FMIC 2024 4th Quarter Newsletter

FMIC FORESTRY MUTUAL INSURANCE COMPANY

4TH QTR. 2024

INSIDE OUR 4TH QUARTER 2024 EDITION:

PARTNERSHIPS IN FORESTRY - RISK ASSESSMENT - FMCSA RULE - SAW SHOP

ON THE ROAD TO SAFETY:

TRUCKING STATS, LIMBING BEST PRACTICES, AND DRIVER SPOTLIGHT ON JEREMY HALL

4th Quarter 2024

CONTENTS

Letter from President and CEO Bill Dine

Forestry Mutual reduces auto risk through advanced safety technologies, personalized training programs, and tailored solutions for high-hazard industries.

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FMCSA - Clearinghouse: Are you in compliance yet?

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FMIC SPOTLIGHT - Trucking

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THE RISK ASSESSMENT Improper Hand Placement Causes Serious Concern

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Attention All Truck Drivers who have been issued a CDL Driver’s license.

Introducing Mr. Jeremy Hall: a dedicated truck driver with six years of CDL experience and a passion for safe, honest work. By Scott Bunch.

Jimmy McCraney Loss Control Representative; Improper hand placement is a top injury cause, stressing the need for safety measures and proper guards.

AM BEST: Press Release

Once Again AM Best Affirms Credit Rating for Forestry Mutual AM Best Press Release.

SAW SHOP: Under Pressure! (Part 2) Greg Helton continues is look at pressure loaded limbs and tops.

Claims Reporting and Drug & Alcohol Screening Requirements.

HOT NEWS: 15 Forestry Mutual expands it's eligible classes of business.

Partnerships in Forestry

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Partnerships in Forestry

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Partnerships in Forestry

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Partnerships in Forestry

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Report from Mississippi Forestry Association.

Report from Tennessee Forestry Association.

Report from Virginia Logging Association.

FMIC 4TH QUARTER 2024

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ANNUAL REMINDER: 14

Report from North Carolina Forestry Association.

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PAGE

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FORESTRY MUTUAL BOARD OF DIRECTORS

CHAIR Michael Walters

TRUCKING SPOTLIGHT JEREMY HALL PAGE

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FALL WEATHER SAFETY TIPS

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12 SAW SHOP

Under Pressure Part 2!

The Pressure of Loaded Limbs and Tops

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.unitedriskadvisors.com FMIC 4TH QUARTER 2024

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THE ROAD AHEAD: MANAGING AUTO EXPOSURE WITH FORESTRY MUTUAL

By Bill Dine, CEO Forestry Mutual Insurance Company

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FMIC 4TH QUARTER 2024

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t Forestry Mutual, our commitment to policyholders extends beyond workers' compensation. As part of our best-in-class service, we help policyholders understand and manage their auto exposure, a critical aspect for businesses with commercial fleets. Although we specialize in workers' compensation, our ability to translate key metrics, trends, and analytics gives us an edge in helping companies stay ahead of risks in areas like commercial auto insurance.

In today’s evolving insurance landscape, many companies, especially those in high-hazard industries such as logging and wood products, are facing rising commercial auto premiums. Even with strong safety records, businesses are being impacted by market conditions that demand stricter underwriting and corrective pricing. At Forestry Mutual, we not only recognize the burden these increases place on our policyholders, but we also provide relief by knowing how to help them mitigate these challenges.

Our comprehensive approach begins with an in-depth review of fleet operations. By analyzing a company’s safety protocols and driving behaviors, we provide practical solutions that help reduce exposure to accidents and improve your overall risk profile. One of the most effective tools we recommend is the use of advanced safety technologies, such as a Fleet Management System. This type of system gives you real-time monitoring that captures analytics that enhance your fleet performance. Video telematics is also part of the system; this integrates GPS & Video surveillance in one platform. Mounted with front- and driver-facing cameras, these systems monitor driver performance in real-time, offering data-driven insights to help drivers make safer choices and avoid accidents before they happen. Other examples of advanced safety technologies include collision avoidance systems and driver fatigue monitoring tools.

The implementation of safety technologies such as dashboard cameras and telemetry systems has been proven to significantly reduce accident frequency and severity. These tools not only improve driver accountability but also provide crucial evidence in the event of an accident, helping to manage claims and avoid costly litigation. By investing in these innovations, our policyholders are better equipped to safeguard their fleets and reduce their overall risk exposure.

