If you're an agent or broker placing pest control insurance, Colonial General Insurance Agency, Inc. offers a flexible, specialty solution. This program can be written on a mono-line or packaged basis and provides Property and Liability options tailored for pest control service providers. Eligible operations include detection and treatment of insect and animal infestations (for example rodents, birds, bats, raccoons), wildlife removal and fumigation, placement and removal of radon test canisters, and herbicide application.
Ideal Accounts and Appetite
This program fits pest control contractors and exterminators of all sizes — from single-crew residential operators to larger multi-crew commercial firms. Accounts that perform fumigation, wildlife removal, pest-related inspections (including wood-destroying organism inspections), radon testing, and pesticide/herbicide application are within appetite. High-hazard operations, unusual pollutants, or significant habitational risks may require additional underwriting review or alternative placement.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Additional Interests: $100 each
- Blanket Additional Insured option: $250
- Excess/Umbrella limits up to $25,000,000
Included Coverages:
- $5,000 Medical Payments Coverage
- Pesticide/Herbicide Applicator Coverage – policy limits
- Wood Destroying Organism Inspection – $25,000 per occurrence / $100,000 aggregate (higher limits available)
- In-Transit Pollution – $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
A Loss Prevention Brochure is included to help insureds reduce common operational risks.
Property Coverage Options:
- Accounts Receivable
- Basic, Broad, or Special Form options
- Building and Contents
- Business Income
- Computer and Contractor’s Equipment
- Equipment Breakdown
- Outside Signs
- Replacement Cost or Actual Cash Value
- Valuable Papers
Crime Coverage Available:
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Colonial General works with a variety of carrier partners (varies by risk) and can place business admitted or non-admitted depending on state and the submission. There is no stated deductible for many liability features and competitive pricing options are available. Provide detailed loss history, equipment lists, pesticide/herbicide usage procedures, and any inspection or fumigation protocols with the submission to speed underwriting. Higher limits for WDO inspection and in-transit pollution can be quoted on request.
Territories and Availability
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted/non-admitted options vary by state—contact Colonial General for market-specific details and carrier access.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings targeted expertise for niche commercial risks. Their pest control program combines flexible limits, specialized coverages (applicator and WDO inspection features), and underwriting that understands field exposures. Colonial General’s platform helps agents place accounts that may be difficult to bind in standard markets while offering loss control resources and responsive underwriting support.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include residential and commercial pest control operators, exterminators, wildlife removal contractors, companies that perform fumigation, radon test placement/removal, and businesses that apply herbicides.
Is coverage available for wildlife control or fumigation services?
Yes. Wildlife removal and fumigation are eligible but will be reviewed by underwriting to confirm scope of operations and any special controls needed.
Are higher limits available for inspection or pollution coverage?
Yes. Higher limits for Wood Destroying Organism inspections and In-Transit Pollution coverage can be quoted upon request based on the account’s exposures and loss history.
Can I package Property and Liability together?
Yes. Colonial General offers both mono-line and package (combined property and liability) options to match the client’s needs and simplify placement.
Which states is this program available in?
The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Contact Colonial General for specific market availability within those states.
Need help placing an account? Connect with a market specialist.