Coverage
Pest control contractor insurance coverages
A pest control operation does not carry one policy — it carries a stack of coverage lines, each answering for a different way the work can go wrong, from a slip on a treated floor to a misapplied chemical. Here are the 7 we write for general pest, fumigation, and termite operations.
The coverage a pest control contractor needs is driven by the work: a tech on a customer’s wet-treated floor, a chemical applied off-target, a termite letter a buyer relies on, a six-figure run of equipment riding the trucks, and a crew exposed to the products they apply all day. No single policy answers for all of it. Two exposures in particular sit in the gaps a standard policy leaves — the applicator pollution exposure of a misapplied or drifting pesticide, and the professional liability of a missed termite inspection or failed treatment that causes a financial loss with nothing physically damaged. How heavily each line is weighted depends on whether you run general pest control, fumigation, or termite and WDO work. The services overview explains how the three operating models change the emphasis.
General Liability Insurance
Third-party bodily injury and property damage coverage for pest control contractors — on-site work at customer homes and businesses, and the public-facing exposures of a service route.
See the coverage →Commercial Property & Equipment Insurance
Coverage for the shop, office, and stored chemical inventory a pest control operation runs from, PLUS inland-marine coverage for the trucks' mounted rigs, sprayers, fumigation gear, termite equipment, and tools moved between job sites. (Commercial Property + Contractors Equipment combined.)
See the coverage →Workers Compensation Insurance
Medical and lost-wage coverage for pest control technicians — with honest handling of the four monopolistic state-fund states and the chemical-exposure and route-driving injury profile of field crews.
See the coverage →Commercial Auto Insurance
Coverage for the trucks and service-route fleets a pest control operation drives every day — the mounted tanks, the daily-stop accident exposure, and the gear in transit.
See the coverage →Pollution Liability Insurance
Coverage for the chemical exposures general liability flatly excludes — pesticide misapplication, spray drift, overspray onto a neighboring property, chemical exposure of occupants, and environmental cleanup. A signature applicator/pesticide exposure for pest control contractors.
See the coverage →Umbrella Liability Insurance
Excess limits above general liability and commercial auto for larger pest control operations and the higher limits commercial accounts and larger contracts often require.
See the coverage →Professional Liability Insurance
Errors and omissions coverage for pest control contractors — a missed termite or wood-destroying-organism inspection, a failed or inadequate treatment, or a faulty inspection report that causes a financial loss without bodily injury or physical damage. A signature E&O exposure.
See the coverage →Build the stack to your operation
Coverage is only right when it is weighted to how you actually work. Start a quote and tell us about your routes, see how the lines differ by model under general pest control, fumigation, and termite and WDO, or browse the states we serve on the locations index.
Primary sources
Get the right coverage stack for your pest control operation
Tell us whether you run general pest, fumigation, termite work, or all three — and we will market it to carriers that write the class.