Specialized Pest Control Insurance Solutions
Agents Insurance Markets, Inc. (AIM) offers a focused Pest Control Insurance program written for businesses operating in North Carolina and Virginia (also available in Washington, D.C.). This program addresses the unique liability and property exposures common to pest control operations and is placed on a non-admitted basis with experienced markets, including Western World Insurance Company.
Ideal Accounts and Target Classes
This program fits a broad range of pest control operations — from sole proprietors to larger regional service providers. Target classes include:
- Residential pest control services
- Apartment and multi-family property services
- Commercial building pest control
- Termite inspection companies
- Termite control services (excluding treatments that use gas)
- Landscapers who apply pesticides or herbicides
- Operators who offer fogging services
Example fits: you might place a small residential exterminator who performs routine treatments and termite inspections, or a landscaper expanding into chemical applications who needs GL and equipment coverage.
Coverage Highlights and Key Advantages
The program provides broad, market-competitive terms designed for pest control exposures:
- Commercial General Liability — limits available up to $2,000,000
- Property coverage with a Property Enhancement Form
- Property floaters to protect tools and mobile equipment
- Additional insured endorsements to satisfy contract requirements
- Wood Destroying Organism inspection coverage: $50,000 / $100,000
- In-transit pollution coverage: $50,000 / $100,000
- Property damage extension options (e.g., $5,000 / $25,000)
- Lost key coverage (limits noted in policy forms)
- Occurrence form with defense costs outside the limits
Underwriting Approach and Placement Notes
AIM underwriters understand pest control operations and the differences between residential, multi-family and commercial accounts. The appetite is broad; however, accounts involving termite treatments that use gas are ineligible. Because the program is non-admitted, we have flexibility to tailor terms for unusual operations and to offer endorsements that admitted markets may not provide.
Underwriters will consider: loss history, application of pesticides (products used and application methods), employee training and licensing, distance and frequency of jobs, and equipment exposures. Additional insureds and contractual requirements are commonly available.
Territories and Availability
This program is available in North Carolina (NC), Virginia (VA), and Washington, D.C.
Why Work With Agents Insurance Markets, Inc.?
AIM combines specialist underwriting, flexible non-admitted placement options, and access to well-known carriers such as Western World Insurance Company. We focus on prompt service and practical solutions that help you place accounts that might be difficult with standard markets.
Frequently Asked Questions
What types of accounts are a good fit for this pest control program?
This program is ideal for residential and commercial pest control operators, termite inspectors, and landscapers applying pesticides in NC, VA, and DC.
Is termite control using gas included in this program?
No. Termite control that involves the use of gas is excluded from eligibility.
What coverage limits are available under General Liability?
General Liability limits are available up to $2,000,000.
Does this program offer additional insured endorsements?
Yes. Additional insured endorsements are available to help your clients meet contractual obligations.
Is this program admitted or non-admitted?
This is a non-admitted program placed through Western World Insurance Company.
Need help placing an account? Connect with a market specialist.