What is PestControlLiability.com?
PestControlLiability.com is matching service that connects pest control businesses with licensed agents offering the best coverage options. This site does not underwrite, quote, or issue policies. Once you submit your application, your assigned agent will contact you by phone or email to assist with your quote, payment, or policy questions.
What is pest control liability insurance?
Pest control liability insurance is a package of commercial coverages designed specifically for exterminators and pesticide applicators. It typically includes general liability, pollution liability, and errors and omissions coverage to protect your business from claims related to chemical application, property damage, bodily injury, and professional mistakes.
Why do pest control companies need pollution liability?
Standard general liability policies typically exclude pollution-related claims. Because pest control involves the application of regulated chemicals, a pollution liability endorsement or standalone policy is essential to cover claims from pesticide drift, contamination, or chemical exposure.
What does E&O insurance cover for pest control operators?
Errors and omissions (E&O) insurance covers claims alleging that your service failed to perform as promised, such as a re-infestation after treatment, an improper product recommendation, or a missed pest activity during inspection.
How much does pest control liability insurance cost?
Cost depends on your revenue, number of employees, services offered, and coverage limits selected. Most small pest control operators can obtain a base general liability policy starting at a few hundred dollars annually. Pollution and E&O coverage add to that cost but are strongly recommended.
What information do I need to apply?
You will typically need your business name, years in operation, annual revenue, number of employees, services performed, and any prior claims history.
How fast can I get a certificate of insurance?
In most cases we can issue your certificate of insurance the same day your application is approved and your down payment is submitted.
Do I need separate coverage for each state I operate in?
Coverage territory is defined in your policy. If you operate across state lines, we will review your policy terms to confirm your operations are covered in all applicable jurisdictions.
What happens if a claim is filed against my policy?
You notify your carrier directly or through our office. We assist you through the claims process as your agent of record.
Can I add additional insureds to my policy?
Yes. Property managers, building owners, and commercial clients frequently require additional insured status. We can add these to your policy as needed.
Do you cover new pest control businesses?
Yes. We work with both established operators and newer businesses. Coverage options and pricing may vary based on experience and claims history.
What types of pest control operations do you cover?
We cover general pest control applicators, termite and WDI inspectors, wildlife and rodent removal operators, and related pest management businesses.