Liability Insurance
General liability insurance is probably what comes to mind the most when you think of pest control liability insurance. It provides coverage for your business in case a non-employee is hurt or experiences property damage because of your business activities. For example, if a customer claims that he or she became sick because of the chemicals included in your solution, general liability would protect your business in case the person files a lawsuit. Any payments towards attorney’s fees, settlements or judgments would be covered under this portion of your policy.
Within liability, there are several specific coverages that pest control insurance companies offer. Some of these include:
- Pollution and fumigation liability – This covers your business in case your chemicals cause a pollution event.
- Pest inspection damage liability – This provides coverage for your business in case third party’s property is damaged during your inspection process.
- Professional liability – More commonly known in the pest control industry as Exterminators Liability or Care, Custody and Control Liability, it protects your business in case you are found liable in a lawsuit for malpractice or mishandling of your chemicals.
Business Auto Insurance
You’re also going to need coverage for the cars that are used for your business. Your business auto insurance will cover for liability in case of an accident by you or your employees as well as any physical damage to your cars. Any medical expenses or income loss related to an accident will also be covered by your policy.
Workers’ Compensation Insurance
Aside from pest control liability insurance to cover third parties, you’ll also need coverage for your employees due to the possibility of health complications developing as a result of extended exposure to pest control chemicals. If you are found liable for an employee’s sickness or death, your policy will cover any legal or medical fees as well as the employee’s lost wages while unable to work.
Commercial Property Insurance
Commercial property insurance provides protection for all your business’s property, including your buildings, landscaping, fencing, furniture and equipment. Your policy will provide payment toward repairing or replacing any covered items in case of loss due to causes ranging from fire and storms to vandalism and theft. Depending on the level of coverage you choose, your policy may cover your electronic data and provide reimbursement for potential revenue you may have lost out on.
There are many layers to pest control liability insurance and plenty of pest control insurance companies to choose from. A qualified agent with deep pest control business insurance experience should be able to customize your policy to ensure that it meets your exact needs and that your business’s assets are properly covered.
