4 Best Pest Control Insurance Companies, Cost, Coverage, & Requirements

Thang Truong
Thang Truong
Updated on:

Running a successful pest control business requires more than just expertise in eliminating pests; it also involves protecting your business from potential risks and liabilities. One essential aspect of safeguarding your business is obtaining the right insurance coverage. This article will guide you through the insurance requirements, coverage options, costs, best providers, and tips for choosing the right pest control business insurance.
4 best providers for pest control business insurance

4 best providers for pest control business insurance

Here are some top providers for pest control insurance to consider:

  • Simply Business: Best brokerage firm to compare several quotes from top-tier carriers and great customer satisfaction rating
  • NEXT: Best for general liability insurance and a great digital experience
  • The Hartford: Best comprehensive coverage for pest control businesses from one of the most reputable carriers
  • Tivly: Best brokerage firm with hundreds of independent and knowledgeable agents

Simply Business: Best brokerage firm to compare several quotes from top-tier carriers and great customer satisfaction rating

Simply Business is a leading insurance brokerage firm that specializes in providing coverage for small businesses, including pest control companies. They offer a convenient platform where you can compare multiple quotes from top-tier carriers, helping you find the best coverage at competitive prices. With a strong focus on customer satisfaction, Simply Business ensures a smooth insurance purchasing process.

Pros

  • Access to multiple quotes from top insurance carriers
  • Tailored coverage options for pest control businesses
  • Excellent customer satisfaction rating

Cons

  • Not a direct insurance carrier
  • Coverage may vary depending on the chosen carrier
  • Limited control over the claims process

NEXT: Best for general liability insurance and a great digital experience

NEXT is a digital-first insurance provider that offers fast and easy access to general liability insurance for pest control businesses. Their platform is user-friendly, allowing you to get a quote, purchase a policy, and manage your coverage online. With a focus on providing a seamless digital experience, NEXT ensures a hassle-free insurance process for busy business owners.

Pros

  • Quick and easy online quote and policy management
  • Competitive pricing for general liability insurance
  • User-friendly platform designed for small businesses

Cons

  • Limited to general liability insurance for pest control businesses
  • May not offer the same level of personal service as traditional insurance agents
  • May lack coverage options for specific pest control industry risks

The Hartford: Best comprehensive coverage for pest control businesses from one of the most reputable carriers

The Hartford is a well-established insurance carrier with over 200 years of experience in the industry. They offer comprehensive coverage for pest control businesses, including general liability, commercial auto, workers’ compensation, and more. With a strong reputation for financial stability and excellent claims handling, The Hartford is a reliable choice for businesses seeking robust protection.

Pros

  • Comprehensive coverage options tailored to pest control businesses
  • Reputable carrier with a long history of financial stability
  • Excellent claims handling and customer service

Cons

  • Potentially higher premiums compared to some competitors
  • May not offer online quote and policy management for all coverages
  • Limited to The Hartford’s coverage options

Tivly: Best brokerage firm with hundreds of independent and knowledgeable agents

Tivly is an insurance brokerage firm that connects pest control businesses with independent agents who have expertise in the industry. These agents can help you find the best coverage from a wide range of insurance carriers. With access to hundreds of knowledgeable agents, Tivly offers personalized service and tailored solutions for your pest control business.

Pros

  • Access to a wide range of insurance carriers and coverage options
  • Personalized service from independent, knowledgeable agents
  • Tailored insurance solutions for pest control businesses

Cons

  • Not a direct insurance carrier
  • The quality of service may vary depending on the agent
  • May require more time and effort to compare quotes and policies

Criteria for selecting the best pest control insurance providers

When selecting an insurance provider for your pest control business, consider the following criteria:

  1. Industry experience: Providers with experience in the pest control industry may better understand your business’s specific needs and risks.
  2. Customer reviews: Look for providers with positive customer reviews and a strong reputation for claims handling and customer service.
  3. Financial strength: Choose providers with a strong financial rating, indicating their ability to pay out claims when needed.

Tips for choosing the right pest control business insurance

To select the right insurance for your pest control business, consider the following tips:

Assessing your business’s needs and risks

Evaluate your pest control business’s specific needs and risks to determine the most suitable insurance coverage.

Comparing insurance providers and policies

Research and compare multiple insurance providers and policies to find the best fit for your business.

Seeking professional advice

Consult with insurance agents, brokers, or other professionals to gain insights into the most appropriate insurance options for your pest control business.

Regularly reviewing and updating coverage

Regularly review your insurance coverage and update it as needed to ensure your pest control business remains adequately protected.

Insurance requirements for pest control businesses

Insurance requirements for pest control businesses can vary depending on the state and local regulations. It is essential to research and familiarize yourself with the specific requirements in your area to ensure compliance.

Licensing requirements

Many states require pest control businesses to obtain licenses to operate legally. Licensing often involves meeting specific insurance requirements, such as carrying general liability insurance and workers’ compensation insurance.

Factors affecting insurance requirements

Your pest control business’s insurance requirements may be influenced by factors such as the size of your business, the services you offer, and the potential risks involved in your operations.

Below are examples of insurance requirements for pest control businesses in 3 largest states: California, Texas, and Florida: 

Pest control business insurance requirements in California

Pest control businesses in California need to obtain a Pest Control License from the California Department of Pesticide Regulation. The insurance requirements include:

  1. General liability insurance: California requires pest control businesses to have general liability insurance with a minimum coverage of $500,000 per occurrence for property damage and bodily injury.
  2. Workers’ compensation insurance: California businesses with employees are required to carry workers’ compensation insurance. This requirement applies regardless of the number of employees.

