Pest control business insurance costs range from $32 to $213 monthly, depending on coverage type.
Get matched with cheap pest control business insurance below.
Updated: November 13, 2025
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Annual pest control business insurance costs range from $735 to $979 on average, depending on your coverage type, state and sub-industry.
Your pest control insurance premiums depend on your location, claims history, the property types you service and your employee count.
Shop multiple business insurers, bundle your policies, raise your deductibles and pay annually to reduce your pest control business insurance costs.
We found average business insurance costs for pest control companies for commonly needed coverage are as follows:
| BOP | $48 | $573 |
| General Liability | $32 | $388 |
| Professional Liability (E&O) | $95 | $1,142 |
| Workers' Comp | $70 | $845 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your pest control business insurance cost for general liability insurance varies by location. Maine leads with the lowest rates at $28 monthly, well below the $32 national average, while New York operators pay $38 monthly for comparable protection.
| Alabama | $32 | $380 |
| Alaska | $29 | $347 |
| Arizona | $31 | $369 |
| Arkansas | $31 | $373 |
| California | $36 | $433 |
| Colorado | $32 | $385 |
| Connecticut | $35 | $422 |
| Delaware | $35 | $417 |
| Florida | $35 | $421 |
| Georgia | $33 | $395 |
| Hawaii | $34 | $405 |
| Idaho | $31 | $369 |
| Illinois | $36 | $427 |
| Indiana | $32 | $379 |
| Iowa | $31 | $370 |
| Kansas | $31 | $378 |
| Kentucky | $30 | $361 |
| Louisiana | $36 | $434 |
| Maine | $28 | $337 |
| Maryland | $31 | $371 |
| Massachusetts | $34 | $408 |
| Michigan | $31 | $368 |
| Minnesota | $30 | $365 |
| Mississippi | $33 | $390 |
| Missouri | $32 | $384 |
| Montana | $32 | $387 |
| Nebraska | $31 | $368 |
| Nevada | $37 | $441 |
| New Hampshire | $32 | $387 |
| New Jersey | $37 | $440 |
| New Mexico | $33 | $391 |
| New York | $38 | $452 |
| North Carolina | $28 | $337 |
| North Dakota | $28 | $338 |
| Ohio | $30 | $361 |
| Oklahoma | $30 | $361 |
| Oregon | $30 | $361 |
| Pennsylvania | $37 | $448 |
| Rhode Island | $36 | $427 |
| South Carolina | $33 | $401 |
| South Dakota | $30 | $364 |
| Tennessee | $32 | $379 |
| Texas | $33 | $392 |
| Utah | $31 | $370 |
| Vermont | $31 | $373 |
| Virginia | $29 | $354 |
| Washington | $37 | $442 |
| West Virginia | $34 | $408 |
| Wisconsin | $32 | $382 |
| Wyoming | $30 | $359 |
Note: We based these general liability rates on pest control businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of properties you service.
The cost of workers' compensation insurance for pest control businesses differs across states. North Carolina leads with the most affordable rates at $61 monthly, while New York has the highest at $82 monthly. State regulations and claim histories create these differences.
| Alabama | $69 |
| Alaska | $64 |
| Arizona | $67 |
| Arkansas | $67 |
| California | $77 |
| Colorado | $69 |
| Connecticut | $76 |
| Delaware | $76 |
| Florida | $76 |
| Georgia | $71 |
| Hawaii | $74 |
| Idaho | $67 |
| Illinois | $76 |
| Indiana | $68 |
| Iowa | $66 |
| Kansas | $68 |
| Kentucky | $66 |
| Louisiana | $80 |
| Maine | $62 |
| Maryland | $67 |
| Massachusetts | $73 |
| Michigan | $67 |
| Minnesota | $66 |
| Mississippi | $70 |
| Missouri | $70 |
| Montana | $70 |
| Nebraska | $67 |
| Nevada | $81 |
| New Hampshire | $70 |
| New Jersey | $79 |
| New Mexico | $71 |
| New York | $82 |
| North Carolina | $61 |
| Oklahoma | $65 |
| Oregon | $65 |
| Pennsylvania | $81 |
| Rhode Island | $77 |
| South Carolina | $71 |
| South Dakota | $66 |
| Tennessee | $68 |
| Texas | $71 |
| Utah | $67 |
| Vermont | $68 |
| Virginia | $64 |
| West Virginia | $74 |
| Wisconsin | $69 |
Note: We based these workers' comp rates on pest control businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost varies by state. Nationwide, this coverage averages $95 monthly. Maine offers the most affordable rates at $82 monthly, while New York commands the highest premiums at $112 monthly.