Moreover, the data gathered from these systems enables you to have personalized feedback and recommendations for your drivers. With insights into driver behavior, route conditions, and other risk factors, this technology helps companies proactively address issues before they escalate, ensuring a safer environment for both drivers and the businesses they support.

Technology alone isn’t enough to guarantee safety. That’s why we pair these innovations with targeted training programs designed to meet the unique needs of our policyholders. One growing challenge for many companies is an aging workforce. The average age of truck drivers is increasing, and with it comes agerelated risks like slower reaction times and physical fatigue. Forestry Mutual’s driver training programs focus on mitigating these risks by promoting defensive driving techniques, health and wellness, and the importance of regular breaks to combat fatigue.

Through this comprehensive approach—combining technology with tailored safety programs—Forestry Mutual helps businesses reduce accidents and keep their drivers safe.

How Forestry Mutual Can Help You

In today’s commercial auto market, businesses need a partner who understands their unique risks and can provide tailored solutions. At Forestry Mutual, we offer a range of services designed to help policyholders stay ahead of industry trends, implement effective safety measures, and ultimately protect their bottom line.

Our loss control services include on-site safety evaluations, driver training programs, and access to cutting-edge safety technologies, all aimed at reducing accidents and improving safety. By staying informed about industry trends and leveraging advanced technologies, our policyholders can improve their chances of maintaining preferred insurance pricing while keeping their operations running smoothly.

To learn more about how Forestry Mutual can help your business manage its auto exposure and reduce risk, contact your Loss Control Representative. We’re here to support your business, ensure your safety on the road ahead, and demonstrate our commitment to you, our valued policyholder.

FMIC 4TH QUARTER 2024

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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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FMIC 4TH QUARTER 2024

FMIC 4TH QUARTER 2024

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"I LIKE BEING THE BIGGER PERSON ON THE ROAD. IT FEELS A LITTLE SAFER."

By Scott Bunch

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MIC has the pleasure of introducing Mr. Jeremy Hall, a 31-year-old truck driver for Triangle Forest Products based out of Apex, North Carolina. Mr. Hall has been with Triangle Forest Products for over three years, and the company has been with FMIC for 24 years. Mr. Hall's previous work included truck driving, primarily transporting sand, dirt, and gravel and hauling dump trucks and other heavy equipment and machinery.

While Mr. Hall's family is not in the trucking industry, he remembers a family friend bringing home different trucks for different jobs. He said, "I found this interesting, and it drew me to trucks and the different services they provide." My dad worked in construction, and my mom worked in a carburetor factory for over 30 years. "I started driving trucks; for me, it was the next step up.” "It provided a different atmosphere versus just working at the same location all day, every day." Mr. Hall enjoys it when he gets to see different scenery and parts of the state and local area he never knew existed.

"The truck is a reflection of you."

Mr. Hall has had his CDL license for over six years. He started in the warehouse at Nobel Oil in Sanford. He said, "The company started me operating a forklift in the warehouse as a temp, and when I was offered a full-time position, I was introduced to other trucks and equipment." "They encouraged me to get my CDL, so I did, but I could not drive for them due to lack of experience. So, I started dump trucking, and it has progressed from there." Mr. Hall has driven dump trucks, vacuum trucks, roll-off trucks, and pulled dump wagons/trailers. He listed some equipment he halls, “framed end dump” and “frameless end dump”, which he states have different danger levels. Mr. Hall has also operated tanker trailers for oil and elliptical trailers for powdery substances. It is easy to surmise that Mr. Hall has many trucking skills.

When asked what he likes about trucking, Mr. Hall responded, "I like being the bigger person on the road. It feels a little safer." He feels you can see the road differently in a truck. Mr. Hall shared that he enjoys the lights and chrome on a clean truck and believes the truck can differentiate between just a driver and a driver who enjoys what he does. His words, "The truck is a reflection of you." Mr. Hall said his dislikes are trying to maneuver through traffic, it is not one of his favorite things. He also feels that the mindset of some drivers, that "it is just a paycheck,"

is bothersome. Some drivers' focus is on something other than the road where it needs to be, which makes it dangerous. Mr. Hall believes there is complacency in some drivers, which can impact whether you make it home at night.

