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Pest control insurance is a specially designed commercial insurance that’s uniquely suited to the needs of exterminators and similar businesses. In order to protect these businesses from the multiple risks that they face, most policies come as package policies that have several coverage’s within them.
  • >Exterminators
  • Bed bug specialists
  • Pest control operators
  • Commercial Property Coverage
  • Inland Marine Coverage
  • Business Interruption Coverage

What is Pest Control Insurance?

Running a pest control company can be a profitable endeavor, but this type of work comes with certain risks. From property loss ot liability claims, businesses in this sector have multiple insurance needs. Pest control insurance helps exterminators and other pest control businesses in Massachusetts get the insurance coverages they need.

Pest control insurance is a specially designed commercial insurance that’s uniquely suited to the needs of exterminators and similar businesses. In order to protect these businesses from the multiple risks that they face, most policies come as package policies that have several coverages within them.

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What Businesses in Massachusetts Need a Pest Control Policy?

The vast majority of Massachusetts businesses in the pest control space should have a pest control police in place. This includes both sole proprietors who work for themselves as well as large corporations that have multiple locations and many employees. Depending on the exact services offered, the following specific businesses might need this type of insurance:

  • Exterminators
  • Bed bug specialists
  • Pest control operators
  • Termite inspectors and operators
  • Wild life control specialists
  • Lawn sprayers
  • Fumigators

To not have the necessary property insurance coverages and pest control liability insurance coverages in place can leave a business exposed to substantial risk.

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  • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

    Frank

    Winchester, MA

  • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

    Tony Bartolo

    Lynnfield, MA

  • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

    Kelly Ilebode

    Boston, MA

Pest Control Insurance Massachusetts

What Coverages Do Pest Control Policies Provide?

While the particular coverages that a policy offers can vary, most pest control policies make a variety of property insurance and pest control liability insurance coverages available. 

Some widely available property insurance coverages include:

  • Commercial Property Coverage, which may cover company-owned buildings, equipment and supplies
  • Inland Marine Coverage, which may cover equipment and supplies during transportation to and from worksites
  • Business Interruption Coverage, which may cover sustained revenue losses brought on by covered disasters

Some of the more commonly purchased pest control liability insurance coverages are:

  • General Liability Coverage, which might cover common accidents, false advertising claims and defamation lawsuits
  • Professional Liability Coverage, which might cover errors and other mistakes made in the course of work
  • Excess Liability Coverage, which might cover expensive liability claims with supplemental protection
  • Fumigation Coverage, which might cover damage or injuries caused by a fumigation application
  • Herbicide and Pesticide Application Coverage, which might cover damage or injuries caused by an herbicide or pesticide application
  • Completed Operations, which might cover damage or injures that occur after a service is completed

Some of these coverages are fairly standard protections that are found in many commercial insurance policies, but others are somewhat specific pest control liability insurance coverages. Because the specific coverages are especially important, businesses in this space should work with an insurance agent who specializes in pest control policies when selecting what protections to include in a policy.

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How Much Do Pest Control Policies Cost?

Pest control policies vary in priced because their premiums are affected by many different factors. Where a business is located, what services it provides, how many customers it serves and whether it has a history of filing claims are only a few of the items that can influence how much the business’ policy will be.

For an idea of what different insurance companies will charge for a suitable pest control policy, businesses can talk with an independent insurance agent. An independent agent has the freedom to request quotes and compare policies from multiple insurance companies.

Pest Control Insurance Massachusetts

How Can Businesses in Massachusetts Get Pest Control Insurance?

To get help insuring a pest control business that’s located in Massachusetts, get in touch with the independent insurance agents at Paul T. Murphy Insurance. Our agents can help you compare pest control insurance policy options from multiple insurance companies in the state, and they have the expertise necessary to help you select whichever policy is best suited for your business' needs.

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