Pest control insurance… what’s it all about?
As a pest control professional, your job is continuously tasked with keeping commercial buildings and personal home residences safe. This means, free from unwanted pests, insects and unwanted infestation. Your work helps protect the health and safety of people in the building. As well as, helping to maintain the structural integrity and well-being of buildings.
Having the proper type of business insurance can help protect your business from financial risks if your company faces an injury or property damage. Also, an advantage of having pest control insurance is that your business will become more marketable. It’s true, many customers will only hire pest control professionals with the proper type of insurance.
What’s needed when it comes to insurance coverage?
Some of the most common insurance coverages for pest control professionals include commercial general liability insurance, workers compensation insurance, and even commercial auto insurance.
Commercial general liability insurance entails property damage, bodily injury and products and completed tasks.
Property Damage: For example. property damage may come into play as a PCO is inspecting a client’s home or attic for rodents such as mice, and accidentally kicks a hole through the ceiling. Now the clients property becomes damaged on scene.
Bodily Injury: For example, a client trips over equipment you left out and sues your business for negligence. Your business could be responsible for their medical bills and lost wages if your business doesn’t have the proper insurance coverage.
Products & Completed Operations: While spraying a client’s home for fleas, and other insects, you damage an electrical outlet. A few days later, the outlet catches fire and damages the house. The homeowner sues your company. If your pest control business does not have the proper insurance coverage, your company could be paying these fees out of pocket.
Take a look at our published blog post to learn more about what is insurance for a pest control professional.
How do I get insurance for my pest control business?
There are many factors to consider when purchasing insurance for your pest control business. These factors include the financial strength of an insurer to the pricing that you’re being offered. No two businesses are the same. Therefore, an insurance package for your pest control business will be fairly customized to meet your businesses needs.
Have a Question?
Feel free to reach out to us today with any questions you may have regarding PCO insurance coverage and why your business needs this.
In addition, here is a link to view the different services that we offer. If you are in need of PCO Insurance, you’ve come to the right place. We’re here to help!
