How Much Does Pest Control Insurance Cost? 2025 Rates

Pest control businesses in the U.S. typically spend between $1,440 and $1,800 per year on insurance. That equals about $120 to $150 each month.

What Drives Premiums

Several factors influence how much coverage will cost:

• Business size – Larger operations with multiple crews and higher sales usually face higher premiums.
• Coverage limits – Higher limits provide stronger protection but increase monthly payments.
• Services offered – Specialized treatments, fumigation, or wildlife removal carry more risk than basic pest control.
• Location – Operating in busy cities or high-risk regions tends to raise premiums compared to quieter areas.
• Number of employees – More staff increases liability exposure and workers’ compensation costs.
• Equipment used – Expensive sprayers, vehicles, or specialized gear require more coverage.
• Claims history – A clean record helps keep costs down, while past claims may raise rates.

Why It Matters

Understanding these cost drivers helps pest control companies budget wisely and choose coverage that matches their risks. With the right plan, they can protect their business without overspending.

How Much Does Pest Control Insurance Cost?

On average, pest control companies spend between $1,440 and $1,800 annually on insurance. That equals about $120 to $150 per month. These figures are only estimates, and the actual premium depends on the details of your business.

Why Costs Differ

No two pest control businesses are alike. A small operation with one technician and basic services will usually pay far less than a larger company with multiple employees, vehicles, and specialized treatments such as fumigation.

Key Cost Drivers

Several factors influence how much you’ll pay for coverage:

• Claims history – Filing past claims often raises premiums, while a clean record can lower them.
• Property size and value – Larger facilities or expensive equipment increase commercial property insurance costs.
• Number of employees – More staff means greater liability exposure and higher workers’ comp expenses.
• Business interruption and add-ons – Extra coverage options add to the total bill.

Services, Chemicals, And Location

The types of pests you handle, the chemicals you use, and where you operate all matter. Businesses offering high-risk services or using powerful chemicals often face higher premiums. Likewise, operating in a busy city with higher theft rates or more lawsuits can raise liability and property insurance costs compared to safer, low-risk areas.

Why This Matters

Understanding these variables helps pest control companies estimate insurance needs more accurately and budget for the real costs of protecting their business. With the right coverage, you can safeguard your operations without overspending.

Average Pest Control Insurance Costs For Coverage Types

When it comes to protecting your pest control business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most pest control companies need.

General liability insurance: $120 per month

Workers’ compensation insurance: $94 per month

Commercial auto insurance: $160 per month

Professional liability insurance: $46 per month

General Liability Insurance

The average cost of general liability insurance for a pest control business is about $120 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if a customer trips over your equipment during a home visit and gets injured, this policy would help cover their medical bills and pay for your legal defense if they decide to sue.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the business size, location, customer traffic volume, previous claims history, and any additional insured endorsements.

Average annual premiums by state:

Note: These estimates are based on average national General Liability Insurance premiums for pest control businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on business size, services offered, claims history, and insurer underwriting practices.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a pest control business is around $94 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if a pest control technician is exposed to harmful chemicals and needs medical treatment, workers’ comp would help cover their hospital bills and a portion of their lost wages while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Average annual premiums by state:

Note: These estimates are based on average national Workers’ Compensation premiums for pest control businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on payroll size, number of employees, claims history, and insurer underwriting practices.

Commercial Auto Insurance

The average cost of commercial auto insurance for a pest control business is about $160 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if one of your technicians gets into an accident while driving a company van to a client’s home, this policy would help pay for vehicle repairs, medical costs, and any third-party claims for injury or property damage.

Factors influencing the cost include the number and type of vehicles, how often they are used, the driving records of employees, and whether you add endorsements like hired and non-owned auto insurance (HNOA) for employee-owned vehicles.

Average annual premiums by state:

Note: These estimates are based on average national Commercial Auto Insurance premiums for pest control businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on the number of vehicles, driving records, coverage limits, and insurer underwriting practices.