| Alabama | $93 |
| Alaska | $86 |
| Arizona | $93 |
| Arkansas | $91 |
| California | $105 |
| Colorado | $96 |
| Connecticut | $100 |
| Delaware | $101 |
| Florida | $104 |
| Georgia | $97 |
| Hawaii | $98 |
| Idaho | $91 |
| Illinois | $104 |
| Indiana | $92 |
| Iowa | $92 |
| Kansas | $93 |
| Kentucky | $89 |
| Louisiana | $106 |
| Maine | $82 |
| Maryland | $89 |
| Massachusetts | $98 |
| Michigan | $89 |
| Minnesota | $89 |
| Mississippi | $96 |
| Missouri | $96 |
| Montana | $95 |
| Nebraska | $89 |
| Nevada | $110 |
| New Hampshire | $93 |
| New Jersey | $109 |
| New Mexico | $95 |
| New York | $112 |
| North Carolina | $82 |
| North Dakota | $84 |
| Ohio | $89 |
| Oklahoma | $89 |
| Oregon | $90 |
| Pennsylvania | $109 |
| Rhode Island | $103 |
| South Carolina | $97 |
| South Dakota | $89 |
| Tennessee | $93 |
| Texas | $95 |
| Utah | $91 |
| Vermont | $91 |
| Virginia | $87 |
| Washington | $111 |
| West Virginia | $100 |
| Wisconsin | $94 |
| Wyoming | $89 |
Note: We based these professional liability rates on pest control businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Pest control business insurance costs depend on your state, with business owner's policy (BOP) premiums varying across the country. BOP insurance costs range from $41 monthly in North Dakota to $56 in New York for the same coverage level.
This $15 monthly difference translates to $180 in annual savings for pest control operators in North Dakota compared to New York. States like Maine ($41), North Carolina ($42) and Alaska ($44) also offer affordable BOP rates for pest control businesses.
Washington ($55), Nevada ($54) and Louisiana ($54) join New York among the most expensive states for pest control BOP coverage. These regional variations reflect factors like local claim frequencies, natural disaster risks and state insurance regulations.
| Alabama | $47 |
| Alaska | $44 |
| Arizona | $45 |
| Arkansas | $45 |
| California | $53 |
| Colorado | $47 |
| Connecticut | $51 |
| Delaware | $52 |
| Florida | $51 |
| Georgia | $49 |
| Hawaii | $49 |
| Idaho | $45 |
| Illinois | $52 |
| Indiana | $47 |
| Iowa | $46 |
| Kansas | $47 |
| Kentucky | $45 |
| Louisiana | $54 |
| Maine | $41 |
| Maryland | $46 |
| Massachusetts | $50 |
| Michigan | $46 |
| Minnesota | $45 |
| Mississippi | $48 |
| Missouri | $47 |
| Montana | $48 |
| Nebraska | $44 |
| Nevada | $54 |
| New Hampshire | $47 |
| New Jersey | $54 |
| New Mexico | $47 |
| New York | $56 |
| North Carolina | $42 |
| North Dakota | $41 |
| Ohio | $45 |
| Oklahoma | $44 |
| Oregon | $45 |
| Pennsylvania | $54 |
| Rhode Island | $52 |
| South Carolina | $50 |
| South Dakota | $45 |
| Tennessee | $47 |
| Texas | $48 |
| Utah | $46 |
| Vermont | $46 |
| Virginia | $44 |
| Washington | $55 |
| West Virginia | $50 |
| Wisconsin | $47 |
| Wyoming | $44 |
Note: We based these BOP rates on pest control businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Pest Control business insurance costs vary by provider, ranging from $53 to $71 monthly. This variation stems from each insurer's specific market focus and risk assessment strategies, which shift over time based on profitability and coverage expansion opportunities.
| Chubb | $71 | $849 |
| Coverdash | $63 | $755 |
| Hiscox | $63 | $753 |
| NEXT Insurance | $54 | $654 |
| Nationwide | $68 | $812 |
| Progressive Commercial | $60 | $720 |
| Simply Business | $60 | $723 |
| The Hartford | $53 | $635 |
| Thimble | $63 | $751 |
| biBERK | $59 | $704 |
Several factors influence your pest control business insurance costs when insurers calculate your policy premium.
Pest pressures vary by climate and region, affecting both treatment frequency and chemical use. Companies operating in warm, humid areas with year-round termite and mosquito activity encounter different risk profiles than those in temperate zones.
