Fabricators · Mass-Timber Contractors · Nationwide

Insurance built for glulam & mass timber.

Most contractor policies exclude the risks that define your work — laminating-press property, structural-member product liability, adhesive pollution, and oversize-beam hauling. We write coverage that actually does, for glulam fabricators and mass-timber contractors.

15-minute quotes2-hour claims responseLicensed all 50 states20+ years insuring contractors
Modern mass-timber building under construction with long exposed glulam beams and arches

8 lines

of coverage coordinated into one glulam program — plant to jobsite

NPN #8608479

Licensed all 50 states

  • Licensed in all 50 states
  • Founded 2005 — 20+ years
  • Former contractor on staff
  • 15-minute quote turnaround
  • 2-hour claims response
  • A+ carrier partners
What we insure

Eight lines of coverage, written for glulam & mass timber.

A generalist policy leaves the plant equipment, structural-product liability, adhesive pollution, and crane exposures uncovered. We build programs that close those gaps — from the laminating line to the top of the structure.

General Liability Insurance

Third-party bodily injury and property damage coverage built for glulam fabricators and mass-timber erectors — jobsite accidents, beam-handling claims, and completed-operations exposure.

Explore coverage

Property & Equipment Breakdown

Property and equipment-breakdown coverage for the heart of your operation — hydraulic laminating presses, RF curing systems, kilns, and adhesive storage that standard property undervalues.

Explore coverage
High stakes

Product Liability & Completed Ops

High-stakes product liability for fabricated structural glulam members — the coverage that responds when a beam, arch, or column is alleged to have failed years after installation.

Explore coverage

Workers' Compensation

Coverage for the crews running presses, saws, and cranes — the press injuries, lift strains, saw lacerations, and fall exposures real to glulam fabrication and mass-timber erection.

Explore coverage

Commercial Auto & Inland Marine

Coverage for the flatbeds, lowboys, and hotshot trucks hauling oversize glulam beams — plus the cranes, rigging, and mobile equipment that move them onto the structure.

Explore coverage

Builder's Risk Insurance

Course-of-construction coverage for mass-timber buildings while glulam framing is going up — fire (the critical mass-timber exposure), theft, wind, and water during erection.

Explore coverage

Pollution Liability

Contractors pollution liability for the phenol-resorcinol, polyurethane, and isocyanate adhesives used in laminating — the chemical and vapor exposure standard GL excludes.

Explore coverage

Professional Liability (E&O)

Errors & omissions coverage for the engineering and specification side of glulam — design loads, connection detailing, and structural-engineering claims on design-build mass-timber work.

Explore coverage

Not sure what you need? Get a coverage review →

Why glulam operators switch to us

The coverage gaps that cost engineered-wood operators the most.

Most agents hand a glulam fabricator or mass-timber contractor a generic contractor policy and call it done. Then a press fails, a structural-member claim surfaces, or an adhesive spill happens — and the exclusions kick in. We underwrite the parts of your work everyone else leaves out.

Former contractor on staff

Josh Cotner worked in the trades before founding CCA in 2005. He reads your loss runs, understands a laminating press and a connection detail, and knows what a structural claim really costs.

We know the laminating plant

Your hydraulic press, RF curing system, kilns, and adhesive storage are the bulk of your property value — and most agents insure them like generic machinery. We schedule plant equipment at real replacement cost and write equipment breakdown that covers press and kiln failure.

Product liability built for structural members

A fabricated glulam beam or arch can carry load for a century — and the product-liability tail is just as long. We place the high-limit product and completed-operations coverage that a generic GL policy under-prices and under-covers.

Adhesive pollution exposure, covered

Phenol-resorcinol, polyurethane, and isocyanate adhesives are chemical hazards your GL excludes as pollution. We write contractors pollution liability (CPL) that closes that gap — essential for any laminating operation.

Run by a former contractor

Josh Cotner spent years in the trades before founding Contractors Choice Agency in 2005. He reads your loss runs, understands shop and jobsite exposure, and speaks the language of engineered-wood manufacturing.

Oversize hauling & crane risk, written correctly

Moving an 80-foot glulam beam on a lowboy and lifting it with a crane is a specialized exposure. We write commercial auto for oversize transport and inland marine for the cranes, rigging, and mobile equipment your erection crews depend on.

Coordinated programs, honest pricing

Fabrication, hauling, and erection each carry different risks — we coordinate them into one program with no overlapping or missing coverage. Often that coordinated structure costs less than your current standalone policies.

How it works

From quote request to bound program in about a day.

No two-week back-and-forth. A real conversation, real specialty markets, and a program you can actually understand — built around your glulam plant, your erection crews, or both.

Step 01

Tell us about your operation

A 15-minute call or quote form. We learn whether you fabricate, erect, or both — your plant equipment (presses, kilns, RF curing), the beams you produce or install, your crew, and the carriers that have declined you.

Step 02

We shop specialty & E&S markets

Glulam and mass-timber risk lives outside standard contractor appetites. We have the admitted and excess-and-surplus carrier relationships that actually write engineered-wood fabrication, product liability, and mass-timber erection.

Step 03

Bind a program built for glulam

Property for the laminating plant, product liability for structural members, workers' comp, pollution for adhesives, and crane/auto for the install side — coordinated so there are no gaps between fabrication and erection.

