Insurance for Pest Control Companies

Your job is to keep insects, rodents, reptiles, and other creatures away from your clients’ homes and businesses. But who’s looking out for your business? What risks are facing pest control professionals like you?

Kincaid has partnered with West Bend Insurance to offer complete insurance coverage for the unique business needs of pest control professionals.

We provide pest control insurance to business owners in Indiana, Kentucky, and Illinois.

What to Look for in a Pest Control Insurance Policy

You’ve built your business by providing a needed service at a reasonable price. However, in your industry a few bad decisions could damage your reputation and potentially expose you to unnecessary liability. You may not realize it, but your company may already be exposed to several different types of liability each day, including: general liability, professional liability, contractual liability, employment practices, property and auto, and even crime. 

When selecting an insurance policy for your pest control business, the following options should be considered. (Kincaid Insurance has partnered with West Bend to provide you a policy that meets all these requirements.)

• Errors and omissions professional liability insurance

• Pollution coverage for general liability and commercial auto

• Wood damaging insects/organisms inspections

• Lost key coverage

Additional Options Include

• Employment practices liability

• Employee benefits coverage

• Equipment and tool coverage

• Bonds: license and permit, business service, ERISA

• Fire legal liability

Does My Pest Control Business Qualify for Coverage?

To best answer this question, we suggest you first contact us to discuss your exact situation. In general, this program is designed for pest control professionals who meet the following criteria:

• Offer pest control inspections or consultations for wood destroying insects/wood destroying organisms

• Work with industrial, healthcare, commercial, institutional, recreational, residential, or hospitality clients

• Use chemicals inside of structures and surrounding areas

• Offer control services for ants, termites, hibernating insects, wasps, roaches, bees, and other pests

• Remove troublesome wildlife, birds, rodents, and small mammals

• Must hold proper license or certification as required by authorities and have an acceptable 3-5 year loss history. Chemical/pollution coverage is subject to all state and federal laws.