Pest Control Insurance

You own a pest control company. If you know how to run a business, it's a great, recession proof gig. You won't run out of work, but it's far from easy. You need to know what you're doing. You need to prepare for the worst and mitigate risk. You can't get by without insurance.

Types of Insurance

You can't operate a pest control business without insurance. Well, I mean, you can, but it's a horrible idea. Without insurance, your business, your finances, your personal wealth is exposed. Insurance will provide your business with protection and support when you need it most. Continue reading or get in touch with a pest control insurance specialist now. Here are a few of the policies you should consider for your pest control business:

General Liability will protect your company when you or one of your employees injures someone or damages another person's property. Exterminators use chemicals and poisons to kill rodents and insects. It's not uncommon for homeowners, neighbors, or people who walk by a fumigated home to be exposed to dangerous chemicals. When this happens, you may be ordered to pay expensive medical bills. General liability coverage will take care of these expenses and give you the peace of mind you need to continue to operate your business.

Property insurance will help you if your personal property or real estate is damaged. It's likely that you'll store chemicals on-site. When you do, you should know that it's possible these toxins could leak. When this happens, you may need to spend hundreds or thousands of dollars to replace your supply and to clean-up the mess. Don't take a gamble. This happens more often than you may think. Protect your company and your assets and make sure you have property insurance.

Environmental Insurance is a must if you own a pest control company. You're going to be spraying chemicals into the air. Plants, animals, and people will at times be exposed to the fumes. If you break environmental laws and if you're ordered by a court to clean-up a protected area, you likely will need to shell out thousands of dollars. Unless you're rolling in money, this is bound to set you back.

E & O Liability stands for errors and omissions. You're an exterminator. You're considered a specialist. You specialize in killing bugs and rodents. If you don't know what you're doing, your customers won't be happy. They expect you to get the job done, on time, and at an affordable price. When you don't fulfill their expectations they could sue. When they do, you better hope that you have E & O coverage.

Commercial Auto is another important policy to consider. Your employees must drive to clients' homes and offices when they get called. Unless they drive their own vehicles or as long as you supervise, manage, or in any way control your employees' action, then you need commercial automobile coverage. If you don't, you could be on the hook for any and all injuries that your employees cause on their way to and from appointments.

Crisis Management and Cyber Security Insurance are becoming more and more necessary these days. Businesses around the globe are getting hacked. You may be next. Protect your interests and make sure you have a way to restore the faith in your computer systems and your company when you're the victim of a cyber attack.

Workers' Compensation is mandatory in most states. You can opt out in Texas and Oklahoma and you may be able to meet exceptions in several other states. If you don't or even if you do, don't underestimate the value of workers' compensation insurance. It's very likely that one or many of your workers will be injured on the job. Work comp will take care of your employees' medical expenses and will reimburse them for wages that they lose when they're off work due to a work-related injury. Without work comp, your company will be burdened with lawsuits and the medical bills and disability payments will start to pile up. Don't go it alone. Purchase a workers' compensation policy if you don't already have one.

Medical Insurance must be provided for all full-time employees if you employ 50 or more people. Although efforts are in place to repeal the Affordable Care Act (ACA), as of today it remains the law of the land. It's uncertain whether efforts to get rid of the ACA will succeed. If they fail, you'll need to be able to provide health insurance to your workers. Don't gamble on the chance that this requirement will be abolished. Set a plan in place to make sure you can meet the health care requirements.

Inland Marine covers your mobile equipment. You probably will need to bring more than a few supplies with you to your customers' homes and businesses. The tools that you rely on could be damaged on your way to your next client. When they are, you don't want to have to pay to repair and replace all of your supplies. Contact an insurance agent and ask him/her about the ways in which an inland marine policy could benefit your pest control business.

Loss of Income will take care of you when you need to shut down part or all of your business for a while. Let's say one of your employees gets into a car accident. He's out of work and your company truck needs repairs before it will be ready to hit the road again. When this happens, your car and worker will be hopefully be covered by your commercial auto and workers' compensation policies. That's the good news. The bad news is that you're likely to miss out on the profits you would have earned from your injured worker and your truck. That is unless you have loss of income insurance. This will reimburse you for a portion of the estimated profits that you would have earned if your employee and your truck were able to operate like normal. Loss of income insurance will provide you with extra cash flow when you desperately need it.

