Glencar Insurance Company, part of the Hannover Re Group, is introducing its ELEMENTAL Commercial General Liability Forestry Program in Tennessee, marking the expansion of a program that has operated for over two decades in other states. Filed on July 14, 2025, and pending approval, the program targets forestry-related exposures with customized coverage and endorsements. Glencar, domiciled in Wisconsin, anticipates writing $50,000 in direct premium within the first year, including $5,000 from optional coverages.

The program will be administered through a managing general agency and may involve the Forestry Services Risk Purchasing Group. Glencar, an ISO member, will follow ISO’s general liability rules and rates.

New endorsements introduced with the program include coverage for prescribed burns, professional forester liability, and medical payments for hunt club members. Key additions like the Premium Basis Endorsement and Limitations on Multiple Policies are mandatory, while optional add-ons provide flexibility for specific forestry operations. Endorsement charges range from no cost to flat fees of up to $1,800, depending on coverage limits.

This is a neutral rate filing with no impact on existing policyholders, as it introduces a new program rather than modifying an existing one.