Specialized Coverage for Pest Control and Exterminators
Need help? Call +1 (743) TOP-PEST (867-7378)
Specialized Coverage for Pest Control and Exterminators
Need help? Call +1 (743) TOP-PEST (867-7378)
Effective Date: March 31, 2026 Site: PestControlLiability.com Owner and Operator: Phil Pavarini Insurance Agent
If you do not agree with the practices described in this Privacy Policy, please do not use this Site.
PestControlLiability.com (the "Site") is owned and operated by Phil Pavarini Insurance Agent ("Site Owner," "we," "us," or "our"). This Site is an informational and referral resource only. This Site does not sell, bind, or issue any insurance policy of any kind. The Site's function is to provide information about pest control liability insurance and to refer consumers to licensed insurance agents, carriers, and partners who may be able to assist them.
Insurance policies that may result from a referral made through this Site may be issued by Nagashima Pavarini Ltd or by other duly licensed insurance agents, carriers, or partners (collectively, "Insurance Partners"), each acting independently under their own licenses and authority. Phil Pavarini Insurance Agent and this Site are not responsible for any policy issued, modified, denied, cancelled, or administered by any Insurance Partner or other third party.
By using this Site, you acknowledge that you have read this Privacy Policy and consent to the practices described herein. Any offer, product, program, or referral described on this Site is void where prohibited by applicable law or regulation.
We collect personal information you voluntarily submit when you complete inquiry or referral request forms, contact us by phone, email, or web form, subscribe to newsletters or marketing communications, or participate in surveys or promotions. This information may include:
When you visit the Site, we automatically collect certain technical and usage information, including your IP address and general geographic location, browser type and version, device type and operating system, referring websites, pages viewed, time on page, navigation patterns, and date and time of visits. This information is used to operate and improve the Site, maintain security, and prevent abuse. It is not used for underwriting, credit, or eligibility decisions.
We may also collect behavioral and technical signals such as request frequency, session characteristics, and traffic patterns for fraud detection and security purposes only.
We use cookies, web beacons, pixel tags, and similar technologies to remember your preferences, analyze traffic and usage, support advertising and affiliate programs, and improve Site functionality. You may control cookie settings through your browser, but doing so may affect Site functionality.
We may receive information about you from credit reporting agencies, background check providers, Insurance Partners, marketing and referral partners, affiliate networks, public records databases, and other third parties as authorized by you or as permitted by law.
We use the information we collect to:
By submitting any form, inquiry, or request through this Site, you expressly authorize us to share any information you provide with Insurance Partners, referral partners, licensed agents and brokers, underwriters, managing general agents, surplus lines brokers, reinsurers, program administrators, and any other parties reasonably necessary to evaluate, quote, process, or fulfill your insurance request. This sharing is an essential and necessary part of the referral process. We do not guarantee that any referral will result in a quote, offer, or issued policy.
This Site participates in affiliate marketing programs. We may share your information with affiliate network operators, marketing partners, lead aggregators, and co-marketing partners as permitted by applicable law and consistent with your consent. Participation in affiliate programs means that we may receive compensation when you are referred to or purchase products or services from a partner. Affiliate relationships do not affect the information practices described in this Policy.
We may share your information with third-party service providers who perform services on our behalf, including website hosting, data analytics, payment processing, email delivery, credit reporting, background checks, advertising, and legal and professional services. These providers are authorized to use your information only as necessary to perform services for us.
We may disclose your information when required by law, court order, subpoena, or government request, or when we reasonably believe disclosure is necessary to protect our rights or property, protect the safety of any person, investigate fraud or misuse, or enforce our agreements.
If we are involved in a merger, acquisition, financing, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
This Site does not sell, bind, or issue any insurance policy. No statement, description, quote, or representation on this Site constitutes an offer to insure, a binder, or a contract of insurance. Any insurance policy that may result from a referral through this Site is issued solely by the applicable licensed Insurance Partner acting under its own authority.
ANY COVERAGE, PRODUCT, PRICE, LIMIT, TERM, CONDITION, OR FEATURE DESCRIBED OR ADVERTISED ON THIS SITE IS FOR GENERAL INFORMATIONAL AND ILLUSTRATIVE PURPOSES ONLY. Insurance products are subject to underwriting approval, individual risk factors, state availability, regulatory requirements, and the specific terms of the issuing carrier. Nothing on this Site guarantees that any particular coverage, price, or product will be available to you or will be included in any policy issued to you.
YOU ARE SOLELY RESPONSIBLE FOR CAREFULLY REVIEWING ALL POLICY DOCUMENTS, DECLARATIONS PAGES, ENDORSEMENTS, AND EXCLUSIONS ISSUED TO YOU. If there is any discrepancy between information on this Site and your issued policy documents, your issued policy documents control in all respects.
Do not assume that any coverage you requested, discussed, or saw described on this Site has been included in your issued policy. Always confirm in writing with the issuing agent or carrier that all requested coverages have been bound and issued before relying on any assumed coverage.
For any questions, concerns, claims, cancellations, modifications, or disputes regarding any policy issued to you, contact the licensed agent or carrier that issued your policy directly. This Site and Phil Pavarini Insurance Agent have no authority to modify, cancel, bind, or interpret coverage under any policy issued by an Insurance Partner.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PHIL PAVARINI INSURANCE AGENT, NAGASHIMA PAVARINI LTD, PESTCONTROLLIABILITY.COM, AND EACH OF THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND ASSIGNS (COLLECTIVELY, "COVERED PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE, ANY REFERRAL MADE THROUGH THIS SITE, OR ANY INSURANCE POLICY ISSUED OR DENIED BY ANY INSURANCE PARTNER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The total aggregate liability of the Covered Parties to you for any claim arising from your use of this Site shall not exceed the greater of (a) one hundred dollars ($100.00) or (b) any amount actually paid by you directly to PestControlLiability.com in the twelve months preceding the claim.
The Covered Parties are not responsible for and shall have no liability arising from the acts, omissions, coverage decisions, underwriting determinations, claims handling, policy terms, exclusions, cancellations, or any other actions or inactions of any Insurance Partner, carrier, underwriter, or issuing agent.
You agree to defend, indemnify, and hold harmless the Covered Parties from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of this Site, your submission of information through this Site, your reliance on any information contained on this Site, any coverage gap or policy deficiency resulting from your failure to review your issued policy documents, or your violation of this Privacy Policy or our Terms and Conditions.
Any offer, product, program, or referral described on this Site is void where prohibited by applicable law or regulation. It is your responsibility to determine whether your use of this Site and any resulting insurance transaction is lawful in your jurisdiction.
You may request access to or correction of the personal information we hold about you by contacting us using the information in Section 13.
You may opt out of marketing communications at any time by clicking the unsubscribe link in any marketing email, replying STOP to any marketing text message, or contacting us directly. Opting out of marketing does not affect transactional or legally required communications.
Depending on your state of residence, you may have rights under applicable state privacy laws, including the right to know what personal information we collect and how it is used, the right to access or correct your personal information, the right to request deletion of your personal information subject to applicable exceptions, the right to opt out of the sale or sharing of your personal information as defined by applicable law, and the right to non-discrimination for exercising your privacy rights.
To submit a privacy rights request, contact us using the information in Section 13.
This Site does not currently respond to Do Not Track signals. You may control tracking through your browser and device settings.
We implement commercially reasonable administrative, technical, and physical safeguards to protect your information, including encryption of sensitive data in transit and at rest, access controls, and regular security reviews. No method of transmission or storage is completely secure. We cannot guarantee absolute security and are not liable for unauthorized access resulting from circumstances beyond our reasonable control.
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. Security and technical logs may be retained longer where necessary for fraud prevention, system integrity, or legal compliance. When information is no longer needed, it is securely deleted or anonymized.
This Site is not directed to children under 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will delete it promptly.
This Site is operated from the United States and is intended for users in the United States. If you access this Site from outside the United States, your information may be transferred to, stored, and processed in the United States, where privacy protections may differ from those in your jurisdiction.
This Site may contain links to third-party websites. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.
California residents have rights under the California Consumer Privacy Act (CCPA) including the right to know what personal information is collected, the right to access and delete personal information subject to applicable exceptions, and the right to opt out of the sale or sharing of personal information. We do not sell personal information in the traditional sense, but sharing data with marketing or affiliate partners may constitute a sale or sharing under California law. We will not discriminate against you for exercising your California privacy rights. To submit a California privacy request, contact us and include "California Privacy Request" in your communication.
Nevada residents may opt out of the sale of personal information as defined by Nevada law. We do not currently sell personal information as defined by Nevada law. To submit an opt-out request, contact us.
Any dispute arising out of or relating to this Privacy Policy or your use of this Site shall be resolved by binding arbitration administered under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm. You waive any right to participate in a class action lawsuit or class-wide arbitration. This Privacy Policy is governed by the laws of the State of North Carolina without regard to its conflict of law provisions.
We may update this Privacy Policy from time to time. Material changes will be posted on this Site with an updated effective date. Where we have your email address, we will provide notice by email. Your continued use of the Site after any update constitutes acceptance of the revised Privacy Policy.
For questions, privacy requests, or concerns regarding this Privacy Policy, contact us by mail at:
PestControlLiability.com Phil Pavarini Insurance Agent 2301 Hamilton Ave, Room 109 Cleveland, OH 44114 United States
For California privacy rights requests, include "California Privacy Request" in your communication.
This Privacy Policy is effective as of March 31, 2026.
PestControlLiability.com is owned and operated by Phil Pavarini Insurance Agent. This Site is an informational and referral resource only and does not issue insurance policies. Insurance policies may be issued by Nagashima Pavarini Ltd or other duly licensed Insurance Partners. All trademarks and service marks are the property of their respective owners. Site content copyright Phil Pavarini Insurance Agent and Nagashima Pavarini Ltd. All rights reserved.
Last Updated: March 31, 2026