Step 04

Claims support that answers fast

When a loss hits — a press failure, a beam-damage claim in transit, a completed-operations suit — you reach a person who understands engineered wood, not a queue. 2-hour claims response, every time.

Start my quote

Or call 844-967-5247 — usually answered live.

Where we write

From the Cascadia corridor to the Southeast. Licensed in all 50.

We're based in Chandler, Arizona, and we know the regions where mass timber actually gets built — the Pacific Northwest manufacturing belt, the fast-growing Southeast construction market, and the Mountain West resort and civic projects. Because we're licensed nationwide, your program follows the work wherever it takes you.

  • Pacific NorthwestThe center of North American mass-timber manufacturing — glulam plants, CLT facilities, and design-build timber firms across OR, WA, and ID.
  • Southeast U.S.Fast-growing mass-timber construction market — glulam erection on arenas, schools, and mid-rise offices across NC, SC, GA, and VA.
  • Mountain WestColorado, Utah, Montana — heavy-timber resort, civic, and residential work with crane-erection exposure.
  • NortheastTimber-frame tradition meets modern mass-timber — fabrication and erection across New England and the Mid-Atlantic.
  • MidwestWisconsin, Minnesota, Michigan — engineered-wood manufacturing and agricultural/civic heavy-timber construction.
  • SouthwestOur home base. Arizona, New Mexico, Nevada — desert mass-timber projects and our Chandler HQ.
Licensed & writing in all 50 states — NPN #8608479
Finished interior of a modern mass-timber building with exposed glulam beams

Engineered wood, coast to coast.

We insure glulam plants and mass-timber crews from Oregon to the Carolinas.

0+

Years insuring specialty contractors

0

States licensed & writing

0 min

Average quote turnaround

0 hr

Claims response guarantee

From glulam fabricators & mass-timber contractors

Operators who stopped fighting their insurance company.

Our laminating press alone is a seven-figure asset, and every generalist carrier we talked to wanted to insure it like generic machinery. CCA scheduled it properly and built an equipment-breakdown program that actually reflects a glulam plant. Night and day.

Dale H.

Operations Manager, glulam fabricator · Pacific Northwest

After a completed-operations claim on a curved roof arch, our old carrier tried to walk it back to a workmanship exclusion. The product liability program Josh placed responded the way it was supposed to. That's the difference between an agent who knows engineered wood and one who doesn't.

Marisol R.

President, mass-timber contractor · Southeast

Hauling 80-foot glulam beams on a lowboy is its own world of permits, escorts, and exposure. They wrote our commercial auto and inland marine for what we actually move — not a generic fleet rate. The crane and rigging coverage came together in the same program.

Tom B.

Owner, timber erection company · Mountain West

Questions, answered

Glulam insurance, in plain English.

Three reasons. First, a fabricated glulam beam is a structural product carrying load for decades — that creates a long-tail product-liability and completed-operations exposure most standard GL policies under-cover or mis-price. Second, the laminating process uses chemical adhesives (phenol-resorcinol, polyurethane, isocyanates) that standard GL excludes as pollution. Third, the plant equipment — hydraulic presses, RF curing, kilns — is high-value and needs real property and equipment-breakdown coverage. We work with specialty and E&S carriers that understand engineered-wood manufacturing and mass-timber construction.

Effectively, yes. The adhesives used in laminating — particularly phenol-resorcinol and isocyanate-based resins — are classified as pollutants, and most general liability policies exclude pollution. That means a vapor, spill, or indoor-air-quality claim can be denied under your GL. Contractors pollution liability (CPL) covers that exposure and is considered essential for any laminating operation or shop applying finishes and resins.

It depends on whether you fabricate, erect, or both — plus your plant equipment value, annual revenue, crew size, types of structures (residential, commercial, arenas, bridges), loss history, and limits required by project owners. A small timber-frame erection crew insures very differently than a full laminating plant. Because we shop multiple specialty markets, we'll show you real side-by-side quotes in about 15 minutes — call 844-967-5247.

Yes. We schedule laminating-plant equipment — hydraulic presses, RF curing systems, kilns, adhesive storage, and saw lines — on property and equipment-breakdown policies at replacement cost. Equipment breakdown covers the mechanical and electrical failure of presses and kilns, including the costly business-interruption that follows. Generic property policies systematically undervalue this equipment; we don't.

Often, yes. Non-renewals tied to a structural-member claim, a loss run, an OSHA citation, or simply the carrier's exit from engineered-wood appetite are common in this niche and don't automatically disqualify you. We have access to excess-and-surplus (E&S) and specialty admitted markets built specifically for harder-to-place manufacturers and contractors. Tell us what happened and we'll find a home for your coverage.

Contractors Choice Agency is licensed in all 50 states (NPN #8608479). We write glulam and mass-timber coverage from the Pacific Northwest manufacturing corridor to the Southeast construction market — and everywhere the work takes you. One agent, one program, nationwide.

15-minute quotes · 2-hour claims response

Get the glulam coverage your current policy is missing.

Whether you need product liability for structural members today or a full program shopped across specialty markets, one call gets you real quotes — not a voicemail and a two-week wait.

No obligation. No spam. Licensed all 50 states.