Insurance for Pest Control Companies

Allow clients to fight pests, not claims, with insurance coverage designed to meet the unique needs of pest control companies. 

Battling bugs can be dangerous work, and is ever-evolving as new technologies arise. Companies need protection should a client or employee file a claim. Pest control work comes with significant risk of bodily harm from having to access difficult locations around homes and businesses as well as from a bite or sting from a pest. Claims may arise from injured employees or disgruntled clients. Help protect your clients from these very real possibilities by finding appropriate coverage!

pest control man

What Coverage Should Pest Companies Carry?

There are a number of types of coverages pest companies should consider carrying. In addition to these coverages, because of the high rate of exposure to liability that pest control companies face, they should consider adding an umbrella/excess policy.

  • General Liability: Covers property damage and bodily injury from third party claimants (property owners). Chemicals used in pest control may cause illness or injury to homeowners, small children, or pets, or may damage a homeowners property.
  • Worker's Compensation: Protects pest employees if they become sick or injured on the job. This will pay for medical costs and lost wages.
  • Property Insurance: Pest companies store a number of chemicals that may expose the business property to a number of exposures like incorrect storage, toxic fumes, flammability, theft and more.
  • Professional liability: Covers pest companies in the event a third party takes legal action against them, alleging they provided advice or recommendations that resulted in a loss or injury. 
  • Product liability insurance: Protects pest companies from claims due to faulty materials or chemicals used on a job.
  • Commercial Vehicle: Covers damage and liability on the pest companies work vans and other vehicles.
  • Inland Marine Coverage: Protects tools and equipment, including chemicals and supplies, during transport.
  • Tools and Equipment Coverage: Protects against the loss of owned, borrowed, rented, and leased tools and equipment.
  • Pest Inspection Damage Liability Coverage: Although unintentional, sometimes damages can occur to a property through the pest inspection, and are costly to repair. 
  • Pollution Liability: Protects pest controllers from the ramifications of an accidental pollution event from chemicals used to spray for bugs.