Mr. Hall shared his daily routine, which starts around 5:30 am. Mr. Hall summarized his morning routine, "I get up and grab a Mountain Dew and take a sip. I get dressed, brush my teeth, and pack a lunch box for the day. I kiss my wife and little girl goodbye and roll out." He begins by popping the hood of his truck to check the antifreeze and oil. He also checks the tires for wear and tear and belts for serviceability. Mr. Hall's day always begins with a routine pre-trip inspection. He said, "I like to start it up and let it warm up a little."

The tasks of the day depend on where the wood tracks are. Mr. Hall mentions safety as the foremost priority. He is a critical component in moving heavy equipment, such as loaders, skidders, and dozers, from one site to another during site transition, so staying focused on the safety of equipment and environmental conditions is essential. Mr. Keith Taylor, Mr. Hall's supervisor, is well pleased with Mr. Hall and praises him for being conscientious, productive, flexible, and safe. He reports that Mr. Hall uses his head to make decisions that impact the company.

He adds that Mr. Hall is a people person; you can put him on any crew, and he will get the job done.

Mr. Hall reports that he tries to get home each night with an empty truck, but sometimes, he has to bring a load home. If that is the case, he gets up early and runs the load first thing. "If I have a load that I brought home, I try to make sure I am up early to run the load so I am there when the mill opens." Sometimes, the team must work late into the night or get up around 1230 or 0100 for a 2-hour, one-way trip.

Mr. Hall said his typical day ends around 4:30 or 5:30 pm, depending on how quickly the team gets things done and what the needs are.

When asked how driving has changed over time, Mr. Hall said he is slightly biased. He said only some have traditional values, but he was raised traditionally to respect the opinions of the older, more experienced generation. Mr. Hall said he sees drivers who desire strict scheduled hours but believes the job requires flexibility. Mr. Hall thinks that some newer drivers fail to embrace safe driving and dedication, which can lead to injuries and accidents. Mr. Hall feels that some drivers lack courteousness and commitment to getting the job done by pitching in and doing their fair share. Work ethics have changed over the past 20 years, affecting the industry.

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FMIC 4TH QUARTER 2024

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By Jimmy McCraney

IMPROPER HAND PLACEMENT CAUSES SERIOUS CONCERN Our Loss Control staff compiles an interesting database on accident claims that may assist you in accident prevention. We use the database to track trends in specific areas that let us know where accidents are occurring. As we visit Policyholders, the areas identified are special interest items that we discuss with employees, supervisors, and management. One particular area of concern throughout 2023 that constantly had one of the highest trends was “Improper Hand Placement.”

Hands and fingers were reported among the most frequently injured body parts. When you think about how much we use our hands, it’s not hard to understand why injuries to the fingers and hands are common. Whatever you’re doing, your hands are on, involved in any task you complete. It has been reported that nationwide there were 530,000 disabling hand and finger injuries. Nearly one out of four on-the-job accidents involved hands and fingers.

To help reduce these injuries, it is important for employees to learn more about hand and finger hazards.

Placing more emphasis on the safety of your hands while completing workplace tasks could have prevented most injuries. While almost anything in the workplace can be a hand hazard; about 75% of all hand related injuries are caused by pinch points. Unguarded machine parts such as: chain/sprockets, belt/pulleys, and rotating shafts that have a habit of catching you when we aren’t looking.

Our claims database indicates that guards are your best protection from getting your hands or fingers caught and injured by tools, equipment, and machines. Many maintenance operations are being conducted without replacing machinery guards after maintenance is completed. First, it’s the responsibility of each employer to make sure that every tool or piece of equipment has the proper guards. Second, it is up to employees and supervisors to see that the guards stay in place and in a serviceable condition. Otherwise, the tool or machinery must not be used.

Another serious contributor to serious hand and finger injuries is applying bad work practices and the misuse of use of unprotected or faulty machinery or equipment. Failures to use push-sticks, follow appropriate lockout/tagout procedures, or emergency shut-off switches, contribute to many accidents. And the wearing jewelry, gloves, or loose-fitting clothing around moving parts is the cause of many injuries.

One approach to identifying hand hazards is to conduct a risk assessment of all operations throughout your workplace. This is where you conduct a documented inspection to identify hand hazards associated with each task and determine the level of risk (the likelihood of that hazard causing a hand or finger injury) involved in that task. Then, you determine the preventive measures needed to eliminate or reduce the risk.

