J.L. von Arx & Associates offers a focused Pest Control Insurance program designed for independent agents who place accounts for pest and termite operators, inspection services and related service contractors.
Overview of the Program from J.L. von Arx & Associates
This Pest Control Insurance program is offered through J.L. von Arx & Associates as a Managing General Agency and Excess & Surplus Lines broker. The program provides targeted property, liability and pollution protections tailored to the common exposures of pest control businesses, with flexible limits and the ability to access multiple admitted and non-admitted markets depending on the risk and state.
Ideal Accounts and Appetite
- Small to mid-size pest control companies (termite, general pest, rodent control, fumigation and integrated pest management).
- Businesses that perform wood-destroying organism inspections (WDI/WDO) and want professional liability options for inspection services.
- Operations with company-owned vehicles used to transport equipment and pesticides.
- Accounts with routine pesticide application and limited on-site storage — typically single-state operations in AZ, CA and NV.
Accounts that commonly fit: owner-operator firms, family businesses, single-location franchised operators and independent inspection services. Higher-exposure risks (large commercial applicators, large-scale agricultural operations, or accounts with significant storage of bulk pesticides) may require specialty underwriting or may be declined.
Coverage Highlights and Advantages
- $100,000 of coverage for property in the insured’s care, custody and control (higher limits available on request).
- $10,000 in-transit pollution coverage to help address claims arising from spills or releases during transport (higher limits available).
- Professional liability available for Wood Destroying Organism inspection services for an additional fee.
- Packageability with Commercial Auto and Workers’ Compensation through admitted or E&S carriers as appropriate.
- Access to multiple carriers to match the account’s admitted/non-admitted needs and risk characteristics.
Underwriting Notes and Minimums
Underwriting focuses on operations, revenue, employee training, pesticide storage, application procedures and vehicle use. The program typically requires a minimum premium of $500.00. Submission may include loss runs, a description of services, pesticide use profiles, and details on company vehicles and hired/leased equipment.
Territories and Admitted Status
Available in AZ, CA and NV. Admitted placement is available in some states; where admitted markets are not available, placements will be made through excess & surplus lines carriers. J.L. von Arx & Associates will work with you to determine the appropriate admitted or non-admitted option based on the risk and state requirements.
Why Work With J.L. von Arx & Associates on Pest Control Business
- Niche focus — program wording and endorsements are targeted to common pest control exposures (property in care, in-transit pollution, inspection liability).
- Market access — as an MGA and E&S broker, the firm can place accounts across multiple carriers to secure competitive terms.
- Practical flexibility — higher limits and additional coverages are available on a case-by-case basis.
- Agent support — underwriting guidance on documentation and exposure control to help speed placement.
Example Account Scenarios
- You have a local termite and general pest company with three service vans, limited on-site pesticide storage, and revenue under industry mid-market levels — this program can provide GL, property in care, auto and in-transit pollution limits appropriate to the operation.
- A sole-proprietor inspecting homes for wood-destroying organisms who needs professional liability for inspection reports — professional liability for WDO inspection services is available for an additional fee.
Contact J.L. von Arx & Associates for submission requirements, appetite details, or to discuss a specific account. Commercial auto, workers’ compensation and other ancillary lines can often be placed alongside the Pest Control program where appropriate.
Frequently Asked Questions
What types of pest control accounts are a good fit for this program?
Small to mid-size pest control and termite operators, inspection services and similar contractors with routine pesticide application, limited bulk storage, and company vehicles in AZ, CA or NV are the primary targets.
Is professional liability for WDO inspections included?
Professional liability for wood-destroying organism (WDO/WDI) inspection services is available for an additional fee; request it on submission if the insured performs inspection and reporting work.
What is the minimum premium and what else should I submit?
The program’s minimum premium is $500.00. Typical submission items include a description of operations, revenue, employee counts, vehicle schedules, loss runs and details on pesticide storage and application procedures.
Are admitted placements available?
Admitted markets are available in some states. Where admitted coverage is not available or suitable, J.L. von Arx & Associates can place the account through excess & surplus markets to secure coverage.
Can you add commercial auto or workers’ compensation with this program?
Yes. Commercial auto and workers’ compensation options are commonly placed alongside this program through the appropriate admitted or E&S markets—discuss combined placement when you submit the account.
Need help placing an account? Connect with a market specialist.