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.
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.
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.
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.
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).
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.
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.
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:
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.