What Kind of Insurance Do I Need for a Pest Control Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 4
- 2 min read
Running a pest control business involves unique risks—from chemical exposure to property damage and employee injuries. Having the right insurance coverage is essential to protect your company from lawsuits, accidents, and financial loss.
At Wexford Insurance, we specialize in pest control business insurance programs tailored to exterminators, fumigation services, termite control, and wildlife removal companies. This guide explains the types of insurance you need and why they matter.
Why Insurance Is Critical for Pest Control Businesses
Pest control companies handle hazardous chemicals, operate vehicles, and work on client properties. Without proper coverage, a single accident could lead to costly claims. Insurance ensures compliance with state regulations and provides peace of mind for you and your customers.
Essential Insurance Policies for Pest Control Businesses
This is the foundation of your coverage. It protects against third-party claims for property damage or bodily injury caused during pest control services. For example, if chemicals damage a client’s flooring, liability insurance covers the repair costs.
If you use vehicles to transport equipment and chemicals, commercial auto insurance is a must. It covers accidents, vehicle damage, and liability claims while driving for business purposes.
Required in most states if you have employees, workers’ comp covers medical expenses and lost wages for employees injured on the job. Pest control work often involves physical labor and chemical handling, making this coverage essential.
Protect your office, storage facilities, and inventory from fire, theft, or natural disasters. This coverage ensures your business can recover quickly after unexpected events.
Your sprayers, foggers, and protective gear are vital to your operations. Equipment insurance covers repair or replacement costs if tools are damaged or stolen.
Because pest control involves chemicals, pollution liability coverage protects against claims related to environmental contamination or improper pesticide application.
How Wexford Insurance Helps
At Wexford Insurance, we work exclusively with pest control businesses to provide comprehensive insurance solutions. Our niche expertise ensures you get coverage that meets industry requirements and protects your bottom line.
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart business decision. From liability protection to pollution coverage, the right policies safeguard your company against unexpected risks. If you’re starting or currently operating a pest control business, contact Wexford Insurance today for a customized insurance plan.
