperatures start rising, we feel that Spring is here. New growth is budding, and the winter coats are going back to the closest. Along with the changes in the weather come changes in our work environment. One area that I would like to discuss is fuel and hydraulic tanks under pressure.

First, let’s talk about chainsaws. There has been an increased concern about an event called “fuel geyser”. A fuel geyser is the forceful expulsion of liquid and vapor fuel from a fuel tank. It is caused by the rapid depressurization of the tank. As the temperatures begin to rise higher in the summer months, the chainsaws we are operating begin to remain at an elevated temperature as well. This increase in temperature can cause the fuel tanks to build pressure. A fuel geyser happens when there is increased pressure on the tank and the fuel cap is removed quickly. Once the fuel cap is released, the pressure causes the fuel to spray out from around the cap. This can cause serious injury if the sawyer is in the line of fire for the fuel. Hot fuel could cause burns and injury to the eyes.

Some safe practices can be done to prevent a fuel geyser or injury from a geyser. If the temperature is high and the chainsaw has been running for a while, allow the saw to cool down before removing the cap. This should allow the pressure to dissipate. Also, remove the cap slowly. Slowly removing the cap will allow the pressure to slowly release instead of rapidly. Another good practice is to use a glove or rag to cover the fuel cap as you remove it. Be sure that there

is not an open flame nearby that could cause ignition. Do not stand directly over the fuel cap as it is being removed.

A FEW OTHER TIPS TO REMEMBER WHILE FUELING YOUR CHAINSAW:

- Always fuel on bare ground.

- Maintain at least 20 feet from any ignition source.

- Allow the chain saw to cool first.

- Also, refill the bar oil.

Second, we have experienced several claims over the last few years due to hydraulic and radiator caps rapidly releasing pressure. Hydraulic tanks and radiators generate heat during operation. This heat causes pressure to build in the tanks. Quickly releasing the cap can cause serious injuries. Hot fluid can cause burns to the skin and contaminate the eyes. Also, a quick release of pressure can startle an employee and cause a fall from the equipment.

Here are some safety practices to prevent an injury from pressurized tanks. Just as with the chainsaw, allow the machine to cool down before removing the cap. Remove the cap slowly with your face turned away from the cap. Using a rag or a glove to cover the cap while removing it can prevent the fluid from reaching your body. Also, be sure to maintain a good footing while servicing the equipment.

Follow the same safe practices when removing hydraulic lines. Pressure can build up in the hydraulic cylinders and release as soon as a line is opened. Do not forget to properly Lock Out the machine. Ensure that the key is removed, and battery cables removed if there is no key. Allow rotating parts to come to a stop. Ground the implement and release the pressure from the line by working the lever after the machine is off. If the implement must be elevated, use appropriate cylinder blocks to prevent the implement from lowering. Chaulk the wheels to prevent movement. Allow equipment to cool down before performing work.

In the forest industry, we are under enough pressure as it is. Don’t let the pressures of the overheated tanks add to the pressure you are already under. Allow time for equipment and tanks to cool down. Remove caps slowly with face turned away.

As always, if you need training for your employees contact your Field Representative.

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

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:

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.

MISSISSIPPI

Mississippi Forestry Association

GROWING GREEN: MFA'S DYNAMIC YEAR IN MISSISSIPPI FORESTRY

Casey Anderson, Mississippi Forestry Association Executive Director

Partnerships with our members; partnerships with other associations; partnerships with companies; and partnerships with elected officials are all vital for Mississippi Forestry Association (MFA) to operate effectively. Luckily for MFA, we have great partners within each of these groups.

For many years now, MFA and our partners have worked together to secure a legislative provision increasing the weight limitations for agricultural trucks on the interstate in Mississippi. With the help and leadership of U.S. Senator Cindy Hyde-Smith, that provision has been secured and is now in effect.

The FY2024 Transportation, Housing and Urban Development, and Related Agencies (T-HUD) Appropriations Bill was recently signed by President Biden. That legislation includes the provision allowing vehicles with a Mississippi State Harvest Permit that are transporting agricultural products, such as grain and timber, to haul up to the existing state limit of 88,000 pounds on an interstate highway within the borders of Mississippi. This lifts a prohibition that forced large trucks to operate only on state and county roadways.

