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You get rid of problems that are bugging your customers. Your Winnipeg pest control business is a job that comes with risks, though. Do you have enough liability insurance to protect your pest control business against lawsuits and claims?
Pest control insurance protects you from an accident, mishap, or legal claim whether you are working in a residential home or a commercial building in Manitoba.
Western Financial Group, a 100% Canadian company, can help you navigate your car, home, business, and boat insurance during this period of economic uncertainty.
When you run a pest control business in Winnipeg, you’re getting rid of unwanted rodents, bed bugs, cockroaches, and other pesky insects or creatures with the use of chemicals, traps, or barriers.
Pest control insurance specifically covers the risks that you face as a residential or commercial exterminator.
Without pest control insurance, you would be responsible for paying for an accident, incident, or lawsuit out of your pocket. Liability insurance is a key component of your pest control insurance package.
The following factors are usually considered:
This is necessary liability insurance for Winnipeg pest control businesses. Without CGL insurance, you will pay costs related to third-party (customer/supplier) injuries or damage to their property out of your own pocket.
If you were sued, commercial general liability insurance would help cover the legal costs to defend the claim against your Winnipeg pest control business in court, as well as costs to cover damages to compensate third parties whether you win or lose your case.
It’s strongly recommended that pest control businesses in Manitoba have pollution liability insurance. You may also hear it called environmental insurance.
Pollution liability insurance helps cover the cost of damages to a customer’s property or to their health caused by a toxic substance you used in the course of your work.
This type of insurance is also called errors and omissions insurance.
If you are faced with a lawsuit as a Manitoba exterminator, professional liability insurance can help protect you against loss in the event of a lawsuit due to a negligent act, or an error or omission in the course of your services. Professional liability insurance can help cover your legal costs and related costs.
If your Winnipeg pest control business stores your customers’ names, addresses and credit card information digitally and your computer system is hacked, cybercriminals can sell this information.
Without cyber insurance, you will need to pay out of your pocket for the cost of restoring your system. You may also be liable for damages to third parties whose information has been stolen.
Any item valued at less than $1,500 is considered a tool. Anything valued above $1,500 is considered equipment.
Tools and equipment insurance provides financial protection for any transportable tools or equipment that your pest control company uses to do work.
Tools and equipment Insurance can provide reimbursement to repair or replace tools and equipment if they are lost, damaged, or stolen. Insured events apply to tools and equipment that are vandalized, stolen, lost, or damaged by fire or flood.
If you regularly move equipment to different work locations as part of your Winnipeg pest exterminator business, mobile property insurance provides coverage for property that you don't store at a fixed location, or for equipment routinely taken off site.
Mobile property insurance covers transit. It also covers theft that could happen due to property not being stored in a secure location, as opposed to commercial property insurance that covers property generally expected to be in a specific location.
It provides financial support to replace or repair your Winnipeg pest company’s office or equipment storage warehouse if it is damaged by a flood, fire, or severe weather. It also covers vandalism and theft.
Commercial property insurance covers the building’s contents such as computers, furniture, tools, equipment, and inventory. Commercial property coverage also extends to protect others’ property that is under your care.
When you or your employees are on the road travelling to a job site in Manitoba, commercial vehicle insurance may cover your vehicles in the case of an accident. Your personal vehicle insurance will not cover you in the case of an accident if the work is related to your Winnipeg pest business. If you have more than 5 vehicles for your extermination business, you will need fleet insurance.
Customers should ask whether the products used are approved by the relevant authorities and if natural or eco-friendly options are available. They should also ask what precautions need to be taken during and after pest control treatment. Don’t forget to ask if the pest control business is insured.
Customers should ask what happens if the treatment fails or if pests reappear. A reputable pest control company should offer guarantees or free follow-up visits to ensure effective pest management.
Yes. A certificate of insurance will show your professionalism and assure your customers that they are protected if something goes wrong and your business is also protected.
It protects your pest control business financially against lawsuits. A CGL policy helps cover the legal costs and any settlements awarded if your business is found legally liable for an injury to a third party (customer) or damage to their property. For example, if a worker accidentally damages a client's property or someone is injured as a result of your pest control work, CGL insurance would help cover the costs.
You’ll need to assess your risks and how much business liability insurance you will need to protect your pest control business financially from lawsuits and mishaps. Your annual revenues, how many employees you have, location, and any past claims will also factor into the business insurance that you need to protect your pest control business and how much it will cost. Ask a business insurance professional to help you with the coverages you need to insure your pest control business.
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