Pest Control Insurance

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Zensurance - Pest Control Contractor

What is Pest Control Insurance?

From creepy crawlers to giant rodents, pest control operators eradicate unwanted species to keep their client’s property a safe and healthy environment.

The variety of extermination services you offer each presents a different level of risk for accidents, property damages, or injuries.

Pest Control Insurance is a policy package designed to provide financial coverage for the common liabilities associated with owning a pest control business, such as environmental risks and third-party property damage.

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What does it cover?

As most pest control contractors handle toxic chemicals for extermination, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive insurance program will typically include the following:


Who needs Pest Control Insurance?

Regardless of the pest control services provided (residential or commercial), there will still be risks such as property damage and environmental pollution, especially if there’s the use of fumigation.

Having the right insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:

  • Residential and Commercial Pest Control
  • Fumigators
  • Insect/Bed Bug Extermination
  •  Control
  • Weed Removal
  • Wildlife/Rodent Control Services

How much does it cost?

There are several factors regarding your business are considered when determining the cost for a Pest Control Insurance policy package, including:

  • Number of Employees (Independent Contractor/Technician vs Large Business)
  • Project type (Commercial vs Residential)
  • Years of Experience
  • Application Methods (Heat/Pesticides)
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

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Common claims scenarios

Mouse trap

Problem: After completing a residential pest control service to remove a rat infestation, you accidentally left a trap in the client’s basement.  One of their kids stepped on the trap breaking their toes which required surgery.

Outcome: The client sues you for the injury, your Commercial General Liability insurance would cover the $18,000 lawsuit that was placed against your business.

Fumigation in commercial building

Problem: After completing fumigation to remove a cockroach infestation in a commercial building, some of the remaining gas chemicals leaked into the central air system.  A couple of weeks later, a group of employees who worked on that floor became very sick.

Outcome: Your Pollution Liability Insurance covers the  $250,000 lawsuit for illness-related injuries and repairs for the jeopardized central air system.

Commercial Van Accident

Problem: One of your employees was driving to a client’s home to remove rodents that were eating up the plants in their garden.  On the way there, your employees get into an accident with your company’s van which caused damages to both vehicles.

Outcome: Your Commercial Auto Insurance policy covers the $60,000 to repair both vehicles involved in the accident.

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