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Insurance for Pest Control Operators Pest control professionals protect homes, businesses, and public spaces from harmful pests — but their operations carry distinct risks. Ryan Specialty National Programs offers a dedicated Pest Control Insurance program built for pest control businesses and the agents who place them. The program provides agents access to broad, market-aware coverage options tailored to this niche industry, with flexible limits and in-house umbrella capacity. This program addresses exposures such as property damage, transit pollution, job-site contamination, and professional liability. Whether your client is a startup or an established operator, Ryan Specialty National Programs helps you place a package that matches their operations and risk profile. Ideal Accounts and Target Classes Ryan Specialty’s Pest Control Insurance program is designed for a wide range of pest management businesses, including: General pest control services Fumigation (non-residential tenting) Termite inspection and treatment providers Small animal and nuisance wildlife control New ventures are considered, and the program accepts accounts across a broad range of sizes and experience levels. Coverage Highlights and Advantages The program provides broad, customizable coverage components, including: General Liability and Professional Liability – Covers job-site and transit pollution cleanup, termite treatment/inspection exposures, personal & advertising injury, and lost key coverage Property Coverage – Wind coverage available Crime Commercial Auto Workers’ Compensation Inland Marine Excess / Umbrella Liability – In-house binding authority up to $10M, with limits available to $35M Key Benefits: Care, Custody and Control included Broad form property damage Unlimited reporting period for WDI/treatment and inspection — no sunset clause Optional endorsements such as Blanket Additional Insured, Waiver of Subrogation, Hired/Non-Owned Auto, and more Underwriting Notes and Minimum Premiums The minimum premium for General Liability begins at $750. Typical submission requirements include: Completed supplemental application(s) Standard ACORD forms Five years of currently valued loss runs for GL and WC License and resume for new ventures Common appetite notes: the program is set up for day-to-day pest control operations, termite work (non-residential tenting), fumigation services (commercial), and small-animal removal. Accounts with significant property remediation, high-hazard chemical applications, or extensive residential tenting are less likely to fit — consult underwriting for borderline risks. Territories and Availability The program is available nationwide, including all 50 states and Washington, DC. This program is offered on a non-admitted basis in all jurisdictions, providing consistent underwriting and quoting across the U.S. Why Work With Ryan Specialty National Programs? Ryan Specialty National Programs is a program administrator with deep niche expertise in commercial specialty lines. Agents benefit from responsive underwriting, flexible appetite, and access to competitive national capacity for pest control risks. The in-house umbrella binding authority and optional endorsements make it simpler to assemble a comprehensive package for your clients. Example accounts that often fit well: a regional termite inspection and treatment firm that needs unlimited WDI reporting plus GL and professional liability; or a small wildlife removal company seeking package coverage that includes commercial auto and inland marine for equipment in transit. If you have a client with routine pest control operations or commercial fumigation without residential tenting, this program is worth considering. Contact Ryan Specialty National Programs for more details on placing Pest Control Insurance or to discuss specific submissions. Pest Control Insurance Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for pest control operators, termite inspectors, commercial fumigation services (excluding residential tenting), and small animal control companies. Is this program available for new ventures?Yes. New ventures are considered; underwriting will request a license and resume as part of the submission. What is the minimum premium for General Liability?The minimum premium for General Liability coverage starts at $750. In which states is this program available?This pest control insurance program is offered in all 50 states and Washington, DC on a non-admitted basis. What coverage limits are available?Standard limits include $1M/$1M, with options up to $1M/$3M and $5M aggregate. Umbrella limits are available up to $35M. Need help placing an account? Connect with a market specialist.