The use of personal protective equipment and/or change in the way a task is completed can prevent employee exposure to the potential hazard.

Perhaps the best approach to identifying hand hazards is to ask your employees. They are familiar with the equipment, tools, procedures, and demands of the job, and are more likely to buy into a safety measure that they helped determine and believe will work. Without their input and involvement, a safety program will not be successful. Also, anyone who might come in contact with the machine (hazards) should be involved in deciding how to safeguard workers from the hazards.

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FMIC 4TH QUARTER 2024

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

FMIC 4TH QUARTER 2024

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SAW SHOP

By Greg Helton, Chainsaw & Logging Safety Trainer

Under Pressure! (Part 2)

I

n the Second Quarter, we discussed hydraulics and tanks that are under pressure. There are other areas that are under pressure that we could discuss. We know there are pressures with operating the business, navigating the markets, dealing with employees or the lack of, and just making ends meet. I have talked to several people all around the industry and I have not found anyone with all the answers. So, let’s talk about an area of pressure that I might can give you some solutions for. That is the pressure of loaded limbs and tops.

Almost every year we see a claim where the chainsaw operator is injured due to a limb or top under pressure. Most commonly, the claim happens after the tree has been dropped and the sawyer is bucking or limbing the stem. Limbs that are held by the ground or another tree are considered loaded limbs. There is tension on the outside of the limb and compression on the inside. If a cut is made too deep on the inside of the limb, it can cause the chainsaw to be hung. If the cut is made on the outside of the limb, the stored energy is released rapidly and can cause severe injury.

Another common issue is with the top of the tree.

When the sawyer reaches the minimum diameter for merchantable timber, they must release the remaining portion from the stem. At times, this top may have pressure from the way the stem is laying, from the terrain, or from the debris around it. As with the loaded limb, the rapid release of stored energy can cause severe injury or death.

Storm-damaged timber is also a setting for a lot of pressure. As we are in the middle of hurricane season, we see a lot of damage caused by strong

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winds. Sometimes the timber is blown down in straight-line winds and other times it is twisted up with each other. Either way, loads of tension and compression are present.

So, how do we combat these pressures and avoid injuries? Here are a few recommendations that may help to prevent that claim. First, if possible, use mechanized equipment to eliminate the pressure.

One of the safest ways to handle storm damage is by using equipment to sort out the mess before allowing a sawyer to go in. If the stored energy of a loaded limb hits the head of the cutter or the blade of the skidder, it will do far less damage than if it hits the leg of the sawyer.

Another good practice is to pull the tree to a cold deck where it can be limbed and topped. Many pressures are released by removing the tree from the position it landed in. The limb that had stored energy from being held by the ground, is now relaxed. The top, which was under pressure due to the terrain, is now in a flat, clear spot for easier sawing. The hazard of the stem rolling can be eliminated by pulling it to the cold deck. The debris that was entangling the top has now been released and may no longer pose a threat.

I understand that not every circumstance and situation will allow the use of mechanized equipment. There are times when the sawyer must be the one to deal with the pressures themselves.

Let’s look at a few safe practices and techniques that will help our sawyers mitigate these hazards.

The most important practice we can do is watch our body placement. If we can keep our bodies in a safe

Conventional

place, we can reduce the chance of an injury. Look the situation over before beginning to cut. Anticipate what the reaction of the limb or top will be when it is released. Position the body where it will not be in the path of danger if something moves.

Always try to work on the uphill side of the stem. If a stem is too big and must be cut from both sides, cut on the “bad side” first, but do not cut more than half of the stem. Then move to the uphill side to finish the cut. If the guide bar reaches all the way through the stem, cut the offside first. This can be done by reaching over the stem and letting the saw cut the opposite side from where you are standing. Then bring the saw back and take a step back. This allows you a little more distance between you and the stem.

If there is a sudden release of energy, you will have a little more time to react.

Top Locks

When the top is to be removed from the stem, look for the compression and tension. Look at the points of contact on the stem. If the cut is to be made between two points the stem is touching the ground, the compression is on top, and the tension is on the bottom. If the stem is only touching the ground on one side of the desired cut, the compression is on the bottom and the tension is on top. If the compression is on top, make the top cut first. As pressure is observed by the kerf closing or the saw being pinched or bound, pull the saw out and make a cut coming up. Be sure to offset the cut towards the butt of the stem to create the “lock”. If no pressure is observed, continue the cut until it is severed.

