Pest control and exterminator companies in Boise, ID, have unique business insurance needs. While you may need policies covering risks common to all types of businesses, additional types of insurance can help keep you, your employees, and even your customers safe. Fuhriman Insurance Agency can assess your needs and recommend policies to protect your pest control company from various risks.
Illness is a Huge Risk
Perhaps the most significant risk for pest control companies is what can happen if employees performing extermination or homeowners receiving the service develop illnesses from exposure to the chemicals used. A standard business owner’s policy (BOP} will not meet your unique needs. Although your pest control operation still needs the protections offered in a BOP, consider getting the following:
- Pollution and fumigation liability
- Professional liability
- Business auto insurance
- Tools and equipment coverage
- Inland marine coverage
- Umbrella and excess liability coverage
Additional liability coverage is essential, as customers injured or whose property is damaged by your operations can sue for millions of dollars. The additional coverage will protect your company once the liability limits for other types of insurance have been exhausted.
A sound worker’s compensation policy would also be best because of employees’ potential exposure during their workday.
Inspections Can Also Be Costly
Sometimes, the initial step of inspecting a property for pests can cause unintended. Pest inspection damage liability helps cover legal fees, settlement costs, judgments against your company, and the cost of repairs.
Ensuring you have enough coverage can make the difference between staying in business after a mistake and closing the shop. Fuhriman Insurance Agency, serving customers in Boise, ID, can help you determine appropriate coverage amounts for your pest control business. Contact us to get started on a policy.