Texas Pest Control Insurance

What Is Texas Pest Control Insurance?

Texas Pest Control Insurance is a specialized form of commercial insurance that is designed to cover the unique risks associated with operating a pest control business in Texas. These risks include chemical spills, your liability to home owners during and after the completion of a job, business auto insurance for your trucks, specialized coverage for your property and equipment and worker's compensation for your hardworking staff.

True Texas Pest Control Insurance is Coverage Designed to Keep the Bugs Away

Protecting your pest control business involves more than just a standard commercial insurance policy. Your business needs specialized coverage that a general commercial liability policy leaves out.

When your crew hit the road, sprays chemicals in and around someone's home or uses specialized equipment to complete jobs, you invite unique risks that a general commercial policy doesn't properly cover. From your pest control technicians to your spray equipment to your work trucks merging onto Texas highways, you have a lot at risk.

At Insurance For Texans, we don't guess. We engineer specialized coverage to cover your pest control company and keep you in business for years to come.

What Are Essential Coverages for a Pest Control Business in Texas?

Here are the five essential components of a robust Texas Pest Control property policy:

Commercial Property Insurance: If you own your storefront and/or a warehouse where you store chemicals and supplies, you need property insurance to cover these vital components of your business.
Commercial Auto Insurance (Comprehensive and Collision): Your trucks don't just get your work crews to and from job sites, they are also at risk for property damage themselves. Commercial auto insurance gets your trucks back on the road after a car accident or damage from a Texas storm.
Liability Insurance: General liability, Professional Liability and Cyber Liabilty are all essential coverages for pest control businesses in Texas.
Workers Compensation Insurance: While Workers' Comp is a liability insurance, it is special because of how it protects both employees and your Texas Pest Control business. You cannot be sued if they are injured, and they can get the help they need.
Inland Marine Coverage (Tools and Equipment Floater): Even though it has a funny name, this coverage is essential to properly protect your specialized tools and equipment. General commercial policies have sub-limits on certain kinds of equipment that greatly reduces your payout in the event of a claim.

KEVIN MCKEE - ROSS PEST CONTROL

Insurance for Texans and Brad Hancock have provided a full range of insurance for us for years. Very easy to work with, extremely knowledgeable, and patient to answer all of our questions. Highly recommend this company for your insurance needs.

Essential Pest Control Liability Insurance Coverages

In Texas, pest control companies are required to have a minimum amount of general liability insurance. However, your pest control business will be better served by increasing your liability limits and coverages beyond state minimums.

To fully protect your pest control business, your liability package must include these seven specific pillars:

1. General Liability

General liability insurance for Texas pest control businesses is required by the state. It also serves as a vital shield by covering third-party bodily injury, property damage, and the expensive legal defense costs resulting from accidental damage to customer property, chemical spills, or overspray.

2. Pollution Liability

Pollution coverage is a specialized endorsement that fills the dangerous gap left by standard policies that typically exclude any damage from chemical spills. This protection pays for the high cost of environmental cleanup and legal defense if a pesticide leak or overspray happens at your shop or a customer’s property.

3. Professional Liability (E&O coverage)

Professional liability for pest control companies, often called errors and omissions insurance, covers your business if a customer claims that your professional expertise or inspections failed to prevent a problem. It specifically protects you from the financial fallout of missed infestations or incorrect advice, covering structural repair costs and legal fees that standard general liability policies typically exclude.

4. Completed Operations Coverage

Completed operations coverage acts as your business's safety net for any accidents or injuries that occur after your technician has finished a job and left the client's property. It ensures that if a chemical reaction or structural issue arises weeks or months after a treatment, you are covered for the resulting claims and legal costs.

5. Employment Practices Liability (EPLI)

EPLI protects your pest control business from claims made by employees alleging their legal rights as workers have been violated. For a growing pest control fleet, this coverage is essential to defend against lawsuits involving wrongful termination, sexual harassment, discrimination, or retaliation that standard liability policies do not cover.

