Insurance Program Highlights

As a pest control or nuisance wildlife control operation, you may offer the following services:

  • Applying chemicals inside structures and their surrounding grounds
  • Structural treatments including fogging operations
  • Insect control, including termites, ants, roaches, hibernating insects, bees, wasps, and other bugs
  • Use of bait stations or spraying techniques
  • Nuisance wildlife, rodent, bird, and other small mammal removal
  • Use of live traps to trap small mammals
  • Pest control inspections
  • Pest control consultations
  • Spot treatments for lawns
Whether you treat commercial, industrial, healthcare, hospitality, recreational or residential clients, our specialty insurance program for pest control operations offers the following coverages:

  • General Liability
  • Professional Liability (Errors & Omissions)
  • Products/Completed Operations
  • Contractual Liability
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella
  • Bonds
Liability Coverage may include:

  • Limits up to $1 million per occurrence/$3 million aggregate
  • E & O Professional Liability – at policy limits
  • Pollution Liability – broadened coverage for autos up to policy limits
  • Pollution Coverage on General Liability – at policy limits (subject to compliance with all state and federal laws)
  • Wood Destroying Insect (WDI) or Wood Destroying Organism (WDO) Inspections
  • Bed Bug Heat Treatment Acceptable
  • Bed Bug Service Dog Coverage Available
  • Premises and Completed Operations
  • Lost Key coverage – $5000
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000
  • Personal and Advertising Injury
  • Newly acquired organization – 90 days
  • Employee benefits (claims-made coverage)
  • Contractual Coverage
Other Insurance Options and Coverage may include:

  • Umbrella – limits up to $10,000,000
  • Electronic media
  • Business Interruption Coverage
  • Crime – Employee Dishonesty
  • Mobile Equipment
  • EDP Coverage
  • Installation Floaters
  • Equipment and Tool Floaters
  • Commercial Auto includes pollution clean-up (not available in Michigan)
insect control insurance






wdi and wdo inspection insurance






Nuisance Wildlife Removal Insurancel






Bed Bug Heat Treatment Insurance

  • License and permit bonds
  • Business service bonds
  • ERISA bonds

Property Coverage may include:

  • Building Coverage – replacement cost or actual cash value
  • Contents Coverage – replacement cost or actual cash value
  • Equipment Breakdown included on Building and Contents
  • Business Income (with extra expense and 0 hour waiting)
  • Blanket Insurance
  • Mine subsidence (specific IL, IN & KY counties)
  • Earthquake
  • Utility Service – direct damage
  • Utility Service – time element

Note: All coverages may not be available in all states.

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Program Requirements:

  • License or certification as required by authorities
  • Chemical and pollution coverage subject to compliance with all state and federal laws
  • A $500 property damage deductible per claim applies

 Ineligible Pest Operations:

  • Agricultural crop spraying
  • Tenting or fumigating
  • Retail sales of chemicals from storefront
  • Application of chemicals from aircraft or irrigation systems