Helping customers, their homes, and businesses stay free from harmful pests is an admirable part of owning an exterminating small business.
Of course, owning an exterminating company does come with certain risks. Exterminating businesses carry a unique set of hazards to employees, customers, and even business property that may be alleviated through proper exterminating insurance coverage.
If you own an exterminating business, your employees may face risks such as exposure to chemicals or repetitive stress injuries. Your customers could become injured by trip hazards like extension cords or step ladders. Your machinery could be dropped or otherwise damaged.
Fortunately, when you carry the right types of exterminating insurance, your customers, employees, and small business property may be covered.
Workers’ compensation insurance, also called workman’s comp, helps protect exterminating small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.
A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for an exterminating small business.
Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by an exterminating small business.
Cyber risk insurance, also called cyber liability insurance, helps cover exterminating small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.
Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the exterminating business provided.
General liability insurance is a type of policy that helps protect an exterminating small business against third-party claims that involve property damage, bodily injury, or advertising injury.
Professional liability insurance helps protect an exterminating small business against claims by third parties who believe they were harmed due to advice or services the business provided.
Small business group health insurance may be provided by an exterminating small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.
Additional specialized insurance policies—coverage types that are specific to the exterminating industry a small business operates within—may be built into a business owner’s policy or purchased separately.