This was a huge win for the forestry and agricultural industries in Mississippi, and we greatly appreciate Senator Hyde-Smith’s dedication and hard work in

securing this provision that will improve safety and productivity within our industry and our state.

Our members and partners rely on MFA to be the voice of forestry in Mississippi. Our staff has been busy exhibiting at legislative and economic development conferences, attending career fairs and student events, and hosting educational workshops in this early part of 2024. We are just getting started though, so keep an eye out to see what we have planned for the remainder of the year. And speaking of events, mark your calendar now to attend the 2024 MFA Annual Meeting on October 23-25, 2024. We will be back at the beautiful Sheraton Refuge Hotel and Conference Center in Flowood, Mississippi. This event provides valuable education from industry speakers and numerous opportunities for networking, so make plans to join us.

I also want to give a quick update on the Mississippi Professional Logging Manager Program (PLM). As some of you may know, since the program moved to MFA, we have had technical difficulties with the PLM database and search functionality. We have switched to a new technology consultant and are optimistic that the database and site will be fully functional by the end of the summer. In the meantime, our Certification Programs Coordinator John Auel is happy to answer any questions about your PLM certification.

MFA is here to help our members make their land thrive and businesses succeed. Partnerships with companies like Forestry Mutual Insurance Company play a role in those successes by offering a variety of insurance products and having employees who are available to answer questions. MFA is proud to partner with FMIC.

We appreciate our members and partners, and as always, we are available to help answer any questions you may have about forestry in Mississippi. Reach out to me or our staff if we can ever be of any service to you or your business.

MFA EXECUTIVE DIRECTOR CASEY ANDERSON AND MISSISSIPPI FORESTRY FOUNDATION CHAIRMAN BUCK HOBBS VISIT WITH SENATOR CINDY HYDESMITH AT A RECENT FORESTRY AND AGRICULTURE ROUNDTABLE.

MISSISSIPPI

Mississippi Lumber Manufacturers Association

PROVIDING A GREAT NETWORK

FOR MEMBERS

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

The Mississippi Lumber Manufacturers Association (MLMA) was originally organized in 1954 as the Mississippi Pine Manufacturers Association to promote the sale and use of southern yellow pine lumber produced by Mississippi sawmills.

In 1978, the name was changed to Mississippi Lumber Manufacturers Association to include both hardwood and southern yellow pine mills. MLMA's hardwood mills are now an integral part of its membership.

MLMA mill members include responsible manufacturers of quality southern lumber, both pine and hardwood, representing all lumber production sections of Mississippi. Associate membership includes business-related companies and suppliers, lumber wholesalers and lumber producers in others states.

MLMA members contribute to the economy of their local communities, the state and nation by providing jobs and products. They play a leading role as good citizens through scholarship and award programs and in the conservation of renewable natural resources.

MLMA has maintained a partnership with Forestry Mutual because they understand the importance of our industry and the needs of our mill members. Our partnership has afforded us the opportunity to stay relevant and visual in the lumber, mill products and forestry industries. We are a local organization

supporting, representing and advocating for our mill members, who are primarily local, family-owned businesses.

To continue supporting our mill members and providing opportunities for our associate members to engage, promote and showcase their products and services we hold two events on an annual basis. During February, we had our Annual Meeting in Oxford, MS, and we are busy planning for our largest event, and that is the 2024 Convention and Trade Show that will be June 20-23, at the Beau Rivage Casino and Resort in Biloxi, MS. You have to be a member to attend our events, and we welcome mills and associate members to become a part of MLMA. We provide a great network for our members’ continued success.

Please contact us at ellery@mlmalumber.com or 601.672.7362, to learn about becoming a member and attending our upcoming convention and trade show.

2023 CONVENTION

2023 CONVENTION

ANNUAL MEETING

TENNESSEE

Tennessee Forestry Association

PARTNERSHIPS &

PROSPERITY

IN TENNESSEE

Candace Dinwiddie Executive Director, Tennessee Forestry Association

In Tennessee, the wood products industry, our loggers, and landowners have been faced with challenges recently with the closure of mills, market transitions and new regs on the horizon with overseas exports. Partnerships are the keys to helping our members as well as our association face these challenges and remain prosperous and growing in the Volunteer State.