Chemical exposure incidents and treatment failures create liability events for exterminators. Claims alleging property damage from fumigation or health issues from pesticide application will haunt your insurance file well into the future.
Treating single-family homes for routine pests presents manageable exposure. Companies servicing restaurants, food processing plants or healthcare facilities have stringent regulations and heightened liability that insurers price accordingly.
Technicians handling chemicals and working in crawl spaces have real occupational hazards. Each licensed applicator and helper you employ adds to your workers' comp burden, with rates reflecting the chemical exposure inherent in daily operations.
General pest control for ants and roaches sits at the baseline risk level. Expand into termite treatments, wildlife removal or fumigation services and you're entering specialized territory that demands enhanced coverage at premium prices.
Route density and customer counts signal your claim exposure to underwriters. Small operators servicing 200 accounts for $85,000 yearly operate at completely different scales than regional companies managing 2,000+ customers and billing $500,000.
Pollution liability becomes critical when chemicals are your primary tool. Many pest control policies bundle general liability with pollution coverage, and choosing higher limits protects against worst-case contamination scenarios at increased monthly expense.
Spray rigs, treatment chemicals and service vehicles represent substantial investments requiring proper protection. Businesses running multiple trucks with commercial application equipment need more comprehensive coverage than startups using basic handheld sprayers.
State pesticide licenses and proper certifications demonstrate compliance to insurers. Companies maintaining clean regulatory records and solid credit secure better rates than those with violations or financial instability on file.
Lowering your pest control business insurance costs takes careful planning and smart decision-making. Our step-by-step guide can help you do just that. Follow these strategies to find the best cheap business insurance for your pest control company while improving your risk profile for long-term savings.
Pest control companies require general liability insurance to cover property damage resulting from chemical treatments and customer injuries, as well as professional liability insurance for ineffective treatments or recurring infestations. They need pollution liability insurance, given that pesticides and fumigants pose environmental hazards.
Add commercial auto for service vehicles, equipment coverage for sprayers and application tools, workers' compensation for chemical exposure risks and completed operations coverage for issues that arise after treatments.
Exterminator premiums vary based on whether you handle residential treatments, commercial properties or specialized services like termite control and wildlife removal.
Pest control insurers understand state licensing requirements, EPA regulations and chemical application risks better than general carriers.
Combining general liability, pollution liability and commercial auto saves 18% to 27% compared to purchasing separately. Many insurers offer pest management packages that include professional liability and equipment coverage at reduced bundle rates.
Higher equipment deductibles of $1,000 to $2,500 reduce premiums by 19% to 26%, which works for established companies with well-maintained sprayers. Keep pollution and general liability deductibles low since chemical damage claims or environmental cleanup costs can quickly rise.
Monthly payment plans add 6% to 11% in installment fees, which on a $7,000 policy costs $420 to $770 extra annually. Paying upfront eliminates these charges and earns 5% to 9% discounts from pest control carriers.
Review your policy whenever you add technicians, expand into fumigation or bed bug heat treatments or start commercial contracts requiring higher liability limits. If you've obtained state certifications, completed IPM training or transitioned to eco-friendly products, you can qualify for premium discounts.
Pest control business insurance costs range from $32 for general liability to $213 monthly, with your location, claims history and business size affecting your premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Pest Control business owners commonly ask about insurance costs. We answered the most frequent questions below:
General liability is the cheapest at $32 monthly, but it covers only third-party claims. Most Pest control companies need BOP coverage ($48 monthly) since it bundles general liability with property protection for comprehensive business coverage.
You'll pay more in these states. General liability in California runs $36 monthly (versus $32 national average), and BOP costs $53 monthly (versus $48 average). New York is similar at $38 and $56, respectively.
Combining multiple policies with one insurer delivers greater savings than purchasing coverage separately. Insurance companies reward pest control businesses with discounts when bundling general liability, commercial auto and commercial property insurance together.
Higher premiums result from multiple risk factors: extensive chemical usage, potential property damage claims, liability exposures from toxic treatments, working in hazardous environments, and increased workers' compensation needs.
Higher deductibles reduce monthly premiums but increase your out-of-pocket costs per claim. Consider your business's financial reserves and expected claim frequency when deciding.
Workers' compensation costs for pest control businesses vary by state, spanning from $61 monthly in North Carolina to $82 monthly in New York.
Yes, BOP insurance is worth it for pest control companies. BOP costs $48 monthly and packages general liability, commercial property, and business interruption coverage together, saving money versus purchasing each policy individually.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff.
We collected pest-control business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small pest-control business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the pest-control industry.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