If the compression is on the bottom, the top lock can still be used, but the sequence will be opposite, and the offset will be away from the butt.

Tongue and Groove Lock

Limb Locks

The hazards with limbs under pressure can be mitigated by using a Limb Lock. With the body positioned outside of the swing area of the loaded limb, make an inside cut. When pressure is noticed (compression), pull the saw out and make an offset cut on the outside of the limb. The key is watching the kerf of the saw. Many toppers continually hang the saw because they fail to watch the kerf. These two cuts create a shelf for the limb to sit on and keep the stored energy from rapidly releasing. Once the stem is pulled by the skidder, the limb will break off.

The Tongue and Groove Lock is very helpful when the stem is on a hillside and there is potential of it rolling. This cut is made with three cuts with the first being a bore cut. Once the bore cut is all the way through the stem, pull out and offset to one side or the other. Make a cut from the top down until it passes the bore cut. Pull the saw out and do the same on the bottom, in line with the top cut. This creates a lock that resembles the tongue and groove hardwood flooring. The distance between the bore cut and the up and down cut should be determined by the amount of pressure the stem is under. If heavy pressure is anticipated, a longer tongue should be used.

Another situation where a Tongue and Groove Lock is helpful is with a blown-down tree. Many times, the stem is cut, and the root ball falls back into the FMIC 4TH QUARTER 2024

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Limb Locks -cont.

Truck Driver Spotlight -cont.

hole or continues falling over the stem. By inputting a Tongue and Groove Lock, the stem and root ball remains in the same position. The machine can pull the stem causing the lock to break. The root ball can then fall wherever it wants and the sawyer can be in a safe position.

Spring Poles

The last area to discuss with pressure is Spring Poles.

Spring Poles have injured many toppers and hurt their pride also. A Spring Pole occurs when the stem pulls a small tree over with it but does not break it. The key to Spring Poles is body placement. The body needs to be 45 degrees from the arch of the spring pole. The next key is finding the “sweet spot”.

This is done by drawing an imaginary line from the ground at the back of the spring pole and across the arch. Where these two lines meet, go down toward the stem at a 45-degree angle. The underside of that location is the “sweet spot”. From the 45-degree position, shave the underside of the spring pole. This will allow the tension to slowly release. Remember, if possible, do not attempt to cut a spring pole. Use a machine to remove the spring pole.

With all the pressures that we are facing today, maybe these few suggestions will help mitigate the hazards of the pressures of limbing and topping. As always, if you would like to request training for your employees, just reach out to your Field Representative. Stay safe and watch that body placement!

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Mr. Hall believes in "just getting that one more load, and sometimes you've got to give a little more." Mr. Hall knows that succeeding under pressure has helped him succeed as a driver. He sets a standard and strives to go above that all the time. Mr. Hall defines success as "working hard enough to be satisfied with what you do." He believes finding gratification in your work helps drivers continue and be more successful. He said, "If you set a high standard, it is hard to go backward. You must keep that high standard, and eventually, you will stand out and be seen."

Mr. Hall shared tips for drivers just starting. He said, "Be patient; it is easy to get discouraged. Just be patient and work hard. You may not feel your patience is not going to pay off, but it will. You can't deny hard work and dedication." He also encouraged new drivers "not to be afraid to learn something new. Try to learn. It will benefit you somehow, someway."

Mr. Hall's family comprises his wife, Barbie, and daughter Alana. He has been with his wife for 11 years but has known her for 17 years. He and his family enjoy riding 4-wheelers and swimming in their pool. They enjoy family gatherings and a good game of cornhole. "Trying to spend time with family and be present is how we like it." Only a few people outside his close circle and family know how dedicated he is to his family and career. He believes it is easier to be transparent and dislikes those who don't tell the truth. He prides himself on openness and honesty with those close to him and with strangers.

Mr. Hall stands out as a family man, a vital trucking community member, and one who believes in honest work with safety in mind.

From all of us at FMIC, we want to let Mr. Hall know that we appreciate his commitment and pride in truck driving.

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Risk Assessment -cont.

