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Pest Control Insurance

Contractors Insurance, an award-winning commercial insurance brokerage in Ontario, is known for providing comprehensive and personalized insurance plans. If you’re looking to set up pest control insurance for your business, then look no further—we’ve got you covered.

If you operate a pest control business, our customizable policies are sure to give you the coverage you need from the risks your business is exposed to.

We value the trust that clients all over the country have in us. Our team is here to continuously provide end-to-end assistance, no matter how big or small your business is. At Contractors Insurance, your business is in good hands!

What Is Pest Control Insurance?

Pest control insurance is a policy that is specifically designed to cover the risks and hazards that pest control companies face. Running a pest control business means you specialize in ridding homes, buildings, or properties of unwanted rodents or other pests with the use of chemicals.

Also known as exterminators, pest control services eliminate vermin to prevent further infestation of the area. Because of the use of traps with poison or natural baits, workers are usually exposed to harmful substances or toxic materials.

The best pest control insurance will usually cover the following:

Commercial General Liability Insurance (CGL) 

Commercial general liability insurance covers a broad range of risks—from third-party bodily injuries and property damage to product liability or advertising/reputational injury. 

For example, if while working on a client’s property, the heavy machinery you’re using accidentally bumps into and damages the client’s deck, then CGL will help pay for the repairs or replacements required. This policy also covers medical or legal costs associated with third-party injuries.

Pollution Liability Insurance 

Pollution occurs when a contaminant or pollutant is released into an indoor or outdoor environment and affects soil, bodies of water, air, or the health of the people living in the area. As a pest control business, you handle harmful chemicals in your day-to-day activities.

Having pollution liability insurance helps you cover the cost of damages to a client’s property or the effects on their health caused by toxic substances you use for your services. Also known as environmental insurance, this policy covers legal fees and clean-up costs as well, which ensures protection against financial liabilities.

Tools and Equipment Insurance 

Fumigation services require special equipment and chemicals. Additionally, as a pest control business, you need several traps, repellants, and tools to successfully complete your job. These tools and equipment fetch a pretty penny because of their special nature, which means they’re susceptible to theft or vandalism.

Tools and equipment insurance will cover repairs or replacement costs related to lost, stolen, or damaged items. This policy applies whether the materials were stolen/damaged on-site or while in transit from one job site to another. 

Commercial Auto Insurance 

Commercial auto insurance covers costs in case you get into an accident while travelling to and from a client’s property or building. This policy helps pay for the damages caused to another vehicle, third-party property damage, third-party injuries as a result of the accident, and settlement fees in the event of a lawsuit.

Who Can Benefit From Pest Control Insurance? 

Getting pest control insurance can benefit you if you:

  • Risk third-party injuries or property damage while working;
  • Offer residential and/or commercial pest control;
  • Offer fumigation services;
  • Offer insect and bed bug extermination control;
  • Have weed removal services; and
  • Have wildlife and rodent control services.

Additionally, some provinces in Canada (such as Ontario) require pest control technicians to carry insurance that includes pollution liability for safety purposes.

The above qualifiers indicate that you are using potential pollutants or contaminants that might put your employees’ or clients’ health at risk. Pest control insurance can protect you against financial liabilities caused by lawsuits or medical costs. If you’re looking to secure pest control company insurance, Contractors Insurance is here to assist you.

Why Is It Important to Have Pest Control Insurance? 

Even with all the preparation and preventive measures in place, accidents happen and risks cannot be totally eliminated. Therefore, protecting your business against liabilities is a must in the pest control industry.

Pest Control Claims Examples

Pest control businesses use high-powered tools, specialized equipment, and toxic chemicals while providing their services. Hazards present themselves on any given day, and this could lead to accidents that cause serious harm to clients or even the technicians themselves. Some of the claims that arise from these hazards may include:

Claims Example #1

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    After a fumigation session to remove a cockroach infestation in a client’s home, some of the remaining gas chemicals leaked into the HVAC system without anyone knowing. A few weeks later, some of the employees working in the newly-fumigated area became very sick.

  • Outcome Icon

    If you have pollution liability insurance included in your policy, this will help cover the costs of a lawsuit for illness-related injuries worth around $250,000.

Claims Example #2

  • Problem Icon

    While in transit to a client’s building, your technician gets into an accident, and your company-owned car plus a third-party vehicle gets damaged.

  • Outcome Icon

    The costs borne out of this accident is covered by commercial auto insurance, which includes repairs to both vehicles estimated to be $60,000.

Claims Example #3

  • Problem Icon

    To help get rid of a rat infestation in a customer’s house, your pest control professionals leave a trap in the basement. One of their children steps on the trap, and this results in an injury.

  • Outcome Icon

    The client will sue your business for their child’s injury. Luckily, commercial general liability insurance covers the $18,000 lawsuit served against your company.

Leading Provider of Pest Control Insurance in Ontario 

At Contractors Insurance, we are dedicated to guiding our customers through their insurance plans. To this end, we will provide you with the following valuable benefits:

Personalized Insurance Plans 

We customize the insurance plans we offer to our clients. This is to ensure that you will only pay for the coverage unique to your business’s needs—experience personalized policies without unnecessary riders. 

Complete Transparency on Coverage and Limitations 

Enjoy complete transparency while we walk you through the ins and outs of your pest control insurance plan, including what triggers the claim, and the exclusions to your policy. 

Is there something that isn’t to your liking? No problem! We’ll readily make adjustments to your coverage to suit your needs. 

Thorough and Straightforward Insurance Education 

More than just our client, we treat you as our partner. If you need to make tough decisions regarding your insurance plans but are unsure of the terminology or the technicalities, we’ll use our expertise to provide valuable insights to you. 

Frequently Asked Questions About Pest Control Insurance

There are many factors that are taken into consideration when determining the cost of pest control insurance, including but not limited to:

  • Number of employees;
  • Project type (whether it’s commercial or residential);
  • Years of experience in the business;
  • License/certification;
  • Location; and
  • Tools and equipment owned.

The short answer is yes. There’s a specific insurance coverage required to operate a pest control business. You cannot legally operate an extermination business without insurance that meets the criteria outlined in s.93 of O.Reg. 63/09.

Ready to Get the Coverage You Need?

Contractors Insurance is an Ontario-based, award-winning insurance brokerage that specializes in providing clients with insurance policies tailor-fit to their needs. We offer personalized pest control insurance bundles and ensure a customer-centric approach. You can count on us anytime. 

For detailed inquiries about our insurance policies, contact us today or get started with a quick quote!

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