Public liability and professional indemnity cover built for pest controllers, including the risks of using chemicals and working inside occupied properties.
Public liability and professional indemnity cover built for pest controllers, including the risks of using chemicals and working inside occupied properties.
Treatment liabilityChemicals usedTools & equipment
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Pest control insurance is a combination of covers built around treating infestations in other people’s homes and businesses, public liability for injury or damage, professional indemnity if your treatment advice turns out wrong, and employers’ liability if you have staff.
You’re usually trusted with a key, working around pets and food areas, and applying chemicals, all of which raise the stakes if something goes wrong.
Pest control insurance can include:
Public liabilityEmployers’ liabilityProfessional indemnityTreatment failure coverTools & equipmentBusiness van insurance (separate policy)
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your advice or design was negligent and caused a loss.
Business Contents
Protects chemicals, equipment and stock kept at a unit or vehicle.
Tools & Equipment
Covers traps, sprayers and other equipment against theft.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Pest controllers usually need both. They cover different kinds of mistake.
Pest controllers usually need both. They cover different kinds of mistake.
| Situation | Public liability | Professional indemnity |
|---|---|---|
A chemical spills and damages a client’s property | Covers the physical damage | Not the main risk here |
Your treatment fails and the infestation causes damage | Recommended alongside Professional Indemnity | Often needs both covers together |
You damage something while accessing a loft or void | This is exactly what it’s for | Not the main risk here |
A pet or person is harmed by a treatment you applied | Covers injury to people and animals | Product liability may also apply here |
Top Tip
Recommending a treatment that doesn’t work isn’t physical damage, it’s professional advice that turned out wrong. That’s exactly the gap professional indemnity is designed to close.
There’s no fixed price. It depends on the type of pest control you do, the chemicals you use, whether you have staff and your claims history.
Type of pest control
Commercial and agricultural work carries different risk to domestic treatments.
Level of cover
Adding professional indemnity increases your premium.
Chemicals used
Higher-strength treatments can affect your risk profile and premium.
Access to client property
Working unsupervised in homes can affect how insurers assess risk.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get pest control insurance
How to get pest control insurance
Getting pest control insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting pest control insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of pest control you do, and whether you have staff.
Choose your covers
Public liability, professional indemnity and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Pest control insurance guides
Pest control insurance guides
Practical advice on cover, chemicals and staying protected.
Practical advice on cover, chemicals and staying protected.
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Pest control insurance FAQs
Pest control insurance FAQs
Straight answers on cover, chemicals, treatment failure and cost.
Straight answers on cover, chemicals, treatment failure and cost.
Pest control insurance is a combination of covers built around treating infestations in other people’s properties: public liability for injury or damage, professional indemnity if your treatment advice turns out wrong, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Pest controllers often work alongside these trades. Each has its own cover requirements.
Pest controllers often work alongside these trades. Each has its own cover requirements.
Cleaner Insurance
Deep cleaning that often follows an infestation treatment.
Handyman Insurance
Proofing work, sealing gaps and minor repairs.
Gardener & Landscaper Insurance
Outdoor treatments and grounds maintenance.
