Pest Control Insurance in New Jersey
Pest control carries an exposure most trades don't: you apply regulated chemicals inside people's homes and businesses. A standard general liability policy typically excludes pollution and chemical-application claims — which is precisely where an exterminator's biggest risk lives.
The pollution exclusion problem
Standard GL almost always excludes pollution — and to that exclusion, the pesticides and herbicides you apply are pollutants. Without an applicator or limited-pollution endorsement, a claim from a botched treatment or a sensitized customer can fall into a gap. We make sure the chemical exposure is actually covered.
NJ licensing and inspection work
New Jersey licenses pesticide applicators through the DEP, and many commercial contracts require proof of insurance. If you perform termite or wood-destroying-insect inspections for real estate transactions, that inspection work adds a professional-liability angle worth covering separately.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match pest control insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.