The Hartford earned our top spot for the best small business insurer for pest control companies because of its affordability and coverage. However, we recommend comparing quotes from our other top picks, including NEXT, Simply Business and biBerk.
Best Pest Control Business Insurance
Updated: July 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for pest control firms because it offers the greatest balance of affordability and coverage.
The cheapest overall commercial insurance provider for pest control businesses is The Hartford, with low monthly rates for various coverage types.
To shop for business insurance for your pest control business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Pest Control Companies
| The Hartford | 96 | 98 | 91 |
| NEXT Insurance | 95 | 95 | 94 |
| biBERK | 91 | 92 | 91 |
| Simply Business | 90 | 89 | 83 |
| Coverdash | 88 | 86 | 83 |
| Progressive Commercial | 87 | 90 | 81 |
| Nationwide | 87 | 81 | 91 |
| Hiscox | 86 | 86 | 87 |
| Thimble | 86 | 87 | 81 |
| Chubb | 85 | 80 | 87 |
*All scores were based on a pest-control business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Cheapest professional liability and BOP
A+ AM Best financial strength
Competitive general liability pricing
cons
Quoting experience is less digital-friendly
COMPANY HIGHLIGHTS
The Hartford works well for pest control businesses that want dependable and cost-effective coverage. It provides the cheapest professional liability at $85 per month and offers the lowest BOP premium at $35 per month among top carriers.
Backed by an A+ from AM Best, showing strong claims handling and policy reliability. It also offers competitive general liability and workers’ comp rates. The tradeoff is a less modern digital quoting interface compared to newer providers.
2. NEXT
pros
Fully digital quote and buy process
Strong customer service scores
Cheapest general liability pricing
cons
Might lack niche pest control policy add-ons
COMPANY HIGHLIGHTS
NEXT works well for pest control startups and small teams that want a streamlined digital experience. It offers the lowest general liability rate at $27 per month and highly competitive professional liability pricing at $88 per month. With a 4.7‑out‑of‑5 customer rating, it’s well regarded for ease of use and support. NEXT works well for licensed technicians and owner-operators. Larger firms needing specific endorsements (like fumigation or environmental chemicals) may need additional coverage.
3. biBerk
pros
Affordable BOP and general liability
Backed by Berkshire Hathaway reliability
Ideal for growing teams
cons
Fewer digital tools than peers
COMPANY HIGHLIGHTS
biBerk offers good value for pest control businesses that want bundled coverage. It ranks second-best for BOP at $37 per month and offers general liability around $29 per month. Both are competitive rates. Backed by Berkshire Hathaway, biBerk provides financial stability and solid claims support. The platform works well for expanding companies that want multiple policies under one insurer. However, it doesn’t offer as many digital features as some competitors.
Cheapest Business Insurance for Pest Control Firms
Our study shows The Hartford offers the cheapest overall commercial insurance for pest control companies across most policy types. However, this applies only to pest control companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Pest Control Companies
With an average monthly rate of $27, NEXT and The Hartford offer the lowest-cost general liability insurance for pest control companies. Even so, consider getting quotes from the next-most-affordable insurers: biBerk and Simply Business.
| NEXT Insurance | $27 | $329 |
| The Hartford | $27 | $328 |
| biBERK | $29 | $343 |
| Simply Business | $32 | $380 |
| Progressive Commercial | $33 | $394 |
| Coverdash | $35 | $422 |
| Thimble | $35 | $421 |
| Hiscox | $36 | $431 |
| Chubb | $37 | $448 |
| Nationwide | $37 | $439 |
Cheapest Workers' Comp Insurance for Pest Control Companies
For pest control businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $30 per month or $361 yearly. Still, it’s worth checking quotes from other low-cost insurers like Progressive Commercial, Simply Business, Coverdash and Hiscox.
