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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 |
Get all the best quotes from leading providers in a click of a button!
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
Get all the best quotes from leading providers in a click of a button!
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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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