Pest control companies work with chemicals, equipment, and client property, which means specialized protection is essential. Core coverages include:
- General Liability – Protects against property damage or third-party injuries, such as accidental overspray or a client slip during service.
- Workers’ Compensation – Required in most states if you employ staff; covers injuries from chemical exposure, lifting, or equipment accidents.
- Commercial Auto Insurance – Covers vehicles used to transport pesticides, sprayers, and traps.
- Commercial Property Insurance – Protects your office, storage facilities, and supplies against fire, theft, or other damage.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection if operations are disrupted.
