Specialized Pest Control Insurance Solutions
Agents Insurance Markets, Inc. (AIM) offers a robust Pest Control Insurance program tailored specifically for businesses operating in North Carolina and Virginia. With the pest control industry facing unique liability exposures, it’s essential that your clients are properly protected. Our program is designed to meet state requirements and provide broad protection through reputable non-admitted carriers, including Western World Insurance Company.
Ideal Accounts and Target Classes
This program is a strong fit for a wide range of pest control operations, from small sole proprietors to larger regional service providers. Eligible classes include:
- Residential Pest Control Services
- Apartment and Multi-Family Service Providers
- Commercial Building Pest Control
- Termite Inspection Companies
- Termite Control Services (excluding gas use)
- Landscapers who apply pesticides or herbicides
- Operators who offer fogging services
You may have a client who performs termite inspections and minor pest treatments at residential and multi-family properties, or a landscaper expanding into chemical applications—both are excellent fits for this program.
Coverage Highlights and Key Advantages
Our Pest Control Insurance program offers a full spectrum of protection to help your clients address both common and niche exposures:
- Comprehensive General Liability coverage (limits up to $2,000,000)
- Property Coverage with Property Enhancement Form
- Property Floaters available to protect tools and equipment
- Additional Insured Endorsements to meet contractual obligations
- Wood Destroying Organism Inspection Coverage: $50,000/$100,000
- In-Transit Pollution Coverage: $50,000/$100,000
- Property Damage Extension: $5,000/$25,000 limits
- Lost Key Coverage: $5,000/$5,000
- Occurrence Form – Defense costs are outside the policy limits
Underwriting Approach and Premiums
We work with experienced underwriters who understand the risks unique to pest control operations. Our appetite is broad, and we offer low minimum premiums to accommodate businesses of all sizes. The program is written on a non-admitted basis, giving us the flexibility to tailor solutions for unique operations.
Available States
This program is currently available in:
- North Carolina (NC)
- Virginia (VA)
- Washington, D.C. (DC)
Why Agents Insurance Markets, Inc.?
At AIM, we partner with some of the most respected carriers in the industry to deliver quality products that stand out in the marketplace. Our team is committed to providing responsive service and expert underwriting support. Whether your client is a small residential exterminator or a growing commercial operation, we “AIM” to help you place the right coverage every time.
Frequently Asked Questions
What types of accounts are a good fit for this pest control program?
This program is ideal for residential and commercial pest control operators, termite inspectors, and landscapers applying pesticides in NC, VA, and DC.
Is termite control using gas included in this program?
No, termite control involving the use of gas is excluded from eligibility.
What coverage limits are available under General Liability?
General Liability limits are available up to $2,000,000.
Does this program offer additional insured endorsements?
Yes, additional insured endorsements are available to help your clients meet contract requirements.
Is this program admitted or non-admitted?
This is a non-admitted program written through Western World Insurance Company.
Need help placing an account? Connect with a market specialist.