Proper hand placement on all tasks is a serious concern in the workplace, and the evidence (accident claims) is proving it. It is crucial to encourage your employees to identify the hazards and assist them in eliminating the concerns. It is the employers’ responsibility to ensure employees leave the workplace/worksite as they arrived; with all body parts intact. If your company requires assistance in conducting a risk assessment to identify hand hazards or other workplace hazards, please contact Forestry Mutual (800-849-7788) or our FMIC Safety Trainer, Jim McCraney (704-301-2919). We will gladly schedule a visit to your location to provide any assistance that you may need in workplace safety.

SAWMILL SAFETY BOOKLET

ASK YOUR LOSS CONTROL REPRESENTATIVE FOR DETAILS!

FMIC 4TH QUARTER 2024

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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 16

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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.

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MISSISSIPPI

Mississippi Forestry Association

FORESTRYWORKS HAS AN EXPANDED PRESENCE IN MISSISSIPPI Casey Anderson,

Mississippi Forestry Association Executive Director

partnerships and relationships we have with other industry organizations in the state and across the country. Early in the year, we were able to work with Senator Cindy Hyde-Smith, Mississippi Farm Bureau Federation, and Mississippi Loggers Association to secure a provision allowing vehicles with a Mississippi State Harvest Permit 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 achievement would not have been possible without the intentional collaboration between like-minded groups.

We are also excited that ForestryWorks has an expanded presence in Mississippi with the addition of the Mississippi Lumber Manufacturers Association (MLMA). MFA is still the ForestryWorks partner in Mississippi, but an advisory council will be formed that includes representatives from MLMA. MLMA has a great understanding of what their mill members need regarding workforce development efforts, so together, we will be able to expand our outreach and advertising efforts and bring new workers and talent to our industry.

MFA recently exhibited at the meeting of another long-term partner, the Mississippi Chapter of the Society of American Foresters. Over 100 attendees attended the two-day educational event, and MFA had a joint exhibit with the Mississippi Sustainable Forestry Initiative (SFI) Implementation Committee to share information about what MFA and SFI are doing to promote sustainable forestry in Mississippi.

For our landowners, MFA’s partnership with Forestry Mutual and United Risk Advisors provides a variety of insurance program options at discounted rates. It’s just an added benefit of MFA membership, and we appreciate the opportunity to work with these insurance partners.

Fall is here, and with it, have come slightly cooler temperatures. This means it is time for Mississippi Forestry Association’s (MFA) 87th Annual Meeting at The Refuge Hotel and Conference Center in Flowood, Mississippi. If you live in Mississippi and need education hours for your Professional Logging Manager certification or your forester’s license, or if you just want to have fun while learning more about forestry, join us October 23-25, for this time of education and networking.

This year has been a year of great progress for MFA, and much of that success is directly attributed to the

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Each of these long-term relationships and partnerships benefit all levels of the forest industry in Mississippi and are at the heart of what we do each day. If you are not already a member of MFA, join today to be part of the Voice of Forestry in Mississippi.

our members reduce accidents and costs every year.

With FMIC’s involvement, the ProLogger Program consistently sees success, adding approximately 100 new members to its ranks and providing continuing education to approximately 1300 loggers per year.

NORTH CAROLINA North Carolina Forestry Association

LONG-TERM RELATIONSHIPS MAKE THE BEST PARTNERSHIPS John Hatcher,

In addition to FMIC’s contributions to the ProLogger program, their team remains active on the NCFA board of directors as well as its safety, logging and transportation committee, and they have played a huge role in the production of the Mid-Atlantic Logging, Biomass and Landworks Exposition.

The NCFA is proud to be celebrating 53 years of partnership with FMIC. Long-term relationships really do make the best partnerships, and we see the proof every day. Here’s to 53 more!

2024 PROLOGGER BASE CLASS: WAYNE COMMUNITY COLLEGE

North Carolina Forestry Association Executive Director

53 Years of Dedicated Partnership

The North Carolina Forestry Association’s (NCFA) partnership with Forestry Mutual Insurance Company (FMIC) began in 1971 with the inception of the North Carolina Forestry Association’s Self-Insured Fund. The mission then was to provide affordable workers compensation insurance for the forest products industry and develop safety programs to keep loggers safe and stabilize insurance rates. Over time, the Self-Insurer Fund evolved to become Forestry Mutual Insurance. While the structure has changed over time, their mission and partnership with NCFA has remained the same.