Tennessee’s Governor Bill Lee addressed these challenges when meeting with Tennessee Forestry Association mill owners and loggers during Tree Day at the Legislature on March 6. Governor Lee recognized that to keep rural Tennessee prosperous, our wood industry needs to remain productive. Governor Lee discussed the wood industry’s valuable partnership with the Tennessee Dept. of Agriculture and other state agencies. TFA members also noted to the Governor

how important Forestry Mutual Insurance Company has been to ensuring workers compensation insurance has been readily available to the wood industry, even when times were tough. FMIC remains a steadfast, respected, and reliable partner to our sawmills, loggers, and foresters in Tennessee. The Tennessee Forestry Association appreciates this partnership so much. We are also so proud that our Governor, our Commissioner of Agriculture and so many important decision makers understand that reasonably priced workers compensation along with related safety initiatives are so important to our industry.

The drivers of Tennessee’s rural economy rely on our wood industry. FMIC, the company and staff are valued for their expertise, knowledge and communications skills that enhance our industry, particularly throughout our rural Tennessee communities and counties.

In Tennessee, we grow extremely healthy white oak and our white oak market is growing with a new stave mill opening soon in Middle Tennessee. Highly productive stave mills are already operating across the state and enhancing our rural economies. TFA is working closely with the TN Dept. of Agriculture Division of Forestry, University of Tennessee Extension Service and other agencies to promote the growth of our white oak resource to sustain our stave and barrel industries for generations to come. The Governor and all members of the Tennessee General Assembly received white oak seedlings to celebrate our industry on Tree Day. These seedlings were hand delivered and presented to legislators by our loggers and mill owners, most who carry their work comp with FMIC.

Thanks to the partnership with FMIC, our Tennessee loggers are trained to harvest white oak in a sustainable manner while working in a safe and skilled environment in the woods. FMIC’s leadership in Tennessee ensures that our industry does believe in prosperity, partnerships and productivity. Though times can be a little challenging our Tennessee partnership with FMIC continues to strengthen our industry throughout rural Tennessee.

Save the Date!!! TFA is headed to Dollywood for our Annual Convention, September 4-6. Join TFA and FMIC in Pigeon Forge at the new HeartSongs resort at Dollywood. Enjoy early September in the Smoky Mountains an,d who knows, maybe there will be a Dolly sighting. TFA looks forward to thanking Forestry Mutual Insurance for their partnership during our 73rd annual convention. Hope to see you at HeartSongs in September!!!

GOV. LEE SPEAKING WITH TFA MEMBERS ON TREE DAY 2024 VIRGINIA

VIRGINIA

Virginia Loggers Association PARTNERSHIPS &

PROSPERITY

Ron Jenkins, Executive Director, Virginia Loggers Association

Mutual dependence is a cornerstone of success for many organizations, a principle that holds especially true for the Virginia Loggers Association (VLA). Since its inception and the establishment of its contractual arrangement in 2007, VLA has witnessed significant growth in membership and resources, underlining the value of forming strategic alliances. The genesis of such an association may seem straightforward, with the basic requirements of state and local government compliance. However, the real challenge lies in persuading business owners of the tangible benefits that come with membership investment.

A pivotal factor in VLA’s success story has been its relationship with Forestry Mutual Insurance. This partnership has not only bolstered membership numbers but also allowed both entities to celebrate their respective successes, demonstrating the power of mutually beneficial business relationships.

Nearly sixteen years into their collaboration, VLA and Forestry Mutual Insurance continue to champion the crucial message of safety through participation in various events. In March of 2024, they showcased their commitment to their common safety mission by supporting a member’s business in enhancing employee safety awareness, in collaboration with TimberRisk Agency. At this event, guest speakers Jimmie Locklear, Stephen Setliff, and Shawn Fulks delivered insightful presentations on log truck accidents and the importance of maintaining focus to prevent them.

The statistics presented were alarming, particularly

the comparison between Virginia and Michigan in terms of log truck accidents, despite Michigan’s allowance for heavier trucks and more axles. This disparity highlights the persistent issue of distractions and poor driving habits, including the widespread problem of using cell phones while driving, which exacerbates the risk of accidents.

