Built for the families that have built Oregon's coast for four generations. A coordinated commercial P&C program designed around Gold Beach Lumber's 10 locations, acquisition trajectory, and the specialty exposures that come with coastal multi-location retail.
WHY TEAM HAUGEN
Gold Beach Lumber is a four-generation, family-owned hardware and lumber operation that has served Oregon's coast since 1959. Founded by Clarence and Pearl Ringer in Hunter Creek as Home & Building Supply, the company has grown into a 10-location retail and contractor supply business operating across Curry, Coos, Jackson, and Jefferson counties. Today, Ryan Ringer leads the business as the fourth generation of Ringer family ownership.
GBL is in genuine transition. Three acquisitions in 2025 alone — including Hennick's Home Centers in Coos Bay and Dazey's Hubbards in Medford (the oldest hardware store in Oregon, established 1884) — plus a greenfield build under construction in Madras, have expanded the company's property schedule, employee count, vehicle fleet, and geographic footprint significantly. The insurance program needs to keep pace.
The Fit
Gold Beach Lumber needs more than a generic broker. They need a brokerage that understands multi-location retail, coastal Oregon catastrophe exposure, contractor-yard operations, and the pace of an active acquirer. That's exactly where Team Haugen operates every day.
10 locations across 4+ Oregon counties under multiple brand names need a single broker who can manage property schedules, WC experience mods, auto fleets, and umbrella layers across every location — not a patchwork of coverage from multiple agents.
Coastal Oregon lumber yards are a specialty placement. Wildfire risk, Cascadia earthquake exposure, and flood zones don't always fit standard markets. Team Haugen has access to specialty carriers and the construction/wood products experience to place these accounts correctly — not just cheaply.
Team Haugen's book includes construction, wood products, and building materials accounts. We understand the dual exposure of a contractor-facing supply business and can speak the language of risk management at the yard level.
Three acquisitions in 2025 plus a greenfield build in Madras means GBL's risk profile is changing fast. Property schedules, employee counts, vehicle fleets, and geographic footprint are all expanding. A broker who understands M&A integration and can keep coverage current with the pace of growth is worth the conversation.
GBL serves contractors and homeowners alike. Team Haugen understands both sides of that exposure — retail premises liability and the products/completed operations exposure that comes from selling materials used on jobsites.
Four generations of Ringers have built this company on community and trust. Team Haugen brings the same values — a team-based, relationship-first approach rather than a transactional renewal cycle.
Exposure Map
A coordinated read on where Gold Beach Lumber's operation creates meaningful P&C exposure — across 10 locations, an active acquisition trajectory, and a coastal Oregon catastrophe profile.
How Team Haugen Structures the Program
Four structural challenges, one coordinated program response.
Gold Beach Lumber operates 10 stores across Curry, Coos, Jackson, and Jefferson counties under multiple brand identities. Each location has its own property, WC, and auto profile — but they share one operational organization.
We coordinate one master program across every location — consolidated property schedule, aligned WC reporting, unified umbrella tower — so the back-office burden of running 10 stores doesn't multiply with each acquisition. One renewal cycle, one point of contact, one program structure sized to the whole operation.
Three acquisitions in 2025 plus a Madras greenfield mean GBL's risk profile is changing in real time. Each new location brings legacy exposure that has to be reunderwritten as it joins the program.
We treat acquisition integration as a brokerage discipline — each new property gets its own underwriting review, valuation refresh, and EPLI assessment before it merges into the master program. Madras's builders risk is structured as a standalone placement until occupancy, then folded into the consolidated property schedule.
Coastal Oregon retail is a specialty placement. Standard markets hesitate; specialty markets need to be sourced. The exposure profile is real — and growing.
We size BI/Extra Expense to a multi-location closure scenario — not a single-store loss — and place the program with carriers willing to underwrite coastal Oregon wildfire and Cascadia exposure on a long-term basis, not just the soft cycle. That means specialty market relationships built before they're needed.
GBL serves homeowners and contractors at the same counter. The premises liability profile of a retail store and the products/completed-ops profile of a contractor supply yard are different placements when handled by different brokers. They shouldn't be.
We structure GL/Products and Cyber as one coordinated placement so the contractor-yard risk and the retail-foot-traffic risk aren't living in two separate silos. Loyalty data and POS systems get cyber coverage sized to the actual customer base, not a generic small-retail tier.
Risk Servicing
HUB International Northwest's Risk Servicing team operates as an embedded safety partner — not an outside vendor. For a multi-location hardware and lumber operation like Gold Beach Lumber, this means risk professionals who understand lumber yard operations, forklift safety programs, retail premises exposure, fleet operations across rural coastal roads, and the workforce integration challenges that come with rapid acquisition.
Regular on-site engagement with operational teams — not annual policy reviews from a desk. Risk consultants walk the floor, assess actual conditions, and document trends across visits.
Targeted hazard reviews focused on the specific risk profile of multi-location lumber and hardware retail — yard operations, forklift handling, retail premises, fleet operations, and contractor-yard interactions.
Customized annual summaries documenting program performance, hazard trending, injury data analysis, and forward-looking risk priorities. Built for operational leadership, not just brokers.
Between visits, the risk team is reachable for specific questions — regulatory changes, new equipment installations, incident response, or program adjustments. Not a phone tree, not a ticket queue.
Market Depth
1,900
Clients
$53.9M
Annual Premium
Land management, harvesting operations, environmental compliance.
750
Clients
$44.2M
Annual Premium
Active timber operations, equipment-driven exposure profiles.
290
Clients
$194.5M
Annual Premium
Primary processing, heavy machinery, fire and dust management.
240
Clients
$80.7M
Annual Premium
TFL, MDF, particleboard, hardwood plywood.
1,000
Clients
$196.6M
Annual Premium
Furniture, cabinetry, architectural millwork, prefab building components.
600
Clients
$148.6M
Annual Premium
Distribution, warehousing, multi-location inventory exposure.
300
Clients
$16.6M
Annual Premium
Retail building products, contractor sales, end-customer interface — Gold Beach Lumber's segment.
Working across all seven segments means HUB sees the full picture — including the trends and pressures that are about to land in your segment before they arrive.
The Team Behind the Program
A dedicated commercial practice within HUB International Northwest, serving Oregon's industrial, agricultural, and manufacturing operators from Eugene.
SVP, Commercial Lines — Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Senior Advisor, Commercial Insurance
Private Client Risk Advisor
Private Client Account Manager
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Manager II, Workers' Compensation
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Team Haugen is ready to step in with an Oregon-based, retail-and-contractor-fluent team, full HUB International market access, and a program structure built around GBL's actual operation — every location, every brand, every acquisition.
SCHEDULE A CALL