In 1994, the NCFA and FMIC teamed up with the North Carolina Department of Labor, the North Carolina State Highway Patrol, and the North Carolina Forest Service to develop the ProLogger Program, which promotes business, safety and environmental stewardship in the logging sector. The ProLogger Program – which celebrated its 30th birthday this year! –continues to be first in class thanks to the data-driven insights that FMIC brings to the table each year. Their analysis of claims and current incident trends in the industry helps guide NCFA’s development of content that is timely, relevant and will help

2024 PROLOGGER BASE CLASS: MONTGOMERY COMMUNITY COLLEGE

2024 PROLOGGER BASE CLASS: McDOWELL TECH COMMUNITY COLLEGE

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JERRY BYRD AND FAMILY 2024 MASTER LOGGER OF THE YEAR

TENNESSEE

Tennessee Forestry Association

FMIC, TFA, MASTER LOGGERS AND WOOD INDUSTRY: PARTNERING FOR THE LONG HAUL Candace Dinwiddie

Executive Director, Tennessee Forestry Association

The Tennessee Forestry Association appreciates our Master Loggers and our wood industry in our state. In many cases these logging contractors and mills are family enterprises that have supported local communities for generations. We also believe thanks to the commitment from our loggers and industries as well as forest landowners, our forests are healthier today due to implementation and prioritizing of sustainable management and harvesting practices.

TFA congratulates Jerry Byrd and his wife Sarah from Unicoi, Tennessee for being selected as the 2024 Master Logger of the Year. Jerry is a long-term client of Forestry Mutual and appreciates the personal relationships with FMIC staff and the outstanding loss control services. Jerry’s family has been in the logging industry for decades in Northeast Tennessee. TFA believes logging families like the Byrds leave a legacy of their hard work in the woods but also so recognized for the support they provide rural Tennessee where the wood industry is vital to small towns and economically distressed counties.

TFA also is so proud of our organization’s endorsement of the Forestry Mutual Insurance Company to serve our loggers and forest industry for all

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insurance needs. TFA endorsed FMIC in October, 2008. Since that time logging in Tennessee has become much more professional with safety as a top priority. In Tennessee, FMIC’s name is synonymous with the very best safety training for loggers and mill operations.

FMIC is a true partner helping loggers and industry operate productively while ensuring top-notch training to make sure crew members make it home to family and friends each night. Forestry Mutual Insurance has also partnered with the Tennessee Dept. of Agriculture and Tennessee Future Farmers of America to train tomorrow’s workforce on safety during the past several FFA Forestry Camps held in the Volunteer State. This partnership is so appreciated and unique, and FMIC staff is well recognized and respected by our Commissioner of Agriculture, FFA instructors and the hundreds of students who have learned to make safety a top priority in their forestry careers.

TFA thanks FMIC for the tremendous support provided our organization since our partnership kicked off in 2008. As Executive Director of TFA, I tend to look back on all the positives that we have accomplished during the past 30 years. The endorsement and partnership with FMIC top my list. A The 1,800+ TFA members deeply appreciate FMIC’s leadership, staff, agents and loss control personnel.

FMIC has changed our industry and our association

Business owners/VLA members have grown older with Eddie and our members and industry are stronger because of Eddie and other FMIC staff members like him.

VIRGINIA

Virginia Loggers Association LONG-TERM RELATIONSHIPS MAKE THE BEST PARTNERSHIPS

Just imagine your business success without the advantage of the constant high-quality safety messages delivered directly to your employees or through special workshops designed to make everyone more aware of the hazards and risks of one of the most dangerous jobs.

Without folks like Eddie helping us through our daily challenges, things might be very different. Insurance premiums could be even higher! And who knows what our safety records might look like if we did not have that constantly available reinforcement safety messaging from Eddie and his associates at FMIC.

Ron Jenkins,

Executive Director, Virginia Loggers Association

People who first find common ground (mission), goals, and objectives also find ways to execute more effectively together than alone. Virginia Loggers Association is proud to say it has many great relationships and we believe these have led to many great successes for our trade association.

One relationship with the people of Forestry Mutual Insurance Company led to a highly effective longterm partnership with the VLA. For almost two decades Eddie Campbell has been one of the FMIC associates who has always been available to VLA. Eddie has given counsel and served VLA members with their insurance accounts with top quality service and the highest level of professionalism.

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FORESTRY MUTUAL INSURANCE COMPANY SM

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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Proudly Endorsed by Regional Associations!

CAROLINA LOGGERS ASSOCIATION

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