Pest control business insurance requirements in Texas

Pest control businesses in Texas are regulated by the Texas Department of Agriculture. To obtain a Pest Control License, businesses need to meet the following insurance requirements:

  1. General liability insurance: Texas requires pest control businesses to carry general liability insurance with a minimum coverage of $200,000 per occurrence for property damage and bodily injury.
  2. Workers’ compensation insurance: Texas does not mandate workers’ compensation insurance for private employers. However, it is highly recommended to carry workers’ compensation insurance to protect your business and employees in case of work-related injuries or illnesses.

Keep in mind that these requirements may change or be updated over time, so it is essential to consult with local insurance professionals or appropriate government agencies for the most current information.

Pest control business insurance requirements in Florida

In Florida, pest control businesses are required to obtain a Pest Control License, issued by the Florida Department of Agriculture and Consumer Services. Insurance requirements for obtaining this license include:

  1. General liability insurance: A minimum coverage of $250,000 per occurrence and $500,000 aggregate is required for property damage and bodily injury.
  2. Workers’ compensation insurance: Florida requires businesses with four or more employees (including the owner) to carry workers’ compensation insurance. For construction-related businesses, the requirement applies if the company has one or more employees.

Types of insurance coverage for pest control businesses

Depending on their size, pest control businesses may need several types of insurance coverage to appropriately protect their businesses from risks that their operations are exposed to: 

General liability insurance

General liability insurance covers claims related to:

  1. Property damage: Protects your business if you accidentally damage a client’s property while providing pest control services.
  2. Bodily injury: Covers medical expenses and legal costs if a client or third party is injured due to your business operations.
  3. Personal injury: Includes coverage for non-physical injuries, such as libel, slander, or invasion of privacy.

Professional liability insurance (Errors & Omissions)

Professional liability insurance, also known as Errors & Omissions insurance, covers claims of:

  1. Negligence: Protects your business if a client alleges that your pest control services were negligent, resulting in harm or financial loss.
  2. Errors in services provided: Covers legal fees and damages if your business is accused of making mistakes or providing inadequate services.

Commercial auto insurance

Commercial auto insurance provides coverage for company vehicles, including:

  1. Liability: Protects your business from claims related to bodily injury or property damage caused by your company vehicles.
  2. Physical damage: Covers repairs or replacement costs for your company vehicles in case of accidents, theft, or vandalism.

Workers’ compensation insurance

Workers’ compensation insurance is essential for businesses with employees, as it covers:

  1. Employee injuries or illnesses: Pays for medical expenses and rehabilitation costs if an employee is injured or becomes ill due to their job.
  2. Lost wages: Provides compensation for lost income if an employee is unable to work due to a work-related injury or illness.

Commercial property insurance

Commercial property insurance protects your pest control business’s physical assets, such as buildings and equipment, against:

  1. Theft and vandalism: Covers the cost of replacing or repairing stolen or damaged property.
  2. Natural disasters: Provides protection against damage caused by events such as fires, storms, or flooding.

Cost of pest control business insurance

The average cost of a general liability insurance policy for pest control businesses is $78 per month, or $940 per year. Most pest control businesses pay between $45 to $136 per month for their general liability insurance. 

We got a quote for a general liability insurance policy from the 4 providers we recommend above for a pest control business based in Arlington. Virginia. Below are the rates for your reference. 

Providers General liability insurance policy for a pest control business in Arlington, VA 
Simply Business $71 per month 
NEXT: $68 per month 
The Hartford $103 per month 
Tivly (through one of the agents affiliated with them) $96 per month 

Pest control businesses may need more insurance coverage. Below are the average costs of these coverages: 

Pest control business insurance coverages Average costs 
General liability insurance $78 per month 
Professional liability insurance $32 per month 
Commercial property insurance $84 per month 
Commercial auto insurance $187 per month 

Keep in mind that these are just the averages. Your rates will be different. Be sure to shop arond with a few companies or work with a top broker like Simply Business or Tivly to get and compare several quotes to find the cheapest one for you. 

Factors affecting insurance premiums

Several factors can influence the cost of insurance premiums for pest control businesses, including:

  1. Business size: Larger businesses typically require more extensive coverage, resulting in higher premiums.
  2. Coverage limits: Higher coverage limits can lead to increased premium costs.
  3. Deductibles: Choosing a higher deductible can lower your premium, but it means you’ll have to pay more out-of-pocket in the event of a claim.
  4. Claims history: Businesses with a history of claims may face higher insurance premiums.

Strategies to lower pest control business insurance costs

To reduce the cost of your pest control business insurance, consider:

  1. Risk management: Implement safety and risk management protocols to minimize the likelihood of accidents or claims.
  2. Bundling policies: Many insurance providers offer discounts when you bundle multiple insurance policies together.
  3. Regular policy reviews: Periodically review your insurance coverage to ensure you have the right coverage and are not overpaying for unnecessary coverage.

Conclusion

Having the right insurance coverage is crucial for protecting your pest control business from potential risks and liabilities. By understanding the insurance requirements, coverage options, costs, and best providers, you can make informed decisions to safeguard your business. Follow the tips provided in this article to choose the right insurance coverage and provider, and take the necessary steps to protect your pest control business today.

Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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