If you're an agent or broker looking to place pest control insurance, Colonial General Insurance Agency, Inc. offers a flexible and comprehensive solution. This program provides Property and Liability coverage on a mono-line or package basis, specifically designed for pest control service providers. Eligible operations include the detection and treatment of insect and animal infestations—such as rodents, birds, bats, and raccoons—as well as the placement and removal of radon test canisters and herbicide application.
Ideal Accounts and Appetite
This program is a great fit for pest control contractors and exterminators who provide residential or commercial services. Accounts performing fumigation, wildlife removal, or pest-related inspections are also eligible. Whether your client operates a small regional business or a larger multi-crew operation, Colonial General can help you place the right coverage.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Additional Interests: $100 each
- Blanket Additional Insured option: $250
- Excess/Umbrella limits up to $25,000,000
Included Coverages:
- $5,000 Medical Payments Coverage
- Pesticide/Herbicide Applicator Coverage – Policy limits
- Wood Destroying Organism Inspection – $25,000 per occurrence / $100,000 aggregate (higher limits available)
- In-Transit Pollution – $25,000 per occurrence / $100,000 aggregate
- Property Damage Extension (Care, Custody, Control) – Up to $200,000 per occurrence / $300,000 aggregate
- Lost Key Coverage – $25,000 limit
- No deductible required
Also includes a Loss Prevention Brochure to help insureds reduce risk.
Property Coverage Options:
- Accounts Receivable
- Basic, Broad or Special Form options
- Building and Contents
- Business Income
- Computer and Contractor’s Equipment
- Equipment Breakdown
- Outside Signs
- Replacement Cost or Actual Cash Value
- Valuable Papers
Crime Coverage Available:
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Colonial General works with a range of carriers (varies by risk) and offers both admitted and non-admitted options depending on the state and submission. No stated deductible and competitive pricing options make this an appealing solution for many pest control businesses.
Territories and Availability
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Contact Colonial General for specific market availability within these states.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche commercial risks. Their pest control program is tailored to meet the unique exposures faced by service providers in this industry. With a range of coverages, flexible limits, and dedicated underwriting support, they are a strong partner for agents and brokers placing specialized business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for pest control operators handling insect or animal infestations, radon testing, and herbicide application in residential or commercial settings.
Is coverage available for wildlife control or fumigation services?
Yes, accounts involved in wildlife removal or fumigation can be eligible, subject to underwriting review.
Are higher limits available for inspection or pollution coverage?
Yes, increased limits for Wood Destroying Organism inspections and In-Transit Pollution coverage are available upon request.
Can I package Property and Liability together?
Yes, Colonial General offers both mono-line and package options to meet your client's needs.
Which states is this program available in?
The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.