The product facts behind the view.
- Paragon’s North American Timber Program addresses loggers, timber fallers, forestry services, chipping, log-road building, reforestation, timber dealers and log yards. [1]
- The program lists a loggers broad-form GL endorsement addressing fire suppression, damage to others’ timberland, loading or unloading damage, and timber trespass or overcut. [1]
- Commercial auto is described as part of the package for loggers and logging contractors; standalone auto and standalone log or chip haulers are not offered. [1]
- Paragon names Falls Lake Insurance for primary coverage and Arch Insurance Company for excess over the program’s GL and commercial auto. [1]
This is an individual program of Paragon Insurance Holdings. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A crew cuts across the property boundary
Who established and checked the boundary, and what does the logging contract require? Compare timber trespass and property-damage provisions.
A logging truck carries a non-timber backhaul
Was that activity disclosed and accepted? Review cargo, auto and any backhaul conditions before assuming the package covers it.
A mill requires higher fire-suppression limits
Does the proposed excess follow the relevant loggers endorsement? Compare the contract and underlying limits with the actual tower.
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Split receipts among felling, mechanized harvesting, chipping, road construction, hauling and other forestry work.
- Provide landowner or mill contracts, boundary controls, fire-prevention procedures and equipment and vehicle schedules.
- Identify property of others, cargo or backhaul activities and the requested primary and excess structure.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Paragon Insurance Holdings, LLC [2]
Program administrator
Falls Lake Insurance [1]
Primary insurer name used on the program page
Arch Insurance Company [1]
Excess insurer named on the program page
The program page uses the name Falls Lake Insurance for primary paper without providing a full legal-company identifier. Verify the precise Falls Lake entity, the Arch excess policy and the forms on the quotation. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Paragon North American Timber?
Choose “Get a quote with Paragon North American Timber” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Paragon North American Timber?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Paragon North American Timber.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Paragon North American Timber official product information ↗Checked November 1, 2026
- Paragon Insurance Holdings operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
The logging endorsement addresses distinctive losses.
NATP lists fire suppression, timberland damage and timber trespass or overcut within its loggers broad form. [1]
Describe boundary identification, authorization to cut and ignition controls. Ask how the proposed wording applies to the landowner contract and any hired crews, rather than treating general liability as a complete answer to timber-specific losses.
Commercial auto is tied to the logging operation.
The program says it does not write standalone auto or standalone log/chip haulers. [1]
Explain the relationship between harvesting and hauling, the vehicles used and any backhauls. A trucking-only business should not be made to look like a logger merely to fit the program.
Excess should follow the actual NATP structure.
Paragon describes excess over NATP general liability, loggers broad form and commercial auto. [1]
Bring the underlying forms, limits and desired contract limits together. Compare the excess treatment of the timber-specific endorsement and vehicle exposures instead of assuming every primary extension is followed.