Professional Liability Insurance

The average cost of professional liability insurance for a pest control business is about $46 per month.

Professional liability insurance (also called Errors and Omissions Insurance) protects your business if a customer claims you made a mistake, gave bad advice, or didn’t do the job properly, and it caused them a financial loss.

For example, if you treat a home for termites but miss an active infestation, and the client later discovers major structural damage, they might sue you for negligence. This insurance would help cover your legal defense costs and any settlement or judgment you’re required to pay.

Typical policy limits are $1 million per occurrence and $1 million aggregate.

The cost of professional liability insurance depends on things like how much coverage you want, how big your business is, and the kind of services you provide.

Average annual premiums by state:

Note: These estimates are based on average national Professional Liability Insurance premiums for pest control businesses, adjusted slightly for state-level differences. Actual premiums will vary depending on business size, services offered, claims history, and insurer underwriting practices.

Pest Control Business Insurance Costs By Provider

Pest control business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average small business insurance costs for pest control operations, typically including general liability, commercial auto, workers’ compensation, and property coverage. Actual premiums will vary depending on factors such as location, business size, number of employees, services offered, claims history, and coverage limits.

What Factors Impact Your Pest Control Insurance Costs?

Insurance premiums for pest control companies are based on your overall risk profile. Underwriters consider the types of pests you treat, the chemicals you use, your location, and your claims history when calculating rates.

Claims History

A record of frequent claims can raise premiums, as insurers see this as higher risk. Keeping a clean history often helps secure discounts and lower costs.

Property And Vehicle Value

Owning a building, storing chemicals, or operating company vehicles increases insurance needs. High-value trucks, sprayers, or storage facilities raise commercial property and auto insurance costs.

Type Of Pest Control Services

Not all services carry the same risk. Handling basic household pests usually costs less to insure than fumigation, termite treatment, or wildlife removal, which involve greater hazards and liability.

Policy Limits And Deductibles

Higher policy limits provide stronger protection but increase premiums. Choosing a higher deductible can reduce monthly costs, though it means paying more out of pocket if a claim arises.

Business Location

Where you operate matters. Companies in high-crime areas, flood-prone regions, or places with frequent lawsuits often pay more compared to those in safer, low-risk neighborhoods.

Use Of Chemicals And Equipment

Strong or restricted-use pesticides, along with expensive sprayers or specialized tools, increase risk. Chemical exposure, spills, or equipment damage all raise coverage needs.

Size Of The Operation

Larger businesses with more technicians, vehicles, and service calls face greater exposure. More staff increases workers’ compensation costs, while higher activity levels raise the likelihood of claims.

How To Lower Your Pest Control Insurance Costs

Running a pest control company can be costly, but your insurance premiums don’t have to overwhelm your budget. While coverage is essential, there are practical ways to cut costs without losing protection.

Raise Your Deductible

Opting for a higher deductible is a straightforward way to lower monthly premiums. Just be sure you can comfortably cover the out-of-pocket amount if a claim arises.

Bundle Policies Together

Combining coverage often leads to savings. Many insurers offer a Business Owner’s Policy (BOP) that merges general liability and property insurance at a reduced rate. Adding workers’ compensation through the same provider can unlock additional discounts while simplifying paperwork.

Ask About Discounts

Insurers frequently reward loyalty and upfront payments. You may qualify for reduced rates by signing a multi-year agreement or paying your premium in full instead of monthly installments.

Build A Safer Workplace

Accidents can quickly drive up insurance costs. Properly storing chemicals, using protective gear, keeping equipment in good condition, marking treated areas, and training staff on safe practices all help reduce risks. Fewer incidents mean fewer claims, which lowers liability premiums over time.

Strengthen Your Safety Program

Workers’ compensation costs can be managed by focusing on employee safety. Teaching technicians how to handle chemicals correctly, drive carefully between jobs, and follow treatment protocols reduces injuries. When fewer claims are filed, premiums stay lower.