Insurance coverages for pest control businesses
Markel Specialty offers coverage specifically designed for your pest control business.
You don’t want cookie-cutter insurance. You want insurance that is created specifically for a pest control business.
General liability coverage in insurance policies protects pest control operators against unforeseen claims and lawsuits. It pays settlements, awards, and the legal cost to defend you, your organization, and your employees. It protects your pest control operation’s reputation which is especially important if a lawsuit is brought 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 death, a major chemical spill, an injured worker or an auto accident can cost more than the typical policy limit. Excess liability with pollution coverage is available with limits up to $10 million.
A workers compensation policy covers expenses resulting from on-the-job injuries including:
- Lost wages and benefits
- Medical care and rehabilitation services
- Legal representation and compliance services
Available in select states. Check availability with your agent.
Customized coverage enhancements include:
Limited mold coverage
Covers for bodily injury or property damage resulting from a fungi or bacteria incident that was caused from your business operations.
Inspection for termites, wood destroying insects and organism, up to policy limits.
Covers for bodily injury or property damage resulting from a fumigation your business performed.
Covers misapplication of herbicide/pesticides.
Covers damage to your client’s property or injuries to your client after your job has been completed.
Personal and advertising injury
Covers lawsuits resulting from advertisements you’ve placed to promote your business (I.E. libel, slander, invasion of privacy, copyright infringement, and misappropriation of advertising ideas).
Care, custody and control
Covers damage to your client’s property that is in your care, custody or control.
Covers lawsuits arising from damages you assumed responsibility for in a contract.
Covers you if someone (other than you or your employees) is injured on your client’s property due to an unsafe condition caused by your operations.
Reimburses others for medical expenses they incurred from bodily injury or death caused by you, regardless of whether or not you were actually at fault.
Fire legal liability
Covers fire damage caused by your business operations.
Job site pollution up to policy limits.
Transit pollution up to policy limits.
Blanket additional insured including completed operations, waiver of subrogation, per project aggregate and primary non contributory.