Insurance cover for your pest control business
Running a pest control business brings many challenges and risks for everyone involved. No one likes vermin invading their space, meaning your services are generally required as soon as possible. So you need to be responsive and ready for action at any time of day.
An essential aspect of your business therefore is planning for when things go wrong. What happens if your equipment is stolen? Or if you’re removing a wasps nest from a loft and you fall through the ceiling? All these factors need to be taken into close consideration to make sure you have the protection you need. Having the right insurance is crucial to help you get back to normal and continue providing your services as quickly as possible. So, which insurance covers should you consider?
Covers for pest control businesses
Liability insurance for pest control experts
Liability cover is essential to protect those around you from unexpected events. Public liability insurance covers all third parties against injury or damage to their property that results from your business activities, whilst employers’ liability insurance would provide compensation for staff if they injured themselves at work. As careful as you may be, accidents happen when you least expect. Ensuring you have adequate cover in place to protect all those around you is essential.
The health and safety of others around you is paramount – but what about the environmental risks associated with using chemicals? The smallest spillage could leak into water systems or cause food poisoning having severe consequences. While the likelihood of this happening is relatively low, the severity of such an incident could be extreme. Therefore environmental liability insurance should be considered as a key element of your pest control insurance.
Equipment cover for pest control specialists
While the liability side of your insurance is crucial, insuring your equipment against loss or damage is critical to your business continuity. With clients requiring your services quickly, your equipment is essential to keeping your business operational. Some insurers will offer cover for buildings, stock and contents as well as portable equipment, with varying levels of cover available to suit your requirements.
Legal protection for pest control professionals
Commercial legal protection can often be included within your pest control insurance to protect against legal action taken against you in relation to your business, as well as provide cover in case you need to pursue legal action against any other parties. The cost of tax and VAT investigations is typically included within this insurance policy as well as contract disputes, and much more. Some insurers will offer varying levels of legal protection meaning you can select the cover that is most suited to your organisation.
Personal accident and sickness insurance for pest control specialists
Running your own business has its advantages, but what would you do if you had an accident meaning you can’t work. Personal accident insurance can be a lifeline in these circumstances and can provide you with a weekly income to help you with your finances until you’re fit enough to return to work. Personal accident insurance will also typically cover you if you’re unable to work due to illness.
Hassle-free pest control insurance
All of these covers and many more can typically be combined into one easy to buy policy to make arranging your pest control insurance simple and hassle-free. If you know the covers you need you can protect your business online in a matter of minutes. If your needs are a little more complex or you require some guidance and advice, our business insurance advisors are on hand to make professional insurance recommendations that are tailored to you.