The Hartford doesn’t offer pest control insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Insurance for Pest Control Companies?
Pest control insurance is made up of different types of business insurance coverages to help protect you from the risks you face as you run your pest management business. Also known as exterminator insurance, these coverages can help if equipment breaks, a client files a claim about your work or a technician suffers an injury on the job. Whether you’re spraying for termites, removing rodents or fumigating an entire property, accidents can happen that throw you off your game.
These are the common types of insurance that can be included in a pest control insurance package:
- Business Owner’s Policy (BOP)
- Pollution liability insurance
- Workers’ compensation insurance
Why Might You Need Pest Control Insurance?
Pest control insurance is a collection of coverages designed to support your pest management business when things don’t go as planned. Imagine your sprayer goes missing, delaying a critical contract and disrupting your schedule. Or maybe one of your trucks gets into a fender bender en route to a termite inspection. These aren’t just hassles — they could threaten your livelihood. While you focus on delivering effective service, pest control liability insurance can help keep your operations running smoothly behind the scenes.
Pest control insurance can help protect your business from many potential risks, like:
- Property Damage: A technician accidentally sprays the wrong chemical near a client’s landscaping, ruining their garden.
- Equipment Failure: Your thermal imaging device stops working in the middle of a major inspection, forcing you to reschedule.
- Client Injury: A customer trips over a hose during your residential visit and needs help paying for their medical bills.
Pest Control Insurance Coverages
When it comes to protecting your pest control business, you’ll want to ensure you have coverage that matches your potential risks. Many pest control business owners start with a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three coverages to help protect you from everyday risks:
General liability insurance helps protect your pest control business from claims that it caused bodily injury or property damage to others. For example, if a customer claims your technician sprayed chemicals too close to their koi pond and harmed their fish, this coverage can help.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment and inventory you rely on. These can include:
- Sprayers
- Dusters
- Fogging machines
- Traps
- Bait
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you may face. You might need to get other types of insurance to give your pest business well-rounded protection, such as:
How Much Does Pest Control Insurance Cost?
Although The Hartford doesn’t offer coverage for pest control businesses, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of pest control insurance varies because every business faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific pest control business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A technician took out a customer’s fence while pulling out of the driveway, and we had to cover the repairs.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“We had to cancel over 30 appointments during peak season because of a fire in our supply shed.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily due to covered property loss.
Workers’ Compensation Insurance
“One of my techs got a bad cough and couldn’t breathe well. He was diagnosed with a respiratory condition caused by the chemicals we use for treating homes.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages.
Commercial Auto Insurance
“I was using the company van to meet a client and go over a treatment plan for their home when I ran into another car at a traffic light.”
Commercial auto insurance helps protect you on the road when you’re using a company-owned vehicle for work. It can help cover bodily injury or property damage claims from an accident your business causes.
Commercial Property Insurance
“A pipe burst in our office and damaged our foggers, sprayers and chemicals.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Cyber Insurance
“Our payment portal was hacked, and a lot of our customers’ names and credit card details were stolen.”
Cyber insurance can help you respond to a data breach if personally identifiable information (PII) gets lost or stolen.
Pest Control Insurance To Protect You When the Unexpected Bites
Make sure your pest control business can keep serving the customers who count on you. We connect you with Tivly, so you can get the coverage you need.
Last Updated: January 8, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 National Fire Protection Association, “Fire Loss in the United States”
3 U.S. Bureau of Labor and Statistics, “Number of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2023”
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth"
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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