Shawn Fulks, drawing on his experience as a former logger and current Forestry Mutual Insurance employee, emphasized the importance of safety in the logging industry. His insights serve as a testament to the effectiveness of firsthand knowledge in fostering a safer work environment.

This collaborative effort exemplifies how a well-informed workforce can lead to fewer accidents, increased employee satisfaction, and improved business outcomes. Moreover, Forestry Mutual Insurance benefits from this arrangement by securing long-term client relationships, while VLA strengthens its position as a leading advocate for the logging industry.

The partnership is set to tackle another challenge by the end of March, addressing the Virginia State Police’s concerns over the rise in log truck accidents. The first quarter of 2024 has already seen a significant increase in such incidents, prompting a united effort to enhance safety and sustainability across the industry.

The collaboration between VLA, FMIC, and other partners reflects a commitment to not only reducing accidents but also to setting a standard for responsible driving behavior in the logging industry. It underscores the belief that no job is so critical that safety can be overlooked. Every worker’s life is invaluable, and through their continued partnership, VLA and its allies remain dedicated to preserving those lives by mitigating accidents and fostering a culture of safety. This mutual commitment not only saves lives but also secures the prosperity and growth of the logging industry as a whole.

SHAWN FULKS, LOSS CONTROL TRAINER FORESTRY MUTUAL INSURANCE COMPANY

By Jim McCraney

COMPANY EMERGENCY ACTION PLAN

You just witnessed an electrical explosion near a gasoline storage facility. Employees are running in different directions, smoke is developing, making it difficult to breathe, and fire is spreading in the direction of the fuel storage tanks. You feel sure employees are injured, but the raging fire makes it impossible to provide assistance. What’s your next move?

Nobody expects an emergency or disaster, one that affects you or your employees; however, emergencies and disasters can strike anyone, anytime, and anywhere. You and your employees could be forced to evacuate the workplace when least expected. Knowing what to do in the event of an unforeseen situation is why a plan must be developed, documented, and implemented.

An Emergency Action Plan (EAP) plan describes the actions employees should take to ensure their safety if a fire or other emergency situation occurs. A properly developed emergency plan and employee training (to ensure employees understand their roles and responsibilities) can result in no employee injuries and less structural damage to the facility during emergencies. Emergencies can be natural or man-made and include floods, hurricanes, tornadoes, fires, chemical spills, explosions, chemical or biological weapon attacks, and even workplace violence resulting in bodily harm and/or trauma.

It is not difficult to put together an emergency action plan. It involves identifying possible workplace emergencies and describing how employees should respond to each type of emergency. OSHA regulation (1910.38) states, “Employers' emergency action plans must include emergency escape procedures and emergency escape route assignments.” If a company is found to be in violation of the OSHA regulation, a fine may be imposed, depending on the severity of the violation.

By

Jim McCraney The elements of the plan should include, but are not limited to:

- Evacuation procedures and emergency escape route assignments.

- Procedures to be followed by employees who remain to operate critical plant operations before they evacuate.

- Procedures to account for all employees after an emergency evacuation.

- Rescue and medical duties for those employees who are to perform them.

- Means of reporting fires and other emergencies.

- Names or job titles of persons who can be contacted for further information or explanation of duties under the plan.

Remember, the best EAP specifies what employees should do during an emergency and ensures that employees receive proper emergency training. When you include your employees in your planning, encourage them to offer suggestions about potential hazards, worst-case scenarios, and proper emergency responses. After you develop the plan, review it with your employees to ensure everyone knows what to do before, during, and after an emergency. Keep a copy of your company emergency action plan in a convenient location where employees can get to it, or provide a copy to all employees.

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.

GENERAL 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

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ACCIDENT INVESTIGATION

CLAIMS ANALYSIS AND REVIEW

WHOLESALE PRICED SAFETY EQUIPMENT

SAFETY TRAINING MATERIAL AND SAFETY VIDEOS

5 ANNUAL/QUARTERLY ON-SITE SAFETY INSPECTIONS

LOGGING INDUSTRY

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)

Safety Meetings On-Site

Slip, Trips & Falls Training

Supervisor Safety Training

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

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.

WWW.FORESTRYMUTUAL.COM