Ideal Accounts and Appetite
Our program is a strong fit for licensed pest control operators, wildlife removal services, and businesses offering both residential and commercial pest management solutions. If you have clients who work in structural pest control, termite inspections, or herbicide applications, this program is designed with their unique risks in mind.
Sample accounts that fit well include:
- A regional pest control company servicing commercial properties and handling termite inspections.
- A wildlife control operator offering humane removal of raccoons, bats, and birds from residential homes.
Coverage Highlights and Advantages
This comprehensive program includes essential coverages that help safeguard pest control professionals from liability and property-related exposures.
General Liability and Related Coverages:
- Primary Limits: Up to $3,000,000 Occurrence / Aggregate
- Excess or Umbrella Limits: Up to $25,000,000
- Additional Interests: $100 each
- Blanket Additional Insured Option: $250
- No Deductible Required
- Included Coverages:
- $5,000 Medical Payments
- Pesticide/Herbicide Applicator Coverage – Policy Limits
- Wood Destroying Organism Inspection – $25,000 per Occurrence / $100,000 Aggregate (Higher Limits Available)
- In-Transit Pollution Coverage – $25,000 per Occurrence / $100,000 Aggregate
- Care, Custody, Control Property Damage Extension – Up to $200,000 per Occurrence / $300,000 Aggregate
- Lost Key Coverage – $25,000 Limit
Property Coverage Options:
- Building and Business Personal Property
- Business Income
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value (ACV)
- Equipment Breakdown
- Contractor’s Equipment
- Accounts Receivable
- Computer Equipment
- Outside Signs
- Valuable Papers
Crime Coverage: Available for losses occurring inside and outside the premises.
Underwriting Notes and Minimum Premiums
This is a non-admitted program with access to a variety of carriers, allowing for flexibility in underwriting. Minimum premiums vary depending on account size, operations, and coverage selections. Our underwriters are experienced in handling pest control risks and work closely with appointed agents to tailor coverage appropriately.
Territories and Availability
This program is currently available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Why Work With Cochrane & Company
Cochrane & Company is a trusted Managing General Agency (MGA) with deep expertise in specialty commercial insurance programs. Our Exterminators and Pest Control Insurance program is backed by knowledgeable underwriters and strong carrier relationships. We offer responsive service, competitive pricing structures, and the flexibility needed to help you place hard-to-insure accounts in this niche market.
Looking for more information on Exterminators and Pest Control Insurance? Contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed pest control operators, exterminators, wildlife removal services, and businesses involved in herbicide application or radon testing.
Is this program available on an admitted basis?
No, this is a non-admitted program. Coverage is placed through various non-admitted carriers depending on the risk and location.
What limits are available under this program?
Primary liability limits are available up to $3 million Occurrence/Aggregate, with Excess or Umbrella limits up to $25 million. Property and specialty coverages also offer flexible limits.
Are there any underwriting restrictions?
Each submission is reviewed individually. Accounts must operate within eligible states and involve standard pest control or related services. Unusual exposures may require additional underwriting consideration.
Which states is this program offered in?
The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Need help placing an account? Connect with a market specialist.