Pest control business insurance costs vary based on the type of coverage you need. MoneyGeek's survey shows monthly premiums range from $32 for general liability to $95 for professional liability coverage.
How Much Does Pest Control Business Insurance Cost?
Business insurance for pest control companies starts at $32 per month, but your specific business details will determine your final rate.
Discover cheap pest control business insurance below.
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Updated: August 22, 2025
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Key Takeaways
Pest control business insurance costs range from $32 to $95 monthly, with general liability offering the most affordable starting point.
Your Pest Control insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable Pest Control business insurance costs.
Average Pest Control Business Insurance Cost Overall
| BOP | $48 |
| General Liability | $32 |
| Professional Liability (E&O) | $95 |
| Workers' Comp | $70 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Pest Control Business Insurance Cost for General Liability Coverage by State
Your pest control business insurance costs for general liability coverage depend on your location. Maine offers the best value at $28 monthly versus the $32 national average, while New York costs $38 monthly.
| Alabama | $32 |
| Alaska | $29 |
| Arizona | $31 |
| Arkansas | $31 |
| California | $36 |
| Colorado | $32 |
| Connecticut | $35 |
| Delaware | $35 |
| Florida | $35 |
| Georgia | $33 |
| Hawaii | $34 |
| Idaho | $31 |
| Illinois | $36 |
| Indiana | $32 |
| Iowa | $31 |
| Kansas | $31 |
| Kentucky | $30 |
| Louisiana | $36 |
| Maine | $28 |
| Maryland | $31 |
| Massachusetts | $34 |
| Michigan | $31 |
| Minnesota | $30 |
| Mississippi | $33 |
| Missouri | $32 |
| Montana | $32 |
| Nebraska | $31 |
| Nevada | $37 |
| New Hampshire | $32 |
| New Jersey | $37 |
| New Mexico | $33 |
| New York | $38 |
| North Carolina | $28 |
| North Dakota | $28 |
| Ohio | $30 |
| Oklahoma | $30 |
| Oregon | $30 |
| Pennsylvania | $37 |
| Rhode Island | $36 |
| South Carolina | $33 |
| South Dakota | $30 |
| Tennessee | $32 |
| Texas | $33 |
| Utah | $31 |
| Vermont | $31 |
| Virginia | $29 |
| Washington | $37 |
| West Virginia | $34 |
| Wisconsin | $32 |
| Wyoming | $30 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Pest Control Business Insurance Cost for Workers’ Compensation Coverage by State
Your pest control business's cost for workers' compensation varies by state. North Carolina offers the lowest rates at $61 monthly and New York the highest at $82 monthly. Our analysis reveals how 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Pest Control Business Insurance Cost for Professional Liability Coverage by State
Like other insurance types, your pest control cost for professional liability varies by state. The national average is $96 monthly, with Maine offering the lowest rates at $82 monthly for E&O insurance, while New York charges the highest 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Pest Control Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show notable variations in pest control business insurance costs by state. Monthly premiums range from $41 in North Dakota to $56 in New York.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Pest Control Business Insurance Cost
Insurance costs for your pest control business are based on several factors that insurance companies review to set premiums. Understanding these pricing elements helps with budget planning. We explain these key factors below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Pest control businesses in areas with frequent severe weather face higher risks, while local crime rates and state-specific pesticide regulations create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single customer injury or property damage claim can substantially increase your general liability rates at renewal.
Types of properties serviced
Commercial facilities and healthcare buildings carry higher liability risks than residential properties. Treating restaurants requires special care around food preparation areas, while working in medical facilities demands strict safety protocols for chemical applications.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Different pest control services carry varying risk levels. Fumigation and aerial treatments involve higher liability than basic residential spraying. Companies offering termite control or wildlife removal face different insurance costs than those focusing on routine pest management.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A small pest control business earning $100,000 annually pays less than a commercial operation with $1 million in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive pest control equipment and service vehicles require higher coverage limits, increasing your premiums. A company using specialized fumigation equipment and multiple service trucks needs more coverage than one using basic spraying equipment.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Pest Control Business Insurance
Smart pest control business owners can lower their insurance costs through strategic shopping and risk management practices, and our proven tips below show exactly how to reduce premiums both now and long-term.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your pest control company needs prevents overpaying for unnecessary coverage. General liability protects against customer claims and property damage, while workers' compensation covers employee injuries. Commercial auto insurance is essential for your service vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle quote comparisons for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and commercial auto insurance with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Most insurance companies add processing fees for monthly payments. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Pest Control Business Cost: Bottom Line
Pest control business insurance costs range from $32 to $95 monthly, with your location, claims history and business size driving your actual 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 Insurance Cost: FAQ
We know pest control business owners have many questions about insurance costs, so our insurance experts compiled straightforward answers to the most common questions below.
What is the cheapest type of pest control business insurance?
General liability insurance is the cheapest at $32 monthly, but most pest control businesses need this coverage since it protects against customer injuries and property damage claims.
How much can I save by bundling my pest control business insurance policies?
Bundling policies through a BOP offers the most cost-effective insurance solution, combining essential coverages at $48 per month versus purchasing separate policies.
What factors make my pest control business insurance more expensive?
Several factors affect insurance costs: business location, claims history, service types, workforce size, equipment value and credit rating.
Should I choose a $500 or $2,500 deductible for my pest control business insurance?
Higher deductibles lower your monthly insurance costs, but require larger out-of-pocket payments when filing claims. Base your choice on available cash and claim frequency.
How much does workers' compensation cost for pest control businesses by state?
Workers' compensation costs for pest control businesses vary by state, ranging from $61 monthly in North Carolina to $82 monthly in New York, with rates reflecting location-specific risks.
Is business owner's policy (BOP) worth the extra cost for pest control companies?
A business owner's policy costs $48 per month and bundles general liability, commercial property and business interruption coverage. This package deal offers more value than purchasing policies separately.
How often should I shop around for pest control business insurance quotes?
Annual insurance reviews during renewal time are recommended. Compare at least three insurers for the best rates, particularly if your business grows or services expand.
How We Determined Pest Control Business Insurance Costs
We collected pest control business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small pest control businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.