From service calls and pesticide application to inspections and treatment recommendations, your business faces more than one kind of claim. Tell us what services you provide and request coverage suited to your operations.
Pest Control Insurance for the Work You Do
Pest Control General Liability and Professional Liability Insurance
Two core coverages pest control businesses and applicators ask about most. Your policy terms, limits, and exclusions determine what is covered.
Pest Control General Liability
General liability can address covered third-party bodily injury or property damage arising from your operations.
Example: A customer trips over a hose, or your equipment damages flooring during a service visit.
Illustrative only; coverage depends on policy terms.
Pest Control Professional Liability (E&O)
Professional liability can address covered claims that an error or omission in your professional services caused a client financial loss.
Example: A pest assessment misses activity, and the client alleges the oversight delayed treatment and increased repair costs.
Illustrative only; coverage depends on policy terms.
Pesticide Applicator and Termite Insurance: What Needs Underwriting Review
Pesticide applicator insurance is not one-size-fits-all. These are illustrations of exposure, not assurances of coverage: a pesticide drifts onto a neighbor’s property, a treatment causes alleged chemical injury, or a termite service is alleged to have missed an infestation.
These areas require underwriting and form review:
- Pesticide application
- Chemical bodily injury and property damage
- Pollution exclusions
- Care, custody and control
- Termite and wood-destroying organism (WDO) work, including termite inspection insurance needs
- Fumigation
- Completed operations
Other Coverage for Pest Control Businesses
Ask us about these. Availability depends on the program and your operations.
Commercial auto
Service vehicles.
Workers’ compensation
Employee injuries, where required.
Tools and equipment (inland marine)
Sprayers and portable gear.
Commercial property or BOP
Your office and inventory.
Umbrella / excess liability
Higher limits.
Cyber liability
Customer and payment data.
Employment practices liability
Employee-related claims.
Insurance Requirements Depend on the State and License
Pesticide application businesses subject to business licensing must meet financial responsibility requirements. The cited regulation describes minimum general liability of $100,000 each occurrence for bodily injury and $100,000 each occurrence for property damage, plus completed operations and pesticide application wording.
Structural pest control commercial business licensees must maintain at least $500,000 bodily injury and property damage coverage and a $1,000,000 aggregate. Texas specifies care, custody, and control wording and the ALS-1101 proof form.
For commercial structural pest control, each business location must carry prescribed liability coverage. The regulator lists separate bodily injury/property damage amounts or a $500,000 combined single limit aggregate option.
How to Apply
1
Tell us about your business
2
Describe your services and coverage needs
3
Our team reviews your application
FAQs About Pest Control Insurance
General liability is generally aimed at third-party bodily injury and property damage from your operations. Professional liability (E&O) is generally aimed at claims that an error or omission in your professional services caused a client financial loss. Which one responds to a given claim depends on the policy terms, so our team reviews your services with you.
It depends on the policy. Pesticide application, chemical injury and pollution exclusions require underwriting and form review. Describe your application work in the application so our team can review the right options.
Termite and wood-destroying organism work can carry its own exposures and may need separate underwriting review. Tell us if you perform inspections, treatments or both, and check your state regulator for license requirements.
Ask us about commercial auto and workers’ compensation. Availability depends on the program and your operations, and workers’ compensation may be required in your state.
Protect the Business You Built
Share the services you perform so our team can review the right insurance options.