Best Pest Control Business Insurance

Finding the right business insurance for your pest control company protects you from liability claims and property damage. The Hartford ranks first with a MoneyGeek score of 4.78 out of 5, offering exterminators and pest control operators competitive rates, quality customer service and comprehensive coverage options. NEXT and biBerk also provide strong protection for pest control businesses at affordable prices.

Note: We based all scores on a pest control business with two employees across professional liability, general liability, workers' comp and BOP policies.

Our study shows The Hartford offers pest control operators the most affordable business insurance across multiple coverage types at $53 monthly or $635 annually. The Hartford ranks cheapest for general liability, business owner's policy and professional liability insurance. For workers' compensation, Thimble ($30 monthly) offers lower rates.

In general, business insurance costs for pest control companies and exterminators cost the following for the four most popular coverage types:

• General Liability: $32 on average per month, ranging from $26 to $37, depending on the state
• Workers' Comp: $70 on average per month, ranging from $66 to $81, depending on the state
• Professional Liability (E&O): $95 on average per month, ranging from $85 to $110, depending on the state
• BOP Insurance: $48 on average per month, ranging from $35 to $55, depending on the state

Pest control operators face unique risks from handling toxic chemicals, working in clients' properties and potential liability from incomplete treatments. Understanding the required coverage for exterminators mandated by law (workers comp and commercial auto) versus highly recommended and optional policies (tools and equipment, general liability and cyber insurance) helps you build comprehensive protection for your pest management business.

Follow this step-by-step method for getting business insurance that balances affordable rates with comprehensive protection for your pest control company.

The Hartford delivers the best value for pest control business insurance, earning a 4.78 out of 5 MoneyGeek score for competitive rates and excellent service. Exterminators pay $53 monthly for comprehensive coverage, with general liability starting at $26. Pest control operators should prioritize workers' compensation, general liability, pollution liability and professional liability to protect against chemical-related risks.

Common questions about pest control business insurance:

We selected the best business insurer for pest-control companies based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue