Colonial General Insurance Agency, Inc. offers a specialized Exterminators Insurance program for licensed pest control professionals and wildlife removal contractors. The program targets businesses that detect, manage, and treat insect and animal infestations — including rodents, birds, bats, raccoons and similar nuisance wildlife. Coverage also extends to operations that place and remove radon test canisters and to licensed application of herbicides and pesticides.
Ideal Accounts and Appetite
This program is built for licensed pest control operators, exterminators, and wildlife removal specialists working in residential, commercial, or light industrial settings. It accommodates general pest control, termite inspections, nuisance wildlife exclusion, radon testing, and licensed herbicide/pesticide application.
Example accounts that typically fit:
- A regional pest control firm performing rodent and termite inspections for homeowners and small business properties.
- A wildlife removal contractor offering bat and raccoon exclusion, attic cleanouts, radon testing, and limited herbicide spraying.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits available 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 and endorsements:
- $5,000 Medical Payments
- 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 on certain liability features
- Loss prevention brochure available to support client 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 risks on a case-by-case basis and offers flexible coverage structures across admitted and excess & surplus markets. While specific minimum premium levels are not published here, agents should submit full applications and loss runs for timely review and competitive terms. The program places through multiple carrier partners; placement (admitted vs. non-admitted) depends on the state and the risk profile.
Territories and Availability
This Exterminators Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of specific coverages and admitted markets varies by state and carrier.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with broad carrier access. Agents get tailored solutions for pest control and wildlife removal accounts, including package and mono-line options, higher limits, and industry-specific endorsements. Colonial’s underwriting focus and market relationships help place risks that may be challenging in standard markets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed pest control operators, wildlife removal contractors, and firms that perform termite inspections, radon testing, or licensed herbicide application are strong candidates.
Is this program available in all states?
No. Coverage is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY; specific availability depends on the coverage requested and the carrier.
Are both liability and property coverages available?
Yes. The program supports mono-line liability or package policies that can include general liability, property, and crime coverage options.
What limits are available under general liability?
Primary liability limits up to $3 million occurrence/aggregate and excess limits up to $25 million are available, depending on carrier and risk.
Is this an admitted or non-admitted program?
Both admitted and non-admitted markets are accessible through Colonial General; the placement depends on state regulations and the carrier selected for the risk.
Need help placing an account? Connect with a market specialist.