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Ryan Specialty National Programs
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Ryan Specialty National Programs
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Pest Control Insurance

Insurance for Pest Control Operators

Pest control professionals protect homes, businesses, and public spaces from harmful pests — but their operations carry distinct risks. Ryan Specialty National Programs offers a dedicated Pest Control Insurance program built for pest control businesses and the agents who place them. The program provides agents access to broad, market-aware coverage options tailored to this niche industry, with flexible limits and in-house umbrella capacity.

This program addresses exposures such as property damage, transit pollution, job-site contamination, and professional liability. Whether your client is a startup or an established operator, Ryan Specialty National Programs helps you place a package that matches their operations and risk profile.

Ideal Accounts and Target Classes

Ryan Specialty’s Pest Control Insurance program is designed for a wide range of pest management businesses, including:
  • General pest control services
  • Fumigation (non-residential tenting)
  • Termite inspection and treatment providers
  • Small animal and nuisance wildlife control
New ventures are considered, and the program accepts accounts across a broad range of sizes and experience levels.

Coverage Highlights and Advantages

The program provides broad, customizable coverage components, including:
  • General Liability and Professional Liability – Covers job-site and transit pollution cleanup, termite treatment/inspection exposures, personal & advertising injury, and lost key coverage
  • Property Coverage – Wind coverage available
  • Crime
  • Commercial Auto
  • Workers’ Compensation
  • Inland Marine
  • Excess / Umbrella Liability – In-house binding authority up to $10M, with limits available to $35M
Key Benefits:
  • Care, Custody and Control included
  • Broad form property damage
  • Unlimited reporting period for WDI/treatment and inspection — no sunset clause
  • Optional endorsements such as Blanket Additional Insured, Waiver of Subrogation, Hired/Non-Owned Auto, and more

Underwriting Notes and Minimum Premiums

The minimum premium for General Liability begins at $750. Typical submission requirements include:
  • Completed supplemental application(s)
  • Standard ACORD forms
  • Five years of currently valued loss runs for GL and WC
  • License and resume for new ventures
Common appetite notes: the program is set up for day-to-day pest control operations, termite work (non-residential tenting), fumigation services (commercial), and small-animal removal. Accounts with significant property remediation, high-hazard chemical applications, or extensive residential tenting are less likely to fit — consult underwriting for borderline risks.

Territories and Availability

The program is available nationwide, including all 50 states and Washington, DC. This program is offered on a non-admitted basis in all jurisdictions, providing consistent underwriting and quoting across the U.S.

Why Work With Ryan Specialty National Programs?

Ryan Specialty National Programs is a program administrator with deep niche expertise in commercial specialty lines. Agents benefit from responsive underwriting, flexible appetite, and access to competitive national capacity for pest control risks. The in-house umbrella binding authority and optional endorsements make it simpler to assemble a comprehensive package for your clients.

Example accounts that often fit well: a regional termite inspection and treatment firm that needs unlimited WDI reporting plus GL and professional liability; or a small wildlife removal company seeking package coverage that includes commercial auto and inland marine for equipment in transit. If you have a client with routine pest control operations or commercial fumigation without residential tenting, this program is worth considering.

Contact Ryan Specialty National Programs for more details on placing Pest Control Insurance or to discuss specific submissions. Pest Control Insurance

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for pest control operators, termite inspectors, commercial fumigation services (excluding residential tenting), and small animal control companies.

Is this program available for new ventures?

Yes. New ventures are considered; underwriting will request a license and resume as part of the submission.

What is the minimum premium for General Liability?

The minimum premium for General Liability coverage starts at $750.

In which states is this program available?

This pest control insurance program is offered in all 50 states and Washington, DC on a non-admitted basis.

What coverage limits are available?

Standard limits include $1M/$1M, with options up to $1M/$3M and $5M aggregate. Umbrella limits are available up to $35M.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Competitive
  • Min Premium:
    GL: $750

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CONTACT INFORMATION

LOCATION

10150 York Road, 5th Floor
Hunt Valley, MD 21030
800-366-5810
0B84526
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AGENCY LICENSING

Broker Agreement
Agency and/or Individual Producer License(s)
Errors and Omissions Declarations Page (Min: $1M Limits)
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Ryan Specialty National Programs has other insurance programs like Alarm Companies Insurance.