Pest Control Insurance FAQs
There are many factors that come into play when calculating your business costs. In Florida, there are certain lines of insurance that you will be required to have that can be costly. Here are a few things insurance companies take into consideration:
- Years in business/experience
- Gross sales
- # of employees
- Claims history
- Services offered
- Location of your business
Florida law requires that each control business must be:
- Be licensed by the Florida Department of Agriculture and Consumer Services (FDACS)
- Carry the required insurance coverage of $250,000 per person and $500,000 per occurrence for bodily injury and $250,000 per occurrence and $500,000 in the aggregate for property damage, or a combined single limit coverage of $500,000 in the aggregate
- Employ full-time a Florida-certified operator in charge of the pest control operations of the business location. This operator must be certified in the categories in which the business operates:
- General Household Pest and Rodent Control,
- Termite and Other Wood-Destroying Organisms Control,
- Lawn and Ornamental Pest Control, and/or
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That is covered by a transit pollution policy change that covers spills or leaks without been involved in an automobile accident.
Yes, we can provide insurance for your canine under Animal Mortality Insurance provided by some of the carriers we work with.
Please consult with EPA United States Environmental Protection Agency and read and comply with the rules and regulations for your client’s protection and your company’s final stability. Insurance policies excludes negligence or reckless attitude. Here is the link for your consultation.
If you perform the tenting and fumigation, make sure you have procedures in place and there is accountability. Here are some of the procedures not all of them, please consult your state:
In the Draft Interim Re-entry Mitigation Measures Memorandum, EPA is proposing the following label revisions for all sulfuryl fluoride products:
- Require more posting of warning signs to be clearer that there is no admittance to fumigation tents during fumigation.
- Require a fumigant management plan for residential fumigations.
- Require additional registrant-sponsored applicator stewardship and training; and
- Only allow use of the clearance devices shown to be effective.
In addition, EPA is proposing to require remote fumigations and aeration from outside of the fumigated space, increase aeration time to 12 to 24 hours, require active aeration (e.g., use of fans), and require portable stacks, which aligns with California’s Aeration Plan that has yielded positive results.
Why The Bunker is Different
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your South Florida business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let our advisors help you forge the strongest shield possible to help you protect the things you are working hard to build.