Insuring your pest control business
As a pest controller your work is unpredictable and changes from day to day. From insect infestations to larger vermin and animal control, sometimes things can go wrong. Even though you take precautions, the chemicals you use could make a client ill or you might have an accident working in an unfamiliar location. Business insurance for pest controllers from Hiscox provides tailored cover to ensure you and your business are covered when things don’t go to plan, letting you get on with running your business.
Why you need business insurance for pest controllers
Illness and injury
Imagine a client’s neighbour is injured after tripping over a trap set for rats outside both properties. You might have warned the neighbours to be careful, but if they’re hurt, they could still blame you. Public liability insurance from Hiscox as part of a tailored business insurance policy covers you for legal costs and any settlement.
Unable to work
Dealing with a wasps’ nest high in the rafters of a client’s house, you lose your balance and fall off the ladder. It might seem like a silly mistake, but it could result in several weeks off work and being out of action means no income to pay bills or rent. Personal accident insurance provides a weekly pay-out, which means financial commitments are taken care of while you’re off work and recovering.
Damaged equipment
A camera used for looking into small and hard to reach areas is damaged beyond repair. It’s a key part of your pest control business kit and you can’t complete the job without it. Replacing it is the only option and with portable equipment insurance from Hiscox within your business insurance policy you’ll have the cost of a replacement covered.
If you’re not sure what you need, tell us a little more about your pest control business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for pest controllers
Public liability insurance
Public liability insurance ensures you’re covered if someone claims they’re injured or their property is damaged as a result of the work you’ve carried out or the products you’ve used. That might be down to the specialist tools of your trade, but it could be as simple as someone tripping over an electrical cable. Your business insurance for pest control will pay compensation on your behalf as well as the legal costs of defending the claim. Both public liability and product liability cover will help you with the costs of compensation and the legal expenses of the claims process.
Personal accident insurance
What would you do if you couldn’t work as a result of an injury? Personal accident insurance protects you when the unforeseen happens. No matter how well you know the job and how carefully you prepare, accidents can still happen and that can mean lost earnings. Whether you need to stay in hospital or you physically can’t work, it provides a weekly pay-out and can also cover the cost of support staff. It’s another essential part of business insurance for pest controllers.
Portable equipment insurance
You rely on the tools of your trade for professional pest control, but what if they’re damaged or stolen? To do your job you need to be able to source replacements quickly. Whether it’s your own gear or something you’ve hired in for a specific project, with portable equipment insurance cover as part of your business insurance for pest controllers policy from Hiscox, you can make sure your vital equipment is covered against the unexpected.
These are just some of the types of business insurance for pest controllers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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