6. Worker's Compensation Insurance

Worker's comp provides medical benefits and wage replacement for technicians who are injured on the job . Texas is one of very few states that does not mandate this coverage for most private employers. However, this coverage protects your employees and provides a legal shield for your business in the event of a workplace accident.

7. Cyber Liability Coverage

Cyber liability insurance acts as a digital shield for your pest control business by covering the financial fallout from data breaches, ransomware attacks, and the theft of sensitive customer information like billing details or home access codes. In an era where your technicians rely on cloud-based route schedules and smart traps, this coverage ensures that a single hacker doesn't turn your company’s growing digital footprint into a total financial infestation

MRS SWAIN

EXCELLENT SERVICE!!! Mr. Bradley Hancock was available to answer all questions and concerns.
He explained everything in detail and also added a video. I highly suggest this company.

How Much Does Pest Control Insurance Cost?

This is the most common question that we get.

The answer depends on the specifics of your pest control operation. Here are four key factors that can dramatically change how much you pay!

1. Number of trucks and their value. Your commercial auto policy premium will depend on the number of trucks that you have on the road and how valuable they are in resale value and how much equipment is attached to them.

2. Property insurance relies on square feet and construction type. Older and/or bigger buildings tend to increase your property insurance costs. Having a lot of specialized equipment that is not permanently attached to trucks will also increase your costs.

2. Liability insurance relies on revenue and payroll. The more income your business brings in, the more you have at risk because you are doing more work. Likewise, the more you spend to pay your employees, the more coverage you need for workers' compensation. These two drivers are not as expensive as commercial auto or property, but they still have an impact on your total cost.

3. Claim History. Carriers look at your claims history for the previous 5 years. The more claims you have, the insurance company assumes the riskier are your operations. That makes your pest control insurance policy more expensive.

4. Location Geography matters. Businesses in flood prone zones on the Texas coast face different storm conditions than those in the Piney Woods of East Texas. The same can be said of the Texas towns that typically see the most hail like the counties along the Red River north of Dallas-Ft Worth. The insurance companies charge more where more storms happen.

How to Get the Right Coverage for Your Texas Pest Control Business

You don't need another quote. You need a strategy to protect your future.

At Insurance For Texans, we don't guess. We engineer a policy to fit your budget and your theology. Our three step process ensures you never have to wonder if you are covered.

1. Assessment We audit your current insurance policy to look for language that could leave you exposed in the event of a claim.

2. Strategy We market your business to the right carriers. We have excellent relationships with many commercial insurance carriers in Texas.

3. Execution We structure the deductibles and limits to fit your business's specific needs and budget. We act as your advocate so that you can be properly covered as your business grows.

This is the basis for how we write all business insurance policies. We start with a foundation of answers to important questions about your business. It should be what you expect from any insurance agency who provides your pest control business with commercial insurance.

JASON RISLEY

These guys are GREAT. They listen and ask great questions. They understand my business. They care about protecting me and not overselling items that aren't needed. They format the information in a way that's EASY to understand... which is tough to do. Grand slam home run in finding this help for my small business. Highly recommend!

Frequently Asked Questions

Does Texas require Worker's Compensation Insurance?

Worker's Compensation Insurance is not required in Texas. However, employees can sue their employer for work related injuries without it.

Does general liability cover my responsibility once a service is done?

No. General Liability typically covers physical accidents on the premises (slips and falls). You need completed operations coverage to protect you for liability that arises after the job is done.

What are the most common insurance claims for pest control companies?

1. Customer injuries at job sites

2. Chemical spills and property damage

3. Auto accidents in company vehicles

4. Not applying pesticides correctly

5. Employee injuries on the job

Can I bundle multiple insurance policies together for my pest control company?

Commercial insurance policies are known as package policies. This means that there are multiple coverages together in one policy.

Why did my insurance company deny a claim on my work truck even though I have a personal auto policy?

Vehicles that are used for business purposes need a commercial auto policy. Standard personal auto policies do not cover commercial vehicles.