Pest control operators—or exterminators—are professionals who help keep bugs and other dangerous critters and small creatures out of our homes and yards. While it doesn’t seem like there is inherent risk in this profession, there are risks. You must protect your pest control business with the right insurance. So what does that look like? Who needs pest control coverage? Find out in this handy guide for pest control operators!
Who Needs Pest Control Insurance Coverage?
- Termite exterminators
- Wildlife control
- Mosquito control
- Small animal control
- Lawn & Garden pest control
What Your Customized Coverage Should Include
General Liability Insurance: This liability policy is the #1 insurance any business needs. It offers coverage for third-party property damage and bodily injury, including medical payments, cost of repair and/or replacement, and legal settlements. A general liability policy for pest control businesses can also include:
- Pollution and fumigation liability
- Clean up costs for job-site pollution
- Clean up cost for in-transit pollution
- Care Custody and Control coverage
Commercial Property Insurance: Property insurance doesn’t just protect your property from fire or storm damage, but also your expensive pest control equipment. It will repair or replace damaged property up to the limits of your policy.
Business Owners Policy (BOP): A BOP is typically a policy that bundles general liability, commercial property insurance, and often business interruption coverage. It can be more affordable than purchasing the policies separately.
Workers’ Compensation: If your pest control business has employees, you’ll need to consider workers’ compensation—and in most states it’s required. If your employee gets injured or becomes ill due to pesticides used on the job, this covers lost wages, medical expenses, and legal settlements.
Commercial Auto Insurance: In the case of an accident you don’t want to be left paying for damages, so protect your pest control van with the right auto insurance.
Inland Marine Insurance: Inland marine coverage provides protection for any tools or equipment that you transport to and from a job site and while stored offsite. Any equipment not permanently attached to your vehicle is covered under this policy.
Umbrella Insurance Policy: This adds additional coverage up to a specified amount on top of certain coverage already in place.
Professional Liability: Professional liability covers a business if accused of negligence or other professional errors made in the course of your job.
How Much Does Pest Control Insurance Cost?
Cost of insurance for pest controllers varies depending on a few factors, including:
- Location of the business
- Pest control services offered
- Number of employees
- Deductibles and limits chosen
The average cost for general liability coverage alone is between $400-700 annually.
Get a Free Pest Control Insurance Quote
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