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For businesses and individuals

As the operator of a pest control company, you deliver a valuable service to residential and commercial property owners. Your business is all about protecting your customers from damage caused by rodents, termites, ants and other destructive insects and animals.

While you’re busy protecting your customers, you also need to safeguard yourself and your assets against liability claims. A mistake or oversight could lead to a severe injury or illness or result in thousands of dollars in property damage. Without the right amount of liability insurance, you face the risk of losing a substantial amount of money — or even your business.

Due to the increased exposure, not all insurance providers offer coverage for these high-risk operations. If you’ve been having trouble finding liability insurance for your pest control business, XINSURANCE can meet your needs and give you true peace of mind.

pest control liability insurance
pest control liability insurance


How Can XINSURANCE Help Your Pest Control Business?

XINSURANCE is a full-service partner of customized liability insurance plans for individuals and commercial operations that are having trouble finding coverage elsewhere. We find solutions for specialty commercial liability risks, including businesses like pest control services that many “traditional” carriers avoid. If you’ve been declined a policy or canceled or non-renewed by your carrier, we’ll assist you in getting an all-in-one-plan that meets your needs. When you work with us, you’ll get a trusted business partner that understands your unique protection requirements.

Coverage for Pest Control Business Operators

At XINSURANCE, we recognize that no two pest control companies are the same. We work with fumigators, termite operators, small animal control companies and others to create a tailored insurance plan consisting of coverages such as:

  • Pest control commercial general liability: GL pays claims for bodily injury and property damage to third parties up to the limits of the policy. It also covers legal defense and lawsuit expenses.
  • Professional liability: Even the most experienced, conscientious pest control professionals can make a mistake that causes property damage or injuries. Errors and omissions coverage protects you in these situations.
  • Commercial auto insurance (available in most states): Whether your pest control business has one vehicle or operates an entire fleet, you’ll need liability insurance to cover accidents that you or your employees may cause while on the road.
  • Commercial aircraft: This specialty liability insurance covers injuries and property damage resulting from crop spraying for pest control purposes.
  • Products liability: Protects against losses resulting from products sold or services rendered during pest control operations.
  • Equipment rental liability: Offers third-party coverage for injuries and property damage that occur when using rented equipment.
  • Individual liability: Provides personal liability coverage for pest control service owners.
  • Alleged sexual abuse and molestation liability: Provides coverage for damages resulting from allegations of sexual misconduct against the pest control service owners or employees.
  • Alleged assault and battery liability: Offers liability coverage for injuries or property damage stemming from altercations or acts of violence.

Be advised that XINSURANCE does not provide workers’ comp.

Pest Control Liability Insurance Coverage Examples

Your liability insurance can come to the rescue in the following situations:

  • While traveling to a job, a container of pesticide falls off your truck and ruptures. Pollution and fumigation liability will cover claims resulting from any pollution-related illnesses.
  • A passerby trips over a piece of equipment you’ve left on the sidewalk while servicing a residential customer. Your pest control general liability plan will cover the injured party’s medical expenses.
  • You recommend an incorrect insect treatment option that damages a residential property. Professional liability insurance can compensate the homeowner for the mistake.
  • A competitor sues you for “stealing” a copyrighted slogan and using it on a billboard that advertises your company’s services. Your advertising and personal injury coverage will protect you.
  • A technician driving one of your company’s vans runs a red light while on the way to a service call and collides with another vehicle. The liability portion of your commercial auto policy will cover injuries and property damage sustained by the other driver.

Experience the XINSURANCE Difference

At XINSURANCE, we’ll help you get the right insurance for these and many other liability issues you could experience in your pest control operation. We’ll tailor your plan to ensure it covers your most significant exposures and offers the limits, premiums, and options that work best for your company. We also provide expert risk management and claims services — we’re available around the clock to take your calls and get the claims process started.

Our Smooth, Seamless Application Process

Our simplified application process eliminates hassles and saves precious time. Start by filling out our online app and submitting it to our underwriting team for review. We’ll then arrange a convenient phone call to discuss the information in more detail. Next, we’ll send a no-obligation quote for your approval. The entire process typically takes less than 24 hours, ensuring you can get the coverage you need quickly.

Please contact XINSURANCE to get your free pest control liability insurance quote today.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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