Employment Practices Liability Insurance protects companies from harassment and discrimination lawsuits. Your respect your employees and you expect them to do the same with their coworkers and customers. Unfortunately, sometimes your workers aren't who you thought they were when you hired them. If they harass or discriminate against someone else, you need to know that you can pay the costs associated with protecting your business. Justice needs to be served. You want your employees to be punished if they harmed someone else, but you have to look out for your company's best interests at the same time. Employment practices liability insurance will support you if one of your employees is accused of harassment or discrimination.

Advertising insurance has become a more common need over the years. In 2017, you need to get your name out there if you want to succeed. Without knowing it, you make unintentionally use another company's slogan. Or, you might be accused of not providing the services and the quality that you promised in your advertisements. Hopefully, this doesn't happen, but if it does you need to be protected. You need advertising insurance.

Product liability is a good idea if you make and sell your own line of exterminator products. If you have a degree in chemistry or a background in producing chemicals, you may want to try your hand at manufacturing and distributing your own brand of pest repellant. You can do this, but it's risky. If your product injures someone who uses it or causes damage to a person's property, you could be sued. If you injure several people, you could be on the wrong side of a class action lawsuit. If this happens and if you don't have the proper insurance, your business is finished. When you create your own products, make sure they're insured by a product liability policy.

Excess coverage is your safety net. It will have your back when you're hit with an especially gnarly lawsuit. Your standard base level liability insurance will only cover your losses up to a particular dollar amount. After you exceed these limits, you'll be held responsible for paying out the rest. Excess insurance is a good idea if you work with larger clients. If there's a chance, even a slim one, that you could cause damages that go beyond your primary insurance limits, then excess insurance is a highly recommended.

Common Business Concerns

At the end of the day, you're a business owner. Yes, you kill bugs, but you're still a company. You have to manage employees, secure contracts with clients, and you must live up to expectations if you want any chance of sticking around. You share these interests and concerns with business owners of all varieties. Don't forget this. Be reasonable, be logical, and make decisions that make good business sense.

Unique Concerns

You can't deny that your job is unique. You own a pest control company. Your concerns are different than what you may encounter if you sold pizzas. You need to acknowledge this and act accordingly. You and your employees will need to be around and in contact with chemicals. This puts your company at a greater risk than many others. Don't ignore this fact, embrace it. When you're in the market for insurance, think of all things that could go wrong. How bad could things really get? When you have an answer, find ways to protect yourself against those risks. Research the different types of insurance available to you and think about whether or not they could help your company. Understand your unique business, your unusual risks, and take action to protect your interests.

Future of Pest Control Insurance

In the past, not too long ago, pest control insurance wasn't a thing. Yea, it's a relatively new concept. Pest control companies and exterminators have been around for a while, but not like those we see today. In today's world, you can call up an exterminator to remove unwanted insects and rodents from your property. It wasn't always this way. Back in the day, you hand to take care of these pests on your own. Our culture and our communities are still getting used to the idea of professional pest control services. In the same way, insurance companies are trying to figure out all of the risks involved in operating this sort of a business.

In 2017, insurance companies are working with pest control companies in ways never before seen. They're communicating with experts in the field and they're hiring people who have worked in the industry. They're learning the risks involved and they're doing what they can to provide all of the policies and coverages that you, the pest control business owner need. Insurance companies aren't perfect. Many of the insurance plans on the market today are inadequate or unreasonably expensive. Over time, the options available to you and business owners like you will no doubt improve.

For pest control owners like you, the future is bright, as long as you don't mess it up. You have a lot on your plate, no one will argue with you there. You have a lot of responsibilities. Your employees rely on you to pay their bills. Your family expects you to put food on the table. It's tough. You have a lot of pressure, a lot of stress. You can't avoid this. It comes with the territory. What you can do is prepare. It's not quick. It's not simple. You'll have to work hard to understand all of the risks you'll face. When you think you do, you'll be wrong.

The industry is forever changing and insurance will always be complicated. You may think you can be successful without it, but you're wrong. You need it. Insurance is a necessary evil; it's an unavoidable expense. Learn this now, don't kid yourself. Get real, get insurance, and be vigilant.

No, the life of a business owner isn't for everyone. The career of a pest control owner is probably even more exclusive. If you want it, if you want to succeed, you can, but only if you're smart. Put in the time, do your research, and buy the insurance you need to stay in business for years to come.
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