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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.

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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