Insurance for pest control companies

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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?

Coverage

Explanation

Importance for pest controllers

Work Injury Compensation Insurance (WICA Insurance)

Protects your employees if they suffer work-related injuries/sickness.

Legally required for all manual workers, or workers who earn <$2,600/month

Public Liability Insurance

Protects you against liability to third-parties for property damage or injuries.

Critical

Commercial Property Insurance

Protects your business property against damage, e.g. fire, explosions, certain types of water damage, etc.

Critical

Foreign Worker Medical Insurance

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:injury at work

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. 

work injury

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

Coverage amount (example)

Premium

Work Injury Compensation Insurance (WICA Insurance)

$10 million common law annual limit

 

$45,000 medical expenses cover per worker

From $19/month, for a comprehensive Pest Controllers Insurance Package deal

 

 

Public Liability Insurance

$500,000

Commercial Property Insurance

$100,000

Business Interruption Insurance

$10,000

Foreign Worker Medical Insurance

$15,000 cover per worker

From $6/month, per worker

Why use Provide for Pest Controllers Insurance?

  • Save up to 25% on your premiums

  • Save time with our convenient online platform to get quotes, file claims, and manage policies 

  • Expert insurance team with 20+ years experience serving both SMEs and large multinational firms

  • Available by phone 7 days/week

Get Pest Controllers Insurance from $19/month. Speak with our experts today!

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