J.L. von Arx & Associates offers a focused Pest Control Insurance program designed for independent agents who place accounts for pest and termite operators, inspection services and related service contractors. Overview of the Program from J.L. von Arx & Associates This Pest Control Insurance program is offered through J.L. von Arx & Associates as a Managing General Agency and Excess & Surplus Lines broker. The program provides targeted property, liability and pollution protections tailored to the common exposures of pest control businesses, with flexible limits and the ability to access multiple admitted and non-admitted markets depending on the risk and state. Ideal Accounts and Appetite Small to mid-size pest control companies (termite, general pest, rodent control, fumigation and integrated pest management). Businesses that perform wood-destroying organism inspections (WDI/WDO) and want professional liability options for inspection services. Operations with company-owned vehicles used to transport equipment and pesticides. Accounts with routine pesticide application and limited on-site storage — typically single-state operations in AZ, CA and NV. Accounts that commonly fit: owner-operator firms, family businesses, single-location franchised operators and independent inspection services. Higher-exposure risks (large commercial applicators, large-scale agricultural operations, or accounts with significant storage of bulk pesticides) may require specialty underwriting or may be declined. Coverage Highlights and Advantages $100,000 of coverage for property in the insured’s care, custody and control (higher limits available on request). $10,000 in-transit pollution coverage to help address claims arising from spills or releases during transport (higher limits available). Professional liability available for Wood Destroying Organism inspection services for an additional fee. Packageability with Commercial Auto and Workers’ Compensation through admitted or E&S carriers as appropriate. Access to multiple carriers to match the account’s admitted/non-admitted needs and risk characteristics. Underwriting Notes and Minimums Underwriting focuses on operations, revenue, employee training, pesticide storage, application procedures and vehicle use. The program typically requires a minimum premium of $500.00. Submission may include loss runs, a description of services, pesticide use profiles, and details on company vehicles and hired/leased equipment. Territories and Admitted Status Available in AZ, CA and NV. Admitted placement is available in some states; where admitted markets are not available, placements will be made through excess & surplus lines carriers. J.L. von Arx & Associates will work with you to determine the appropriate admitted or non-admitted option based on the risk and state requirements. Why Work With J.L. von Arx & Associates on Pest Control Business Niche focus — program wording and endorsements are targeted to common pest control exposures (property in care, in-transit pollution, inspection liability). Market access — as an MGA and E&S broker, the firm can place accounts across multiple carriers to secure competitive terms. Practical flexibility — higher limits and additional coverages are available on a case-by-case basis. Agent support — underwriting guidance on documentation and exposure control to help speed placement. Example Account Scenarios You have a local termite and general pest company with three service vans, limited on-site pesticide storage, and revenue under industry mid-market levels — this program can provide GL, property in care, auto and in-transit pollution limits appropriate to the operation. A sole-proprietor inspecting homes for wood-destroying organisms who needs professional liability for inspection reports — professional liability for WDO inspection services is available for an additional fee. Contact J.L. von Arx & Associates for submission requirements, appetite details, or to discuss a specific account. Commercial auto, workers’ compensation and other ancillary lines can often be placed alongside the Pest Control program where appropriate. Frequently Asked Questions What types of pest control accounts are a good fit for this program?Small to mid-size pest control and termite operators, inspection services and similar contractors with routine pesticide application, limited bulk storage, and company vehicles in AZ, CA or NV are the primary targets. Is professional liability for WDO inspections included?Professional liability for wood-destroying organism (WDO/WDI) inspection services is available for an additional fee; request it on submission if the insured performs inspection and reporting work. What is the minimum premium and what else should I submit?The program’s minimum premium is $500.00. Typical submission items include a description of operations, revenue, employee counts, vehicle schedules, loss runs and details on pesticide storage and application procedures. Are admitted placements available?Admitted markets are available in some states. Where admitted coverage is not available or suitable, J.L. von Arx & Associates can place the account through excess & surplus markets to secure coverage. Can you add commercial auto or workers’ compensation with this program?Yes. Commercial auto and workers’ compensation options are commonly placed alongside this program through the appropriate admitted or E&S markets—discuss combined placement when you submit the account. Need help placing an account? Connect with a market specialist.