Brownyard PCOpro® is a state-of-the-art insurance program for today’s Pest Control Operators (PCO), offering the broadest coverage on the market. Our program is designed to meet the complex coverage needs of PCOs. As new pests rear their heads and new treatment methods hit the market, we continually work hard to make sure our program provides the coverage you have come to expect from Brownyard.
Brownyard’s PCOpro Program features:
- General and Professional Liability
- Unique Care, Custody & Control Endorsement
- Property and Inland Marine Coverage
- Business Automobile Coverage
- Commercial Umbrella Liability
- Workers’ Compensation
- Third Party Employee Dishonesty
- Animal Mortality Coverage
- Available in most states
- Simple application process
- Expert in-house claims handling
- Written with admitted carriers rated “Superior” by A.M. Best.
- E&O Liability – including coverage for financial loss
- Animal Mortality coverage
- Jobsite Pollution coverage
- Sudden and Accidental Pollution Coverage
- Auto Hazard Pollution Liability Coverage
- Exterminators Liability: Care, Custody and Control Coverage
- Pest Inspection Damage Liability Coverage
- Lost Key Coverage
- Blanket Additional Insured Coverage
- Broad Form Comprehensive General Liability Coverage
Commercial Excess & Commercial Umbrella Liability
Excess and Commercial Umbrella Liability Coverage can be tailored to meet your specific needs and exposures. In general, this products are:
- Licensed and admitted in most states.
- Available with limits up to $5,000,000 to protect against that once-in-a-lifetime judgment.
The Brownyard Business Auto product is designed especially for the pest control industry. It is:
- Available with Liability limits as low as state minimums and as high as $1,000,000 CSL.
- Written with a highly rated carrier.
- Competitively priced, with no minimum premium.
- Available in all US states and territories, except Puerto Rico.
- Admitted in all states.
- Available without supporting business, in many cases.
If you have other questions about our Business Auto coverage, please contact Peter Young, Account Manager, at extension 132.
Third Party Employee Dishonesty
Brownyard Group offers coverage for third party employee dishonesty, which protects against service contractor employees who perpetrate dishonest acts against their customers — which many general liability policies or standard fidelity bonds cannot do. A highly rated insurance company, as designated by A.M. Best, provides the coverage. We can also provide first party dishonesty coverage if necessary.
For our Brownguard General Liability clients, the Commercial Property product provides:
- Building and Business Personal Property coverage.
- Business Income and Extra Expense coverage.
- The backing of a highly rated carrier.
- Competitive premiums.
Coverage is available in most states — please call product specialist, Peter Young, at ext 132 to find out if it is available in your state.
The Inland Marine product is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our Brownguard General Liability clients. We write this program with a highly rated carrier and our premiums are highly competitive. Coverage is available in most states — please call product specialist, Peter Young, at extension 132, to find out if it is available in yours.
The Brownyard Group offers custom-tailored Workers’ Compensation Coverage to the pest control industry through our Brownyard Advantage Program. Our highly skilled and responsive staff provides outstanding service to your account, and you can enjoy the backing of insurance companies highly rated by A.M. Best.
- Highly rated insurance carriers
- Available in all states (except AK, HI and the monopolistic states of OH, ND, WA and WY)
- Convenient, interest-free payment options
- Competitive pricing
Please complete the appropriate applications and return them by fax at 631-666-5723 or by email to firstname.lastname@example.org.
|PCOpro General Liability Application||Download|
|PCOpro Liability Application for Wildlife Control Program||Download|
|Brownyard Commercial Excess & Umbrella Liability Application||Download|
|PCOpro Canine Mortality Liability Application||Download|
|PCOpro WC application||Download|
|Acord WC application||Download|
|ACORD Commercial Insurance Application 125||Download|
|ACORD Business Auto Application 127||Download|
|ACORD Property Application 140||Download|
|ACORD Equipment Floater Application 146||Download|
|ACORD Electronic Data Processing Application 148||Download|
|Third Party Dishonesty Application||Download|
We direct you to our exclusive brokers in the following states:
NewYork: Phillis MacDonald of Select Insurance Agency, Inc. is our exclusive broker in New York for PCOpro and accepts sub-brokered business on our behalf. You can contact Phillis directly at (914) 395-3131 ext 305.
North Carolina: Julianne McNeilof JMI & Associates is our exclusive broker in North Carolina for PCOpro and accepts sub-brokered business on our behalf. You can contact Julianne directly at (910) 353-3102.
Alabama and Mississippi: Johnny Baker of Baker Insurance Services is our exclusive broker in Alabama and Mississippi for PCOpro and accepts sub-brokered business on our behalf. You can contact John directly at (877) 328-4911.
Pest Control Coverage Frequently Asked Questions
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. Agents and brokers do not need an Agency Agreement to write this coverage through our program. We can usually have a quote for you within a few days.
Are there minimum premiums?
Yes, our policies are subject to minimum premiums as follows:
- $300,000. Limit, $660 minimum premium.
- $500,000. Limit, $820 minimum premium.
- $1,000,000. Limit, $1,135 minimum premium.
In what states is the coverage available?
All states except Louisiana.
What information is required for a quote?
- Completed, signed Brownyard application.
- Completed, signed ACORD Application for Auto, Workers’ Compensation and Property.
- Four-years of general liability loss run information.
- Copy of Broker’s License and proof of Errors & Omissions Insurance.
- We will need the signed, original application to bind coverages, but no original signature is required to quote
What are your carriers’ ratings?
We only write our program through the best carriers that have ratings of at least “Superior” or better.
Is your Program admitted?
We provide admitted carriers.
Are your rates competitive?
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
Can I get a lower premium if I go directly through Brownyard without a broker and their commission?
No, we value the relationship between you and your local insurance representative and encourage you to stay with a local broker for the best possible service.
Is Brownyard a member of the National Pest Management Association (NPMA)?
Yes, we are.
Is coverage provided for bedbug eradication?
Subject to underwriting review, our policy provides coverage for claims you may face due to negligent bedbug treatments. Coverage is provided at full polcy limits.
Is coverage provided for Wood Destroying Insect Inspections?
Yes. Our policy includes this important coverage at policy limits and without a sunset clause.
Is Site Pollution Clean Up Available?
Yes, we can provide Site Pollution Clean Up Coverage in most states to protect your company against government mandated clean-up costs.
Is termite treatment sublimited?
No, termite treatment is covered as a completed operation to the full occurrence limit.
Can I buy coverage for my insect detection dog?
Yes. We realize that insect detection canines are a very expensive investment and our Animal Mortality policy helps protect this important assest.
Is there a charge for Additional Insureds?
No, never! Our policy provides a very comprehensive Blanket Additional Insured Endorsement which includes primary and non-contributary language. There is no extra charge for this endorsement or any other additional insured endorsement that may need to be added.
Can I get my Auto Coverage at Brownyard?
Yes, Commercial Auto is now available for PCOs in all states except Louisiana, and Puerto Rico. Call our office for details.
Is Workers’ Compensation coverage available?
Yes, it is in many states. Call Brownyard for details.
Does Brownyard write Property & Inland Marine coverage?
Yes. Visit the PCOpro Coverages tab for more info.
If pesticides leak or spill from a container on my vehicle, do I have coverage?
Yes. Most other policies will only cover this type of claim if the vehicle is involved in a collision or overturn. Our auto transit pollution endorsement covers for leaks and spills of pesticides, regardless of a collision or overturn. This is a serious risk that requires specialized coverage.
PCOpro is available in all states except Louisiana.
We direct you to our exclusive brokers in these following states: