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Pests are notorious creatures that invade homes or offices. These fall out from the league of cleaning businesses. People often rely on professional exterminators to eliminate these creepy animals. However, although exterminators are qualified to eradicate pests safely, accidents may happen.
If you are an exterminator, you must safeguard yourself from these unexpected mishaps by having pest control insurance coverage.
The pest control business insurance requirements depend on the regulation of the business and the state’s policies. But generally, all pest control businesses must consider the following coverage:
General liability insurance for pest exterminators will protect your business against unforeseen risks. It will cover settlements or legal defense if a third party, such as your customer, is injured during pest control activities.
For clients to hire your business, they need assurance that you have this type of insurance.
General liability cost covers;
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1000,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Can be included |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
When offering your pest control services, errors or omissions can happen. Professional liability insurance, also called professional indemnity insurance, will cover court costs, lawyer fees, judgments, and settlements. Pest control professional indemnity insurance will help you cover various risks, such as:
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
| Per occurrence limit | $1,000,000 | $20,000/$25,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $50,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Similar to general liability insurance, pest control public liability insurance covers third party claims for bodily injuries or property damage. However, this policy doesn’t have the add-ons commonly found in a general liability policy.
Therefore, public liability insurance is a less comprehensive version of general liability insurance. This pest control insurance coverage is ideal for exterminators that work as a one-man team.
Commercial property insurance covers damage to your physical assets, such as equipment or buildings. It helps protect your business against financial losses due to risks such as theft, fire, or natural disasters.
| CoverWallet | NEXT (Best) | Hiscox | Thimble | The Hartford | |
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $60,000 |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included | $2,500 | Excluded |
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If you own a pest control company, your chemicals can cause environmental pollution. Thus, it would be best if you had pollution liability insurance. This pesticide applicator insurance covers any damages due to the release of pollutants, and the pesticide applicator insurance cost typically ranges from $70 to $90 per month, depending on the scope of coverage.
The insurance will help cover legal fees and cleanup costs. Add-ons to the insurance cover include:
A business owner’s policy is also referred to as BOP. This coverage combines commercial property and general liability insurance at a lower cost. It will protect your business against property damage and lawsuits.
The costs covered under this policy can include bodily injury, advertising injury, and property injury. It also covers your business assets, such as equipment, buildings, or inventory.
| CoverWallet | Thimble | NEXT (Best) | Hiscox | The Hartford | |
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $25,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
When considering insurance for pest control operators, you need to include a commercial auto policy. Typically, it covers all the vehicles you use for business purposes. This coverage is essential to protect against damage or accidents to your company’s vehicles.
The costs covered by the policy can include bodily injury or property damage due to accidents that involve your business vehicles. It also covers vandalism, theft, or collision damage to vehicles.
Workers’ compensation insurance provides benefits to your employees. If any employee falls ill or is injured on your work premises, this insurance policy will compensate them.
Workers compensation insurance provides coverage for medical expenses, lost wages, death benefits, and rehabilitation expenses. The limits of workers compensation insurance depend on the workers comp law of the state where your business is located.
The average pest control insurance cost is $70 per month or $840 per year for a $1 million general liability policy. Factors that affect the cost of premiums are claims history, business history, annual revenue, and number of employees.
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $70 | $840 | $0-$500 |
| Professional liability insurance | $80 | $960 | $500-$1,000 |
| Excess liability insurance | $72 | $864 | $500-$1,000 |
| Pollution liability insurance | $78 | $936 | |
| Commercial property insurance | $115 | $1,380 | $1,000-$2,000 |
| Business owner’s policy | $185 | $2,220 | $1,500 |
| Commercial auto insurance | $82 | $984 | $500-$1,000 |
| Workers compensation insurance | $150 | $1,800 | $1,000-$2,000 |
Termite Insurance Cost
The average termite insurance cost can vary depending on the scope of coverage, location, and other factors. It typically ranges from $50 to $100 per month.
NEXT insurer that offers a range of insurance products. They deal with a variety of industries, including pest control businesses. You can easily apply for their insurance policies online.
Average cost: $35 per month
CoverWallet is a digital insurance brokerage company that offers a wide array of insurance products. They collaborate with multiple insurance carriers to offer customers flexibility regarding insurance policies.
Average cost: $50 per month
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The Hartford has been a trusted insurance company in business for many years. This company offers online tools and resources to help your business to manage its policies and claims. Their pest control insurance coverage is customized to meet the needs of clients.
Average cost: $30 per month
Tivly® grants coverage for pest exterminators with poor business claims history. They personalize their policies depending on the specific needs of your company. This company offers the best deals for businesses looking for affordable pest exterminator insurance coverage.
Average cost: $40 per month
Thimble, in their few years of operation, have offered on-demand insurance policies for small businesses. Their fast and easy application process makes them outstanding in the market. Add-ons can be easily added to the general liability insurance and business owner’s policy that Thimble sells.
Average cost: $55 per month
Hiscox is a global insurance company that offers insurance solutions for businesses. The company is known for its innovative approach to its service delivery. They have invested heavily in digital technology that allows customers to easily include policy upgrades and customize limits.
Average cost: $40 per month
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