Insurance for Consulting Foresters

We are here to protect you from the dangers in the woods.

Philadelphia Insurance Companies’ (PHLY) Consulting Forester program, endorsed by ACF, is is designed to cover the unique risks faced by consulting foresters on a daily basis.  The program provides General Liability and a specific Foresters Professional Liability endorsement for university educated professionals providing a variety of services to public and private landowners.

Eligible activities include:

  • timber cruising
  • timber inventory
  • determining boundary lines
  • forest management planning
  • conducting growth studies
  • wildlife management
  • timber sales
  • reforestation
  • performing property inspections
  • controlled or prescribed burning
  • pesticide or herbicide application
  • surveying

General Liability coverage provides protection for you and your organization for property damage or bodily injury to third parties as the result of actions for which you are held legally responsible.  Errors and omissions professional liability insurance protects against liability arising from mistakes in the performance of professional duties. 

General Liability
• Comprehensive General Liability - available limits:
 - $1M/$500,000/each occurrence
 - $2M/$1M/$500,000 aggregate
• Employee Benefits Liability
• Damage to premises rented to you - $100,000
• Medical payments - $5,000
• Available coverage options:
 - Watercraft Liability
 - Most ISO endorsements

Forester Special Liability Coverage Endorsement
• Coverage for pesticide or herbicide application
• Coverage for smoke damage Liability
• Optional Expanded form provides coverage
for appraisals
• Limited testing or consulting errors and omissions
- available limits:
 - $1M/$500,000/$250,000/$100,000
 each occurrence
 - $1M/$500,000/$250,000/$100,000

Umbrella/Excess Liability
• Large Excess Limits available

The Consulting Foresters Special Insurance Program offers a 20% discount on the General Liability and Errors & Omissions coverage for ACF members. The General Liability premium calculation is based upon company payroll. Errors & Omissions—otherwise known and Foresters Professional Liability—is based upon the number of foresters and forestry techs employed. PHLY offers GL occurrence limits of $500,000 or $1,000,000 and E&O limits of $100,000, $250,000, $500,000, or $1,000,000. The coverage is subject to a minimum premium of $1000 for foresters with no prescribed burning exposure and $2000 for those with burning exposures. 


  • Inland Marine (equipment, to include tractors, ATVs, misc. tools, and computer coverage)
  • Property (owned or rented offices, business personal property - furniture office supplies, etc.)
  • Cyber Liability (to protect personal/sensitive information collected from customers)
  • Commercial Auto (scheduled vehicles, including trailers)
  • Drone coverage (both GL & physical damage available)

For more information on our General Liabilities and Errors and Omissions Insurance, 
please contact Tom Skaggs, of Outdoor Underwriters, Inc., ACF's preferred agency. or (866) 961-4101

ACF insurance is underwritten by Philadelphia Insurance Companies (PHLY). PHLY designs, markets, and underwrites commercial property/casualty and professional liability insurance products, incorporating value-added coverage and services for select industries. PHLY has an "A++" (Superior) rating by A.M. Best Companies.

ACF's Preferred Insurance Agency

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