Pest Control Insurance
Why Pest Control Companies Need Specialized Insurance
With the pest control industry growing at an impressive rate of 6.31% year after year, it’s crucial to stay ahead and protect your business from potential setbacks. Pest control ventures face unique vulnerabilities, such as property damage, liability claims, and potential health risks associated with pesticide usage. Running a pest control business requires you to be in people’s homes and businesses, providing a service that could potentially impact the health and safety of your clients.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Coverage Benefits for Pest Control Businesses
Pest control insurance policies are designed to provide comprehensive protection, often including general liability coverage, professional liability coverage, property coverage, and coverage for damage caused by pesticide application. Choosing the right coverage is essential to shielding your business from liabilities associated with injuries, negligence claims, property damage, and pesticide usage.
Key Coverage Benefits:
- Exterminator Liability coverage available at full policy limits for damage to property in the contractor’s care, custody, and control
- Pesticide Pollution Liability available at full policy limits
- Pest Inspection Damage Liability coverage at full policy limits for wood-destroying insects, wood-destroying organisms, and wood-decaying fungus
- Broadened coverage for pollution cost or expense on covered autos
What Pest Control General Liability Insurance Covers
Important Features:
- General Liability
- Premises and Products Liability
- Property Damage Liability
- Personal and Advertising Injury Liability
- Defense Costs for Covered Claims
- Property Coverage for Your Building and Contents
- Business Income and Extra Expense
- Inland Marine Coverage for Your Tools and Equipment
- Auto — Owned, Hired, and Non-Owned
Pest Control Business Coverage Enhancements
Supplementary Coverage Available:
- Employee Benefits Liability
- Employment Practices Liability
- Commercial Liability Umbrella
- General Liability WRAP — broader general liability protection with increased limits
- Additional Insured WRAP — eliminates endorsing your policy for each new written agreement
- Business Auto WRAP — greater coverage for your business automobile
Pest Control Business Insurance for Operators of Every Size
Whether you’re a solo operator or running a multi-crew pest control business, your insurance needs to scale with your operation — from vehicle coverage to employee liability as you grow.
Our Goal Is to Be Your Outsourced Risk Management Partner
At Gilbert’s Risk Solutions, we make it our business to stay current with the evolving insurance mechanisms designed to protect pest control businesses. We partner with 100+ of the nation’s premier insurance companies, so we have access to the latest coverage — and our loss control and risk management teams stay current on the latest risk mitigation strategies.
Tailored Solutions
Many pest control businesses don’t recognize the potential risks they carry and don’t have adequate services, policies, or procedures in place to minimize these scenarios. As part of our risk assessment process, we’ll advise you of vulnerabilities we identify, help you put risk management measures in place, and assist you in finding the right insurance vehicle for your business.
360 Degree Approach
We take a 360-degree view of your business to ensure all aspects are secure. Our team of experts in Loss Control, Employee Benefits, HR, and training are all available to our commercial clients, ensuring multi-pronged risk mitigation.
Our RISK SHIELD® Process
Gilbert’s Risk Solutions takes a consultative, risk management approach to your business. Our proprietary RISK SHIELD® Process identifies the extent of your organization’s exposures and puts a loss control plan in place to mitigate them. Often the solution is an insurance product, but frequently it’s a recommendation for a business process or security measure that reduces an exposure.
CONSULT
DESIGN
BUILDING
MAINTAIN
Pest Control Insurance FAQs
Most pest control businesses need general liability insurance at minimum, with pesticide/pollution liability strongly recommended given the nature of the work. Commercial auto is also typically required if operating service vehicles.
Pollution liability covers claims and cleanup costs related to pesticide application — an important coverage given that standard general liability policies often exclude pollution-related claims.
Yes, when the right coverage is in place — pesticide pollution liability and property damage liability specifically address claims arising from chemical application incidents.
Pricing depends on factors like the size of your operation, number of vehicles and employees, chemicals used, and your claims history.
