General liability
Injury and property damage from operations at client premises.
Business Insurance
Pest control insurance for applicators.
You apply regulated chemicals inside people's homes and then guarantee a result. Both halves of that need cover.
Pest control operators face two distinct exposures: the chemicals themselves, which many general liability forms exclude as pollutants, and the performance promise, where a treatment fails and damage continues. Texas licenses the industry through the Department of Agriculture.
Pollution exclusions and treatment failure
Standard general liability policies contain pollution exclusions broad enough to capture pesticide application. Cover written for this trade either carves that back or adds a pollution section — without it, the core activity may be uninsured.
Where a termite or similar treatment fails and damage continues, the claim is about performance rather than an accident. Errors and omissions or a specific treatment failure extension is what responds, and it is worth confirming if you offer guarantees.
What it covers
The parts of a pest control insurance policy
Pesticide application
Chemical application cover, carving back the pollution exclusion.
Treatment failure
Continuing damage where a treatment did not work as promised.
Commercial auto
Service vehicles carrying chemicals and equipment.
Working with us
What we do differently
We are an independent agency, so we place your pest control insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Confirm pesticide application is covered, not caught by a pollution exclusion
- Add treatment failure cover if you offer guarantees or warranties
- Keep Texas Department of Agriculture licensing and applicator records current
Common questions
Pest Control Insurance, answered
Are pesticides covered by general liability?
Often not — pollution exclusions in standard forms are broad enough to capture chemical application. Cover written for pest control either carves that back or adds a pollution section.
What if a termite treatment fails?
Continuing damage after a failed treatment is a performance claim rather than an accident. Errors and omissions or a treatment failure extension is what responds.
Do I need cover for chemicals in transit?
Worth addressing. Chemicals carried in service vehicles create an exposure that neither a standard auto nor a general liability policy fully contemplates.
Related cover
Often arranged alongside this
Landscape Contractor Insurance
Mowers throw stones, irrigation work floods, and chemical applications drift. Landscaping claims are small in cause and often large in effect.
Read moreContractor Insurance
Most contractors do not buy insurance because they want it. They buy it because a general contractor, a client or a city will not let them start without a certificate.
Read moreGeneral Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreReady for a pest control insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.