Pest Control Business Insurance: Key Coverages You Need
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 hours ago
- 2 min read
Running a pest mitigation company, extermination, prevention, termite treatments, fumigation, or bed bug services, means managing risks that most contractors never face. From chemical application exposure to warranty disputes and vehicle fleets on the road all day, the right pest control business insurance safeguards your team, customers, and brand. Here are the core coverages every pest control business should consider before requesting a pest control business insurance quote.
Your foundational policy. GL helps protect your business from third‑party bodily injury or property damage claims—for example, a customer trip‑and‑fall, over-spray damaging landscaping, or accidental property damage while treating a home or facility. Many landlords and commercial clients require GL before you step on site.
2) Professional Liability (Errors & Omissions)
If a client alleges negligent application, improper inspection, or failure of treatment (e.g., termites reappear under a bond), professional liability responds. This is essential for companies offering inspections, written warranties, or specialised protocols for termites and bed bugs.
3) Contractors Pollution Liability (CPL)
Standard GL often excludes pollution events. CPL helps address chemical drift, over-spray, spills, and contamination claims that can arise from pesticide or fumigation work. If you store, mix, or transport chemicals, CPL is a critical layer of protection.
4) Commercial Property & Business Income
Protect your office, equipment, sprayers, heat units, foggers, PPE, and inventory from fires, theft, or vandalism. Add Business Income/Extra Expense to replace lost revenue and cover expenses if a covered loss shuts down operations (e.g., fire in your shop).
Your technicians are on the road daily. Commercial auto covers accidents, liability, and physical damage to work vehicles. Carriers rate based on vehicle count, radius, and driver records, driver training and telematics can help keep premiums in check.
Required in most states when you have employees, workers’ comp covers medical costs and lost wages for work‑related injuries, ladder use, lifting equipment, or exposure incidents. Accurate class codes and proactive safety programs help control cost.
7) Inland Marine (Tools & Equipment)
Covers mobile equipment and tools travelling between jobs or stored in vehicles, sprayers, thermal heaters, monitors, traps, and speciality gear. If stolen from a van or damaged on site, this coverage is what responds.
8) Cyber Liability (POS, Scheduling, Records)
If you store customer data, run digital scheduling/CRM, or accept cards, add cyber for data breach, ransomware, and PCI‑related costs.
Get the Right Insurance Protection for Your Pest Control Business
Not every insurer understands extermination, fumigation, and chemical application risks, and your coverage needs vary by services offered, chemicals handled, fleet size, and warranties. Wexford Insurance partners with top‑rated carriers that specialise in pest control business insurance, helping owners select the right limits, deductibles, and policy forms tailored to their operation.
👉 Request your Pest Control Business insurance quote from Wexford Insurance today and ensure your technicians, vehicles, and customers are fully protected.
