How BRM Protects Your Business
Pest control operators across the country are feeling the squeeze of rising commercial insurance premiums in 2025. From business auto fleets to liability protection, costs are climbing—and for an industry that already faces unique risks, these increases hit hard.
At Bone Robertson & McBride (BRM), we specialize in protecting pest control companies. Let’s look at what’s driving insurance rates higher—and how we help operators like you protect your business and control costs.
Why Are Pest Control Insurance Costs Rising?
Premiums are increasing across nearly every line of coverage that matters to pest control operators:
- Business Auto Insurance
Pest control fleets are on the road daily. Rising repair costs, expensive vehicle technology, and a shortage of skilled mechanics make even minor accidents costly. Courts are also awarding larger settlements in commercial auto cases, forcing carriers to raise rates.
- General Liability Insurance
Pest control operators face heightened liability exposure from chemical use, property damage, and bodily injury claims. The trend of “nuclear verdicts” in negligence and product liability cases has made liability claims significantly more expensive.
- Property Insurance
Storage facilities, equipment, and office locations are seeing higher premiums due to inflation and increased natural disaster losses (wildfires, floods, hurricanes). Even operators not directly impacted by disasters are seeing costs rise as insurers spread the risk.
- Workers’ Compensation Insurance
Pest control is hands-on, with employees regularly exposed to ladders, equipment, chemicals, and driving risks. Medical inflation, higher wage replacement costs, and expanded benefits in some states have pushed workers’ comp rates upward.
- Reinsurance Costs
Insurers themselves are paying more to reinsure risks, especially industries like pest control that have unique liability and exposure concerns. These added costs flow down to operators in the form of higher premiums.
How BRM Protects Pest Control Operators
We understand the unique risks pest control companies face. That’s why our strategies are tailored specifically for your industry:
- Specialized Coverage Programs – Designed around pest control operations, ensuring proper coverage for auto, liability, pollution, property, and workers’ comp risks.
- Safety and Risk Management – We help clients build stronger safety programs and reduce claims. This includes deploying automated telematics, giving you live control of your fleet and visibility into risky behaviors such as speeding, hard braking, or other driving violations. By monitoring driver performance in real time, pest control companies can reduce accidents, protect employees, and lower insurance costs.
- Carrier Relationships in Pest Control – With decades in the industry, BRM has direct relationships with carriers that understand pest control, giving us leverage for better terms.
- Alternative Risk Solutions – For qualified operators, we explore higher deductibles, self-insured retentions, and captive participation, offering more control over long-term insurance costs.
- Industry Advocacy – As the preferred broker for PCOC members, BRM keeps you informed of pest control insurance trends and regulatory changes that impact your business.
The BRM Advantage for Pest Control
Rising insurance premiums are an industry-wide challenge, but pest control companies don’t have to face them alone. At BRM, we combine industry expertise, proactive risk management, and strong carrier partnerships to ensure operators get the protection they need at the most competitive cost possible.
Learn how we can help your pest control business stay protected and profitable in 2025 and beyond – Contact Us Today!
📞 Contact Aimee Padden at (925) 674-1000
📧 Email us at info@brmins.com to schedule a no-obligation consultation.
This blog is for general informational purposes only and should not be considered legal advice.