Why do exterminators and pest control services need business insurance?
Being an exterminator has its risks. Pest control insurance coverage provides protection in the event that you or an employee get ill from pesticide exposure, or a client is unsatisfied with your pest control services. Some policies may be required to comply with state laws or client contracts.
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With Insureon, exterminators and pest control operators can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of business insurance do exterminators and pest control need?
General liability insurance
A general liability policy covers basic third-party risks, such as bodily injury, advertising injury and client property damage. Bundle it with commercial property coverage for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Business owner's policy
A business owner's policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers’ comp for exterminators and pest control companies that have employees. It also protects self-employed exterminators from work injury costs that health insurance might deny.
- Work-related injuries and illnesses
- Disability benefits
- Lawsuits from employee injuries
Professional liability insurance
Professional liability insurance covers legal costs when an exterminator is sued for a mistake or oversight that causes financial harm. It's also called errors and omissions insurance (E&O).
- Lawsuits from dissatisfied clients
- Accusations of negligence
- Failure to provide promised services
Commercial auto insurance
Commercial auto coverage covers financial losses when a vehicle owned by your extermination business is involved in an accident. Most states require business auto insurance for company-owned vehicles.
- Property damage caused by your vehicle
- Medical payments from an accident
- Vehicle theft and vandalism
Cyber insurance
This type of coverage helps exterminators and pest control professionals recover from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
How much does insurance cost for pest control businesses?
A private pest control business with only a few exterminators will pay less for insurance than a larger pest control business.
Factors that affect the cost of pest control business insurance include:
- Your specialty, such as pest management or termite inspections
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get pest control insurance?
It’s easy to get business insurance for exterminators and pest control professionals if you have your business information on hand. Our insurance application will ask for basic facts about your extermination company, such as revenue and number of employees. You can buy insurance policies online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right commercial insurance for your pest control services, whether you work independently as a self-employed exterminator or hire employees.
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