For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.
Yes, a pest exterminator should have valid pest control insurance coverage. This job comes with several risks, and insurance coverage will offer protection in any accident. For instance, if an employee gets sick due to exposure to chemicals or when property damage occurs while offering pest control services. The insurance will help cover any bodily harm or reimbursement for the client’s financial losses.
When investing in pest control business insurance, you need to account for all the risks that your business may pose, such as:
         Employee or client exposure to the harmful chemicals
         Personal or employee injuries
         Environmental risks
         Property damage
         Auto accidents
         Professional liability risks
The pest control 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
    Professional liability insurance
    Pollution liability insurance
    Commercial property insurance
   Workers compensation insurance
| 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 |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
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.Â
Bodily injury–If your client suffers any injury due to exposure to the chemicals or as a result of your work, pest control general liability insurance will cover legal fees, settlements, or medical expenses
Property damage–During your work, you can accidentally damage your client's property. The insurance will cover all the costs of repairs and replacement
Product liability–If the products or services you offer harm clients. This insurance covers all the legal costs, judgments, or settlements against your company
Advertising injury–Protects your company against any claims of false advertising or intellectual property infringement. This coverage is essential if your business relies on marketing and advertising for business exposure or growth
Products and completed operations–Suppose your customer experiences problems with your services after the job is complete. Your insurance will cover corrective actions or the cost of repairs
Endorsements or add-ons in general liability insurance are extra coverages in the base policy. They offer comprehensive protection and address unique risks. Add-ons to this pest control liability insurance are:
Pollution liability coverage–Grants coverage for lawsuits, environmental restitution, and third-party medical expenses if pesticides result in a pollution incident that affects forest, wildlife, or human dwelling
Professional liability coverage–Though not common, some insurance companies offer professional liability insurance for pest control business as an add-on to general liability insurance for easier policy managementÂ
| 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 |
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:
         Misapplication of pesticides
         Breach of contract
         Claims of negligence
         Failure to treat a pest infestation
License defense coverage is an add-on available to the professional indemnity insurance included in pest control insurance programs. This grants a coverage for legal expenses in case licensing boards conduct an investigation to suspend or terminate a pest exterminator’s license.Â
Retroactive coverage is an optional add-on to professional indemnity insurance that covers claims arising from incidents before the policy period. This can be particularly important for pest exterminators who may have unknowingly made errors or omissions in the past that could result in future claims or lawsuits. Understanding the terms and cost of retroactive coverage can help pest exterminators ensure they have adequate protection for their business.
In addition to providing financial protection for claims and lawsuits, professional indemnity insurance can help pest exterminators maintain their professional reputation. Professional indemnity insurance can give clients confidence in the exterminator's abilities and help build trust and long-term relationships.
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.Â
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 pest insurance covers any damages due to the release of pollutants. The insurance will help cover legal fees and cleanup costs. Add-ons to the insurance cover include:
         Coverage of non-owned disposal sites
         First-party clean costs
         Transportation of hazardous materials
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