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As a pest controller, your clients trust you to deliver great extermination services to keep their premises clean and safe. However, if your pest control work ends up injuring people or making them sick, pest controllers can face serious liability issues. Provide is the easiest & most affordable way to get pest controllers insurance. Get your policy online now, in just minutes.
What does Pest Controllers Insurance cover?
Importance for pest controllers
Protects your employees if they suffer work-related injuries/sickness.
Legally required for all manual workers, or workers who earn <$2,600/month
Protects you against liability to third-parties for property damage or injuries.
Protects your business property against damage, e.g. fire, explosions, certain types of water damage, etc.
Protects your business if your foreign workers require medical treatment.
Legally required for all S-Pass and Work Permit holders
What are some claims examples for pest controllers?
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.
How much coverage do I need for my pest control business?
Work Injury Compensation Insurance: You should insure 100% of your workforce. MOM requires all employers to insure their manual workers. Examples include pest control workers who will visit client sites to do pest control work. MOM also requires employers to insure employees who earn $2,600/month or less.
Public Liability Insurance: Consider a minimum of $500,000 coverage.
Commercial Property Insurance: Consider at least $100,000 coverage.
Foreign Worker Medical Insurance: MOM requires employers to insure all their foreign employees who are on S-Pass or Work Permits. If your foreign worker happens to also be a manual worker (or earns $2,600 month or less), you must also purchase Work Injury Compensation Insurance for them, on top of Foreign Worker Medical coverage..
How much does Pest Controllers Insurance cost?
Coverage amount (example)
$10 million common law annual limit
$45,000 medical expenses cover per worker
From $19/month, for a comprehensive Pest Controllers Insurance Package deal
$15,000 cover per worker
From $6/month, per worker
Why use Provide for Pest Controllers Insurance?
Save up to 25% on your premiums
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