Pest Control Insurance Coverage

Pest control operators face unique challenges every day. From chemical exposure to property damage, Harper Insurance understands the complex risks that extermination businesses encounter while eliminating pests, applying treatments, and protecting properties from infestations using specialized equipment and pesticides.

Our comprehensive pest control insurance policies are specifically designed for residential exterminators, commercial pest management companies, and fumigation specialists. Whether you operate a single-truck operation or manage a large pest control fleet, we provide tailored coverage solutions that protect your business, equipment, and professional services.

Essential Pest Control Insurance Types

General Liability Insurance

Protects against property damage from chemical applications, customer injuries, and third-party claims arising from pest control treatments. Essential coverage for chemical drift, overspray incidents, and treatment-related damages.

Professional Liability Insurance

Covers claims alleging inadequate treatment, pest problem recurrence, and failure to eliminate infestations as promised. Protects against professional service delivery issues and treatment effectiveness disputes.

Pollution Liability Insurance

Critical protection for environmental contamination from chemical applications, soil contamination, groundwater pollution, and cleanup costs from accidental chemical releases during pest control operations.

Commercial Auto Insurance

Essential coverage for pest control vehicles including liability protection, physical damage coverage, and specialized equipment protection for trucks equipped with chemical tanks and application equipment.

Commercial Property Insurance

Protects business equipment, chemical inventory, office facilities, and specialized pest control tools against theft, fire, vandalism, and natural disasters affecting your operational capabilities.

Workers' Compensation Insurance

Mandatory coverage for employee injuries from chemical exposure, equipment accidents, and workplace incidents during pest control operations including medical expenses and lost wage protection.

Product Liability Insurance

Protects against claims that chemicals or treatments you applied caused harm to people, pets, or property. Essential coverage for pesticide application and chemical treatment services.

Commercial Crime Insurance

Protection against theft of expensive equipment, chemical inventory, and business funds. Essential for pest control operations with valuable specialized equipment and chemical supplies.

Pest Control Operations We Serve

Residential Pest Control
Comprehensive protection for home pest elimination services including termite treatment, ant control, and general residential pest management with specialized homeowner liability coverage.

Commercial Pest Management
Enhanced coverage for business pest control including restaurant treatments, office building services, and industrial pest management with specialized commercial property protection.

Termite & Wood Destroying Pest Control
Specialized protection for termite treatments including structural damage coverage, chemical injection liability, and wood-destroying pest elimination services with enhanced coverage limits.

Fumigation Services
Additional coverage for tent fumigation, gas treatments, and whole-structure pest elimination including specialized fumigation liability and chemical exposure protection for intensive treatments.

Wildlife & Animal Control
Enhanced protection for animal removal services including bat exclusion, rodent elimination, and wildlife management with specialized animal handling and property damage coverage.

Agricultural Pest Control
Comprehensive protection for farm and agricultural pest management including crop treatment services, livestock pest control, and specialized agricultural application coverage.

Pest Control Risk Factors

Chemical Exposure & Health Risks
Pesticide poisoning incidents, chemical burns, respiratory problems, and long-term health effects from chemical exposure affecting customers, employees, and neighboring properties during treatments.

Property Damage from Treatments
Chemical staining, plant damage from overspray, structural damage from drilling, and property destruction during pest elimination procedures requiring property restoration and replacement.

Treatment Effectiveness Issues
Pest problem recurrence, inadequate elimination results, and customer dissatisfaction with treatment outcomes leading to service disputes and professional liability claims.

Environmental Contamination
Soil and water pollution from chemical applications, drift onto neighboring properties, and environmental cleanup requirements from accidental chemical releases during pest control operations.

Equipment & Vehicle Accidents
Chemical tank ruptures, equipment malfunctions, vehicle accidents while transporting pesticides, and mechanical failures affecting treatment delivery and creating safety hazards.

Regulatory Compliance Challenges
EPA violations, state pesticide licensing requirements, chemical application restrictions, and regulatory compliance failures that can result in fines, penalties, and operational restrictions.

Get Your Pest Control Insurance Quote

Protect your extermination business with comprehensive coverage designed for your industry. Our experienced agents understand pest control risks and will work with you to build a protection plan that covers your specific operations, equipment, and chemical application exposures.

Key Benefits of Working with Harper:

• Specialized pest control expertise
• Chemical application risk management
• EPA compliance guidance
• Expert extermination claims handling
• Coverage for diverse pest services

Ready to protect your pest control business? Contact Harper Insurance today for a comprehensive quote tailored to your extermination operations and pest management requirements.