Spring and summer trigger swarming season for subterranean termites across the East Bay, and for pest control operators, that means busier schedules, more client interactions and greater exposure to risk.
Why Termite Season Increases Your Liability Exposure
Termite treatments often involve chemical applications, structural access and follow-up visits — each one a chance for a claim. A drill through a hidden pipe, chemical drift onto a neighbor's property or a dispute over whether the infestation was fully treated can lead to costly claims. Your general liability coverage is your first line of defense when a client holds you responsible for property damage or injury.
Coverage Pest Control Operators Should Review Each Season
Before the busy season peaks, take time to confirm you have the right coverage in place:
· General liability insurance to cover third-party property damage and bodily injury claims.
· Workers’ compensation to financially protect employees injured on the job.
· Commercial auto insurance if your team drives company vehicles to job sites.
· Professional liability (errors and omissions) insurance for claims tied to ineffective treatments or service disputes.
Package Policy
A package policy bundles general liability and commercial property coverage into one streamlined policy, often at a lower cost than buying each separately. Reach out to our specialists to see if a package policy fits your operation.
How an Independent Agent Can Help
As CAPMA's preferred insurance broker, BRM compares options across carriers built for pest control operations — coverage matched to your business, not a one-size-fits-all policy.
Waiting until after a claim is a costly mistake. Contact Bone, Robertson & McBride, Inc. today for a free coverage review before your busiest weeks hit. Reach out to our specialists at admin@brmins.com.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.