When pests are wreaking havoc on your home or office, calling professional exterminators is your best line of defense. Pest control companies are very critical in keeping pesky critters out of people’s lives. However, even as you strive to keep people’s premises pest-free, there is a fair share of risks involved. To this end, you need pest control insurance from Fuhriman Insurance Agency of Boise, ID to protect your business.
Is pest control insurance required in Idaho?
While you aren’t legally required to buy some aspects of pest control insurance, you will thank the insurance gods you had comprehensive commercial insurance when the unthinkable happens.
Common commercial insurance coverages specific to pest control companies
If you are a professional exterminator, having the right commercial insurance can protect your business from sliding into a financial hole. Additionally, having commercial insurance makes your business marketable as customers view you as a reputable business.
Here are the common business insurance coverages common for pest control companies:
General liability insurance
This coverage isn’t legally required but can save your business thousands of dollars if you are sued. Besides, many customers will demand this insurance before they hire your services. Here is how commercial general liability insurance protects your business.
- Bodily injury: If a client trips and sustains injuries due to equipment you left at their premises, they could sue you for negligence. Thankfully, if you have liability coverage, it covers medical costs and legal costs.
- Property damage: Assume your employee accidentally spills chemicals on your client’s electronics and damages them. As a result, general liability insurance should cover the property damages.
Workers’ comp insurance
Whether you have part-time or full-time employees, you need workers’ comp insurance in Idaho. It covers employees’ medical costs for general illnesses and injuries suffered in the workplace. This coverage is even more critical in pest control companies, given that employees are constantly interacting with dangerous chemicals that could be detrimental to their health.
Commercial auto insurance
It’s mandatory in Idaho State for all business vehicles to have commercial auto insurance. This coverage protects your driver and vehicle when involved in an accident.
If you are a pest control company, don’t put your business and employees at risk by not carrying commercial insurance. If you are in Boise, ID, and its environs, please contact Fuhriman Insurance to purchase pest control insurance.