Looking for Pest Control Insurance?
Protect your pest control business from treatment errors, property damage, environmental claims, and liability issues. Get coverage for extermination services, termite treatment, and integrated pest management companies.
What is Pest Control Insurance?
Pest control insurance protects extermination businesses from treatment errors, property damage, environmental liability, and customer claims. Coverage includes general liability, pollution liability, and professional liability. Clients, property managers, and environmental regulations require proof of insurance before services or contracts.
Treatment Liability
Coverage for errors in pest control treatments or chemical application.
Pollution Coverage
Protects against environmental contamination and chemical-related claims.
Property Protection
Covers equipment, vehicles, and business assets essential to pest control operations.
Certificates
Fast proof for clients, property managers, and commercial accounts.
Who Needs Pest Control Insurance?
- Pest Control Companies : General extermination service providers
- Termite Treatment Services : Specialists in termite inspection and treatment
- Integrated Pest Management : Eco-friendly pest control services
- Commercial Extermination Services : Large-scale commercial pest control
Why Harper?
Pest Control Expertise
We understand extermination risks, chemical exposure, treatment errors, property damage, and environmental liability. Get coverage for residential, commercial, or specialized pest control services.
Fast Proof for Contracts
Commercial property managers require insurance before pest control contracts. We deliver certificates quickly with required endorsements.
Clear Simple Guidance
We explain pollution liability, treatment coverage, and pesticide application insurance clearly.
Tailored to Your Services
Match coverage to your treatments, general pest control, termite services, integrated pest management, or specialized extermination.
Frequently Asked Questions
What insurance do pest control companies need?
Pest control businesses need general liability for property damage and injuries, pollution/environmental liability for chemical contamination and pesticide-related claims, professional liability for treatment errors or ineffective services, and workers compensation for employees exposed to chemicals and physical hazards.
Is pest control insurance required?
Most states require pest control businesses to carry liability insurance for licensing, with minimums varying by state. Environmental regulations often require pollution liability coverage for businesses applying pesticides and chemicals.
How much does pest control insurance cost?
Small residential pest control operations pay $3,000–$8,000 annually for basic liability and pollution coverage. Commercial pest control companies pay $8,000 to $20,000+ annually depending on services, revenue, and chemical use.
Does insurance cover treatment failures?
Professional liability or pollution liability can cover claims when pest control treatments fail to eliminate pests as promised, depending on policy terms and whether guarantees were given.
Does insurance cover chemical damage?
Pollution liability covers property damage, bodily injury, and environmental contamination from pesticide or chemical application, including damage to landscaping, furnishings, surfaces, or injury to pets from treatment chemicals.
Can we add property managers as insured?
Yes, commercial property management companies and large building owners routinely require pest control contractors to add them as additional insureds on general liability and pollution liability policies.