| Thimble | $30 | $361 |
| Progressive Commercial | $32 | $389 |
| Coverdash | $34 | $413 |
| Hiscox | $34 | $403 |
| Simply Business | $34 | $402 |
| The Hartford | $34 | $409 |
| biBERK | $35 | $425 |
| NEXT Insurance | $35 | $420 |
| Nationwide | $38 | $453 |
| Chubb | $40 | $486 |
Cheapest Professional Liability Insurance for Pest Control Companies
The Hartford offers the most affordable professional liability insurance options for pest control companies, with low average monthly rates of $85. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $85 | $1,022 |
| NEXT Insurance | $88 | $1,060 |
| Progressive Commercial | $91 | $1,089 |
| Hiscox | $93 | $1,122 |
| Thimble | $93 | $1,119 |
| Simply Business | $95 | $1,135 |
| Coverdash | $96 | $1,153 |
| biBERK | $98 | $1,180 |
| Nationwide | $103 | $1,235 |
| Chubb | $111 | $1,328 |
Cheapest BOP Insurance for Pest Control Companies
The Hartford provides the most affordable BOP coverage for pest control companies, with an average yearly cost of $419 for bundled general liability and property protection. That’s a savings of roughly $26 annually compared to biBerk, the second most affordable option.
| The Hartford | $35 | $419 |
| biBERK | $37 | $445 |
| NEXT Insurance | $40 | $476 |
| Simply Business | $48 | $572 |
| Progressive Commercial | $49 | $593 |
| Coverdash | $51 | $615 |
| Hiscox | $54 | $643 |
| Nationwide | $55 | $658 |
| Thimble | $55 | $656 |
| Chubb | $56 | $667 |
What Type of Coverage Do You Need for a Pest Control Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses with vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. You might also need a surety bond in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED PEST CONTROL BUSINESS COVERAGE
Pest control companies should carry general liability insurance because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance also helps businesses that work under client contracts or provide specialized services. This coverage helps companies offering specialized services or handling large contracts where disputes are more likely.
How to Get the Best Cheap Business Insurance for Your Pest Control Company
Here's a step-by-step method for finding the best and cheapest business insurance for your pest-control company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your pest control business, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
Research average costs for your business profile and find which providers offer the cheapest rates overall. This helps you see how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums for a better look at company services. Also, research coverage options to make sure you're covered for what you need now and as your business grows.
- 4
Compare multiple quotes through different means
The best way to find a good deal is to compare multiple quotes for the same coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Pest Control Business's Liability Risk
Reducing liability risks helps keep insurance costs down for pest control businesses. We've organized risk mitigation strategies by business type and risk level to help you find the best fit for your needs.
Pest Control Business Risk Type | Included Business Types | Risk Mitigation Tactics |
|---|---|---|
Highest | Termite/fumigation, wildlife exclusion | Use certified pesticide applicators, scan sites for children/pets, follow EPA-recommended chemical protocols, log chemical use, use respirators properly |
Moderately High | Wildlife trapping, rodent/HVAC services | Check animal traps regularly, train on handling wildlife, label all tools/chemicals, document pre-service conditions |
Moderate | General pest spraying | Post proper warning signs, follow dilution instructions, provide safety data sheets, record complaint logs |
Lowest | Inspection-only services | Use web-based inspection forms, carry professional liability, use marked vehicles, maintain vendor relationships for escalations |
Best Insurance for Pest Control Business: Bottom Line
The Hartford is the best insurer for pest control business insurance, offering both top-rated service and the most affordable rates. We also recommend getting quotes from NEXT and biBerk. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Pest Control Business Insurance: FAQ
Below, we answer common questions about business insurance for pest control companies.
Who offers the best pest control business insurance overall?
The Hartford provides the top business insurance for pest control companies, boasting a stellar customer service score and an impressive overall score of 96 out of 100. NEXT Insurance ranks closely with an overall score of 95.
Who has the cheapest business insurance for pest control companies?
Here are the cheapest business insurance companies for pest control companies by coverage type:
- Cheapest general liability insurance: NEXT Insurance and The Hartford at $27 per month
- Cheapest workers' comp insurance: Thimble at $30 per month
- Cheapest professional liability insurance: The Hartford at $85 per month
- Cheapest BOP insurance: The Hartford at $35 per month
What business insurance is required for pest control organizations?
You need workers' compensation insurance if you have employees and commercial auto insurance if you own business vehicles, with requirements that vary by state. While not legally mandated, most commercial clients and property leases require general liability insurance and surety bonds.
How much does pest control business insurance cost?
Business insurance costs for pest control companies vary depending on licensing needs, equipment use, and treatment types. Below are the average monthly costs for commonly needed policies:
- General liability: $33 per month
- Workers comp: $35 per month
- Professional liability: $95 per month
- BOP Insurance: $48 per month
How We Chose the Best Pest Control Business Insurance
We selected the best business insurer for pest-control companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.