Insurance for pest control companies

You accidentally injure a member of the public:

You were out doing a pest control job at a worksite. While spraying high-strength pesticides on the wall, a man suddenly walks around the corner. You accidentally spray the pesticide at the man. The man develops an allergic reaction to the pesticide. He develops severe skin inflammation, and has to seek medical treatment. He subsequently files a personal injury lawsuit against your company. The legal letter demands $10,000 in compensation for his medical expenses, and damages to compensate him for psychological trauma suffered. Since you have Public Liability Insurance, your policy gets activated to protect you. The insurance company will pay for your lawyer’s expenses to defend your company, and also pays for the $10,000 claim.

Your employees get injured while working: While carrying out pest control works at a client’s worksite, one of your employees accidentally trips over a wire on the floor. He breaks his arm. His medical costs end up being $2,500. He’s also given 4 weeks of medical leave. Under WICA regulations, this was a work-related injury. Therefore, you must compensate the employee for his medical expenses and his lost wages while he’s on MC. With WICA Insurance, the insurance company will take care of the $2,500 medical bill, and also the worker’s lost wages your worker’s medical costs and his lost wages.