Pest Control Insurance

Pest Control Insurance is designed to protect you and your business from the risks that come with handling chemicals, working in homes and commercial spaces, and dealing with unpredictable environments.

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Most pest controllers start with Public Liability Insurance, which can cover legal costs and compensation if someone claims for injury or property damage caused by your work.

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You can then tailor your policy to suit the way you work. Cover options include:

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• Tools and Materials Insurance
  Helps cover the cost of replacing your specialist equipment if it’s stolen or damaged.
• Employers’ Liability Insurance
  A legal requirement if you employ anyone. It covers claims from staff who are injured or become ill as a result of their work.
• Contract Works Cover
  Provides protection for unfinished jobs and materials if something unexpected causes damage before the work is complete.
• Legal Expenses Insurance
  Can support you with the cost of legal disputes, including issues with suppliers, contracts or tax enquiries.

Depending on how you operate, you may also want to consider cover for Hired in Plant or Own Plant if you use specialist machinery on site.

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Every pest control business is different, so your cover should reflect the work you do and the risks you face. If you're unsure what you need, our team is here to help. You can reach us at 020 3808 7099.

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We understand you might have questions about what your public liability insurance covers. While we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

Here are a few examples of situations typically not covered by public liability insurance:

• Damage to your own property: This policy protects against third-party claims, so if you damage your own tools or equipment, it wouldn't be covered.

• Asbestos-related claims: Due to the specific risks involved, these claims are usually excluded.

• Intentional acts: If you intentionally cause damage, it wouldn't be covered.

• Cyber Liability and Computer Viruses/Hacking: Public liability doesn't cover data breaches or cyberattacks. Consider cyber liability insurance for this.

Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

Our insurance policies are flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage.

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Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your public liability insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

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If something goes wrong like an accident on-site, a damaged client property, or stolen kit, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.