Insurance built for pest control contractors.

Because a standard general liability policy excludes pollution — and for a pest control operation, the chemistry is the work. A pesticide can be misapplied, drift onto a neighboring property or garden, overspray where it should not, or expose an occupant or bystander. The resulting cleanup and third-party claims fall outside general liability. Applicator pollution liability is the line built to respond to exactly those events.

Professional liability — errors and omissions — responds when your work causes a financial loss without bodily injury or physical damage. A missed termite or wood-destroying-organism inspection, an inspection report a buyer relied on, or a treatment that does not perform can cost a client real money with nothing physically destroyed. General liability does not reach that kind of economic loss. For inspection-driven and treatment-warranty work, E&O is the coverage that fills the gap.

Workers comp follows your payroll, so the state a technician is physically working in matters as much as the state you are based in. A crew living in one state and servicing accounts in another can trigger requirements in both. We structure comp for multi-state payroll and flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

Yes, through two lines. Commercial auto covers the service-route fleet — the trucks, mounted tanks, and the daily-stop driving exposure. Commercial property and contractors equipment (inland marine) covers the shop, stored chemical inventory, and the mounted rigs, sprayers, and gear you move between accounts, including theft from a truck or a job site, in a way a policy tied to a fixed address does not.

Property managers, commercial accounts, and larger contracts set their own requirements, but they typically ask for general liability, commercial auto, and workers compensation, often with an umbrella to reach higher limits, plus certificates of insurance naming them as additional insured. The exact limits vary by contract. We help build a program that meets those requirements and turn certificates around so a coverage gap does not cost you an account.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and technician classifications, your mix of general pest versus fumigation versus termite and WDO work, your chemical and pollution exposure, the size of your fleet, and your claims history. A prevention-route operation looks very different to an underwriter than a structural fumigation business. We price to the real risk rather than a generic guess.