Pest Control Insurance
Insurance for the Pest Control, Termite Control & Fumigation Industry
Bone, Robertson & McBride, Inc. has 40 years of experience in the insurance industry and has crafted a specialized program focusing on your industry. We offer customized commercial insurance programs designed for the Termite and Pest control industries. Through our staff expertise and established direct relationships with “A” Rated by A.M. Best carriers, we are able to provide you with comprehensive coverages at a competitive price. Our relationship with the various licensing boards such as the Structural Pest Control Board and the Department of Pesticide Regulation, makes renewing your coverage each year electronically seamless.
We provide specific coverages for the Pest, Termite & Fumigation industry, including the following program highlights:
- Sudden & Accidental Pollution
- Pesticide/Herbicide Applicators Coverage
- E&O/Professional Liability for those performing WDI/O Inspections
- Limited Auto Transit Pollution
- Care, Custody, & Control
- Blanket Additional Insured Endorsement Including Primary & Non-Contributory Wording
- Blanket Waiver of Subrogation Endorsement
We will create a customized policy for you to include different types and amounts of coverage. For the Termite & Pest Control Industry, we can provide a policy that includes General Liability, Professional Liability, Employee Benefits Liability & Auto Transit Pollution Coverage.
For the Termite & Pest Control Industry, required limits vary per state, but generally start at $200,000 or $300,000 Per Occurrence and $300,000 or $600,000 General Aggregate. Higher limits are strongly suggested.
Professional Liability insurance, also known as Errors & Omissions, provides coverage for the rendering of or failure to render services (as specified in the policy). Such coverages protect you from third party claims for damages as a result of the services you have provided or failed to provide for them (in the event you are contracted to do such work). For Termite Inspections (WDI/O real estate inspections), such coverage is automatically included on your Commercial General Liability policy. If you require Professional Liability coverage for services other than Termite Control, please complete our online application.
- Mobile Equipment Coverage (Inland Marine)
- Business Personal Property (Contents Coverage)
- Building Coverage
- Business Income/Extra Expense
Property insurance provides coverage for your Building or required by lease, Business Personal Property while located at your place of business from various perils, such as fire & theft. Business Personal Property can include Office Contents (including desk, filing cabinets, computers) as well as Stock & Inventory (subject to policy definitions, terms and conditions).
Inland Marine insurance can provide coverage for your equipment (not permanently attached to your vehicle) that is taken to jobsites (including tool boxes, tools, etc.)
Business Personal Property and Inland Marine coverage can be provided on its own policy or can be packaged with your General Liability coverage. Bone Robertson and McBride, Inc. can offer you a comprehensive policy that is specifically tailored to meet your needs.
- Any Auto Coverage
- Specific Auto Coverage
- Hired & Non-Owned Auto Liability
- Comprehensive & Collision Coverage
- Permanently Attached Equipment Coverage
- Additional Insured Endorsement
- Waiver of Subrogation Endorsement
Auto Liability Insurance is required by law for individuals and for businesses and Comprehensive and Collision coverage may be required by a lender on an auto loan. Car insurance is mandated for good reason – if you get into an accident, you and the other driver involved will be thankful you have coverage.
Depending on the coverages selected Commercial Auto coverage may provide coverage for liability (protection against claims by third parties), comprehensive and collision (to your vehicle), Uninsured/Underinsured Motorist coverage, PIP coverage (required in some states), medical payments coverage, and Hired & Non-Owned Liability coverage for rented vehicles (used in the course of your business) or your employees’ personal vehicles while they are using them in the course of employment for your company. Bone Robertson and McBride, Inc. can offer you a comprehensive policy that is specifically tailored to meet your needs.
- Bonds required by the licensing bureaus such as SPCB, DPR and all others.
- Payment and Performance Bonds
- Bid Bonds
The California Structural Pest Control Board requires a License Bond in the amount of $12,500. This bond is in place to protect your company against any outstanding liens or payments filed by a third party in the even that you fail to make a payment (associated with your business) or fail to perform your services as listed in a written contract.
Additionally, we write Excess Liability, Workers Compensation, Employment Practices Liability, Cyber Liability, Employee Benefits Liability & Group Health/Dental, Life & Disability!
This coverage is written on two different types of forms – Excess or Umbrella. Both types of coverage are designed, subject to the policy’s terms and conditions, to provide coverage above the coverages provided on your primary Commercial General Liability, Commercial Auto, and/or Employer’s Liability policies. This coverage is designed to be utilized when your primary policy limits have been used for the payment of claims and, in some cases, to provide coverage, where your primary policy(s) may not.
Depending on the state in which you do business, Workers Compensation may be required by law. Having Workers Compensation coverage can save you and your business from costly lawsuits and employers liability issues. Workers Compensation Insurance protects your business and your employees, who are oftentimes a huge part of the framework of a company. Such coverage is designed to provide coverage for employees who are injured “On The Job.” Bone Robertson and McBride, Inc. has access to a multitude of markets with competitive rates that specialize in providing Workers Compensation coverage to your industry. Let us provide you with a free quote!
Whether you are company of 1 or a company of 50 or more, Bone Robertson and McBride, Inc. is able to provide you with a quote for Group Health/Medical Insurance tailored to meet your specific needs. We have access to markets providing PPOs, HMOs and Kaiser. Contact us for a quote today!