Insurance Program Highlights

Residential & Commercial Pest Control Insurance
As a pest control or nuisance wildlife control operation, you may offer the following services:

insect control insurance

  • 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
exterminator insurance
Liability Coverage may include:

wdi and wdo inspection insurance

  • 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)

Nuisance Wildlife Removal Insurancel

Bed Bug Heat Treatment Insurance

Bonds:
 

  • 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.

pest control insurance program
It’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

Insurance Questionnaire
To receive your quote…

  • Complete the questions
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received it.

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