Colonial General Insurance Agency, Inc. offers a specialized Exterminators Insurance program designed for pest control professionals responsible for detecting, managing, and treating insect and animal infestations. This program is ideal for businesses handling pests such as rodents, birds, bats, raccoons, and similar nuisance wildlife. Coverage also extends to operations involving the placement and removal of radon test canisters and the application of herbicides.
Ideal Accounts and Appetite
This program is tailored for licensed pest control operators, exterminators, and wildlife removal professionals. Whether your client specializes in residential, commercial, or industrial pest management, this offering provides versatile options to meet a wide range of operational needs. Accounts that involve general pest control, termite inspections, nuisance wildlife control, and herbicide application are a strong fit.
Example accounts might include:
- A regional pest control company performing rodent and termite inspections in both residential and commercial buildings.
- A wildlife removal contractor offering bat and raccoon exclusion services, plus radon testing and herbicide spraying.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary Limits up to $3,000,000 Occurrence and Aggregate
- Additional Interests—$100 each
- Blanket Additional Insured option—$250
- Excess/Umbrella Limits—up to $25,000,000
Included Coverages:
- $5,000 Medical Payments Coverage
- Pesticide/Herbicide Applicator Coverage—Policy Limits
- Wood Destroying Organism Inspection Coverage—$25,000 per occurrence / $100,000 aggregate (higher limits available)
- In-Transit Pollution Coverage—$25,000 per occurrence / $100,000 aggregate
- Property Damage Extension (Care, Custody, Control)—Up to $200,000 per occurrence / $300,000 aggregate
- Lost Key Coverage—$25,000 limit
- No deductible required
- Loss Prevention Brochure available to support client education and risk management
Property Coverage Options:
- Accounts Receivable
- Basic, Broad, or Special Form
- Buildings, Contents, and Outside Signs
- Business Income and Extra Expense
- Computer Equipment and Valuable Papers
- Contractor’s Equipment and Equipment Breakdown
- Replacement Cost or Actual Cash Value
Crime Coverage Options:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General evaluates each risk individually and offers flexibility in coverage structure. While minimum premium details are not specified, agents are encouraged to submit full applications for quick turnaround and competitive pricing. The program is offered through various carrier partners and includes access to both admitted and non-admitted markets depending on state and risk profile.
Territories and Availability
This exterminators insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by coverage type and carrier partner.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche commercial insurance markets. Their exterminators program is supported by strong carrier relationships and tailored underwriting solutions that help agents secure comprehensive protection for pest control professionals. With access to both mono-line and package policies, agents can deliver flexible, competitive options that meet the diverse needs of their clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include licensed pest control operators, wildlife removal services, and companies offering termite inspections, radon testing, or herbicide application.
Is this program available in all states?
No, coverage is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both liability and property coverages available?
Yes, the program offers both mono-line and package options that can include general liability, property, and crime coverages.
What limits are available under general liability?
Primary limits up to $3 million occurrence/aggregate and excess limits up to $25 million are available.
Is this an admitted or non-admitted program?
Some admitted markets are available, depending on the state and carrier used for the risk.
Need help placing an account? Connect with a market specialist.