IPMG (Insurance Program Managers Group) offers a focused Pest Control Insurance program designed to help agents place professional pest-management accounts across a range of exposures. As a Managing General Underwriter and Excess & Surplus Lines broker, IPMG provides access to top-rated markets, including Markel, with most capacity available on a non-admitted basis. This program is positioned for independent agents and brokers seeking dependable coverage solutions for pest control clients in Illinois, Missouri, Iowa, Indiana, and Florida.
Ideal Accounts and Appetite
IPMG’s Pest Control Insurance program targets licensed pest management firms that perform termite control, rodent removal, insect treatments, herbicide/pesticide applications, and weed abatement. The program accommodates residential, commercial, and light industrial operations—especially businesses that handle chemicals, perform treatments at heights, or regularly enter customer property.
Coverage Highlights and Advantages
The program bundles core liability and property protections with industry-specific coverages designed for pest control exposures:
- General Liability
- Property
- Commercial Auto
- Excess Liability
- Care, Custody and Control
- Herbicide/Pesticide Application coverage
- Job Site Pollution — up to policy limits
- Transit Pollution — up to policy limits
- Limited Mold Coverage
These coverages help protect operations from claims tied to chemical exposure, accidental environmental damage, and property damage during service calls. For example, a commercial property manager seeking protection for routine termite treatments or a residential operator applying pesticides in neighborhoods would benefit from the program’s pollution and pesticide-application features.
Underwriting Notes and Minimum Premiums
IPMG underwrites qualified, licensed pest control businesses with a flexible approach that supports both small start-ups and established midsize companies. The program carries a low minimum premium, making it accessible for a broad range of accounts. Underwriters review environmental controls, chemical-handling procedures, employee training, and vehicle operations when assessing risk.
Territories and Availability
This program is currently available in:
- Florida (FL)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Missouri (MO)
IPMG places many accounts through non-admitted markets, which provides underwriting flexibility for higher-risk or unique operations while maintaining access to admitted carriers where appropriate. Markel is among the carriers accessible through this program.
Why Work With IPMG?
IPMG combines program-specific underwriting expertise with surplus lines placement capabilities. Agents gain direct access to experienced underwriters and regional contacts who understand the operational and regulatory realities of pest control businesses. The firm’s focus on environmental and pollution exposures, plus its relationships with carriers like Markel, helps agents place accounts that might be difficult in standard markets.
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Matt Becker (IL)
Surplus Lines Practice Leader
(630) 485-5952
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Kristina Freeze (MO)
Underwriter
(314) 293-9704
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Barbara Commings (FL)
Florida Branch Manager
(855) 377-4764 ext. 5222
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Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed pest control firms providing residential, commercial, or light industrial services—such as termite control, insect treatments, rodent removal, and pesticide application—are a strong fit.
Is this program admitted or non-admitted?
IPMG places business through several markets; most capacity is available on a non-admitted basis, which allows more flexible underwriting for specialized or higher-risk accounts.
What is the minimum premium for this program?
The program offers a low minimum premium, making it practical for small and mid-sized operators, including start-ups and growing companies.
What coverages are included in the Pest Control Insurance program?
Available coverages include General Liability, Property, Commercial Auto, Excess Liability, Pollution (job site and transit), Limited Mold, Care/Custody & Control, and Herbicide/Pesticide Application coverage.
Which states is this program available in?
This program is available in Florida, Illinois, Indiana, Iowa, and Missouri.
Need help placing an account? Connect with a market specialist.