PCO Insurance FAQS

Pest control operators or exterminators are professionals who help keep bed bugs, cockroaches, and other dangerous critters and small creatures out of your homes and yards. As a pest control operator, you perform pest control and address related structural and safety concerns. You travel to client homes and businesses, follow regulations for evaluating and treating infestations, and address customer concerns. In doing so, you are typically working without supervision.

While it doesn’t seem like this profession is full of risks, it surely is. You must protect your pest control business with the right business insurance.

• Termite exterminators
• Fumigators
• Wildlife control
• Mosquito control
• Small animal control
• Lawn & Garden pest control

Anyone in the pest control industry should consider the proper liability insurance.

As a PCO, if you’ve ever overlook termite damage, misapply chemicals, or have damaged your client’s property, you could be responsible for paying these out of your own pocket if you don’t have proper insurance coverage.

That’s why you need insurance for pest control operators from PCO Insurance. Our policies are specifically written for companies in the pest control industry. We can help design a policy that is best suited to your business needs.

The cost of insurance for the pest industry varies depending on a few factors, including:

• Location of the business
• Pest control services offered
• The number of workers you employ
• The risks of your particular business
• Deductibles and liability limits chosen

The average cost for general liability coverage alone costs between $400-700 annually.

Whether you’re a new business or an established brand, let us help you get the coverage you need. Get a free insurance quote by completing the form. Or, feel free to give us a call at 214-526-5076 or, reach out to our email [email protected]. We endeavor to answer all inquiries within 24 hours on business days.

Employee Benefits Packages are all bundles of financing and administration. PCO promotes programs that unbundle these components so that our programs meet the needs of the individual client and offer the most cost-effective solution.

PCO Insurance partners with an independent General Agent for alternative financing of health plans and offers innovative options for Pest Control Operators.

At PCO Insurance, we can design and implement effective employee benefits plans for your business. Our employee benefits include:

• Health Insurance
• Dental Insurance
• Vision Insurance
• Accident Insurance
• Life Insurance
• 401K
• HR/Payroll Service
• Consultation

Yes, 401K is a powerful employee benefit retirement savings tool for everyone in your company; in addition, a 401k plan can help you retain your best employees long term.

• General Liability
• Professional Liability
• Excess Liability

General Liability Insurance is the #1 insurance that any business needs.  General liability insurance protects a business against claims of bodily injury and property damage from customers and clients. These types of claims may result from your company’s products, services or operations.

It will cover someone’s medical expenses and the cost to repair or replace damaged items. If a customer sues you for any injury/damage, a general liability policy will help pay any claim or settlement up to the policy limits.

A general liability policy for pest control businesses can also include unique coverage options such as:

• Pollution and fumigation liability insurance: Pollution coverage is necessary for accidental pollution i.e. an accidental spill of chemicals that damages someone’s property or causes them to become ill.
• Clean up costs for job-site and in-transit pollution: If pollution occurs, your company is responsible for the proper cleanup and all costs associated.
• Care, Custody, and Control coverage: This covers any property damage that occurs to your client’s property while under your care.
• Completed Operations Coverage: This is an add-on that covers any damage caused by your work after the job has been completed.
• Mold Coverage: If your pesticide services lead to mold damage, this would help cover the cost to replace the damaged property.
• Contractual liability: This covers costs associated with lawsuits lodged against you.

Professional liability coverage for your employees is included at no additional cost with your general liability policy.

Excess liability covers losses that may exceed your policy limits. Catastrophic losses such as a death, a major chemical spill, an injured worker or an auto accident can cost more than the typical policy limit.