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Environmental Risk/ Pest Control
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[av_toggle title=’I’m about to launch a new pest control business in Texas. Is any special liability insurance required for exterminators and pest control businesses? Or is Workers’ Compensation enough?’ tags=”]
Businesses in the pest control industry use pesticides that pose potential risks to human health and to the environment. If a chemical can kill insects or rodents, you’d better believe it can do some serious damage if mishandled or used inappropriately. No matter what the setting—homes or office buildings, warehouses, farms, golf courses, food storage or packing facilities, or along public roads and highways—the risks are real. Accidents happen.
So, yes, Texas does require exterminators, fumigators—in short, all businesses in the pest control industry, to carry special liability insurance in addition to Workers’ Compensation. Specifically, your pest control business needs liability coverage for chemical bodily injury and chemical property damage that occurs during your application, storage, and transportation of potentially dangerous pesticides.
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[av_toggle title=’Is there more than one kind of liability insurance for pest control businesses in Texas?’ tags=”]
Different insurance carriers refer to such specialized liability insurance by different names, and may bundle different coverages under one umbrella pest control liability policy. Some of the terms you may hear include: pollution liability coverage, exterminators liability coverage, fumigators liability coverage, errors and omissions insurance, pest inspection damage liability insurance, to name a few. When you talk to your insurance provider, describe your business in detail and don’t worry about what to call the insurance you need. Let the insurance professionals who know Texas’s insurance laws figure that out.
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[av_toggle title=’How much pest control liability coverage does Texas require me to have?’ tags=”]
It depends. Agricultural pest control businesses in the “maintenance gardener” category are required to carry as little as $5,000 per person per occurrence, but the required coverage amount for companies that spray pesticides from aircraft or apply pesticides by ground rig or do fumigation is as high as $300,000 per occurrence. Again, look to your Texas insurance provider for guidance.
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[av_toggle title=’How do I prove to the state that I have the necessary liability insurance for my pest control business?’ tags=”]
Texas requires proof of liability insurance as part of the licensing process for pest control businesses. To obtain your pest control business license you will need to submit an application, supported by several other documents, including proof that your business meets the Financial Responsibility Requirement.
There are several ways to prove that you have obtained the necessary pest control liability insurance to meet this requirement.
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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START SAVING TODAY
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NOTICE:
We are not a marketing company. We do not sell your information, all information goes directly to an expert insurance broker. Serious inquiries only.
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[av_testimonial_single src=” name=’Anwaar S.’ subtitle=’Chula Vista, CA’ link=’http://’ linktext=”]
“Most agents sell you an insurance policy and forget about servicing it. I am glad to know that my agent is not like that. Very attentive to my needs and I get my certificates right the way Thank you again for being great agent”
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[av_testimonial_single src=” name=’Joe R.’ subtitle=’San Jose, CA’ link=” linktext=”]
“Southern State Insurance has been our provider of business liability insurance for the past 2 years. They are very responsive when need anything, and we find their pricing to be competitive. We are happy with the insurance services we have with Southern State.”
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[av_testimonial_single src=” name=’Chris C.’ subtitle=’Fresno, CA’ link=” linktext=”]
“Great company,great service Anyone who answers the phone is able to take care of all my requests… Nick,Carolina,Karen or Alfa
Good price and even better service”
Owner Colbern Communications
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[av_testimonial_single src=” name=’Attila V.’ subtitle=’San Diego, CA’ link=” linktext=”]
“After being ripped off at other insurance places i came down to this office where they were able to get me a significantly lower rate and got rid of my previous issue i had with my other company. everyone was friendly and cheerful 6 months later i got a call from Alfa who was so nice she was able to get my insurance down another 5$ monthly and still keep my benefits. I’m definitely sticking with these guys forget those other rip offs.”
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