Insurance for pest control

Dealing with rodents, insects, and other unwanted guests isn’t just about setting traps and spraying treatments—it’s a serious business with its fair share of risks. From accidental property damage to claims of incorrect pesticide use, having the right pest control business insurance is essential to keeping your operations protected.

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Overview

How much does pest control business insurance cost?

Public liability starts at £8.41 a month or £100.92 a year for £1,000,000 cover. The pest control insurance cost depends on factors such as the size of your business and your team, the services you offer, and whether you had claims before.

A sole trader will typically pay less than a company with a large team handling high-risk treatments.

The best way to find out your cost? Click on Get my price to explore the different covers on offer.

Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From

£8.41

per month

Learn more

Key cover

Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From

£9.91

per month

Learn more

Key cover

Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From

£1.25

per month with public liability

Learn more

Flexible

Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From

£9.24

per month with a key cover

Learn more

Worldwide

Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From

£9.50

per month with a key cover

Learn more

Flexible

Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£12.00

per month with a key cover

Learn more

UK wide

Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription.

Learn more

Included

Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From

£9.91

per month

Learn more

Key cover

Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From

£8.41

per month

Learn more

Key cover

Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From

£1.25

per month with public liability

Learn more

Flexible

Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From

£9.24

per month with a key cover

Learn more

Worldwide

Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£12.00

per month with a key cover

Learn more

UK wide

Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From

£9.50

per month with a key cover

Learn more

Flexible

Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription

Learn more

Included

Get my price

get my price

A few questions to get an instant price.

A few questions to get a price.

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Insurance Times Awards 2023, finalist, challenger of the year.

Insurance Times Awards 2023, finalist, excellence in technology.

National Insurance Awards 2024, shortlisted, commercial lines, specialist broker of the year.

National Insurance Awards 2024, shortlisted, innovative product award.

In detail

What is pest control insurance?

Insurance for pest control is designed to cover professionals in the industry against the everyday risks of their work.

Whether you’re handling pesticides, working in commercial or residential spaces, or dealing with specialist vermin removal, pest control insurance coverage ensures that if something goes wrong, your business isn’t left footing the bill.

Pest control liability insurance

Even with the best training and careful handling of chemicals, accidents can happen. Pest control liability insurance covers claims related to injuries, property damage, and professional errors, ensuring you have financial protection if a client or third party takes legal action.

Pest control public liability insurance

Your work often takes you into client homes, businesses, and other private spaces. If a customer, supplier, or member of the public is injured due to your work or you accidentally cause damage to their property, pest control public liability insurance helps cover legal fees and compensation claims.

At Suited

Our public liability insurance has £0 excess, meaning you won't have to contribute to a claim.

Pest control professional indemnity insurance

If a client claims that your advice or service caused them financial loss—such as a failed pest treatment leading to more damage—pest control professional indemnity insurance can help cover legal costs and potential compensation.

Other pest control business insurance covers

While liability insurance is crucial, there are additional covers that can further protect your pest control business. From safeguarding your employees to ensuring your equipment is covered, these extra policies help keep your operations running smoothly even when unexpected issues arise.

Employers liability insurance

If you have employees, apprentices, or subcontractors, employers' liability insurance is a legal requirement. It protects your business if a worker is injured or falls ill due to their job, covering compensation claims and legal costs.

Tools insurance

Your equipment is vital for your work. Tools insurance covers theft, loss, or accidental damage to essential gear, from fumigation machines to traps and sprayers, keeping you operational with minimal downtime.

Commercial legal expenses

From contract disputes to unpaid invoices, running a business comes with legal risks. Commercial legal expenses insurance helps cover legal costs, ensuring you can handle disputes without financial strain.

In this section

FAQs

FAQs

Common questions

Do pest controllers need public liability insurance?

Pest control public liability insurance protects your business from claims related to third-party injuries or property damage caused during your work.

How do I reduce my pest control insurance cost?

Keeping a clean claims history, ensuring staff have up-to-date training, and choosing only the coverage you need can help lower your pest control insurance cost.

Can I get pest control business insurance online?

Absolutely. Suited offers quick and easy online quotes, allowing you to get pest control business insurance in just a few minutes.

Is pest control insurance coverage required by law?

While pest control liability insurance isn’t legally required, some clients and contracts may insist on proof of cover before hiring your services. If you employ staff, employers liability insurance is a legal requirement.

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