Pest Management Professionals Insurance

Pest Management Professionals Insurance serves to protect
PEST MANAGEMENT PROFESSIONALS

Pest Management Professionals Insurance

PROTECTING PEST MANAGEMENT PROFESSIONALS

Our Program has been providing insurance to Pest Management Professionals since 1979.

With an “A-” rated, admitted carrier and agents who are part of their local pest control communities, Our Program provides insurance experience and the pest management expertise with a full-service staff knowledgeable about coverage forms, pest- specific exposures, and pest control operations, regulatory compliance, current technology and industry challenges.

All lines of coverage

General Liability: required by most state regulatory agencies, with limit up to $1 million per
occurrence/$3 million aggregate, with coverage forms specifically designed for PMPs
Workers Compensation: fully compliant with state agencies, with limits up to $1 million
Commercial Auto: a critical need for the PMP route-based profession, with limits up to $1 million
per occurrence/$3 million aggregate and a special in-transit pollution endorsement at policy limits
Inland Marine: protects mobile equipment such as compressed air sprayers, pumps, hoses, motors,
ladders, digging and drilling tools, etc.
Excess/Umbrella: for those clients of PMPs who require higher limits of liability up to $5 million;
umbrella coverage can extend over GL (as true follow form coverage), Commercial Auto and
Workers Compensation
Crime: protects companies against accusations of employee thefts by employers and PMP customers
Commercial Property: protects the company-owned buildings and contents against fire, wind, theft
and other named perils; coastal exposures are available
Employment Practices Liability Insurance protecting companies from allegations such as Wage and Hour
violations, Wrongful Termination, Discrimination in Hiring, Firing and Promotion, and Sexual Harassment
and Hostile Work Environments

GL Policies with no exclusions or sub-limits that create coverage gaps:

No exclusions for silica-related products
No mold or fungi exclusions
No communicable disease exclusions, critical with current health concerns and economic conditions
No assault or molestation exclusion
No restrictions on fumigation or sub-contracted services
No coverage imitations for traditional or heat-related Bed Bug work
In-transit and jobsite pollution at policy limits
Real estate inspections at policy limits and with no “sunset clauses”

Special GL Coverage Forms

PDE Inspections Coverage: provides coverage on property damage claims from the insured’s Wood Destroying Insect/Organism (WDI/O) Inspection Reports; reports are usually used in the Act of Sale or for refinancing
PDE Treatment Coverage: provides coverage on property damage claims from the insured’s termite treatments done during the first year and if the treatment fails to prevent additional termite damage.
PDE Renewal Coverage: provides coverage on property damage claims from the insured’s previous termite treatments performed prior to our policy term that fail and allow continuing termite damage.
PDE Continual Monitoring/Treatment Coverage: provides coverage for termite property damage as long as termite “baiting” stations (e.g., Corteva’s Sentricon, BASF’s Trenolna, Ensystex’s Exterra) are actively monitored