Pest Control Insurance
Trusted Liability Insurance for Pest Control Operators
Brownyard’s PCOpro® is a state-of-the-art insurance program for today’s Pest Control Operator (PCO), offering the broadest coverage on the market. PCOpro delivers the industry’s broadest insurance coverage, giving brokers confidence their clients are fully protected.
Who We Insure:
- Pest Control Operators
- Pest Management Professionals
- Wildlife Control Professionals
Why Choose
Pest control operators face evolving risks with every new pest and treatment method. PCOpro delivers the industry’s broadest coverage, giving brokers confidence their clients are protected.
Core Coverages Include:
- Professional Liability
- Errors & Omissions Liability (BI & PD) – Can include coverage for financial loss E&O (available to most insureds)
- Jobsite Pollution Coverage including Environmental Damage
- Sudden and Accidental Pollution Coverage (for your business locations)
- Auto Hazard Pollution Liability Coverage
- Exterminators Liability: Care, Custody and Control Coverage
- Pest Inspection Damage Liability Coverage
- Lost Key Coverage
- Blanket Additional Insured Coverage (CG2010 and CG2037)
- Broad Form Comprehensive General Liability Coverage
- Primary and Non-Contributory Coverage endorsement
Commercial Excess Liability coverage can be tailored to meet your specific needs and exposures. In general, these 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
Brownyard Group offers custom-tailored Workers’ Compensation coverage through our highly skilled and responsive staff.
- Highly rated insurance carriers
- Available in all states (except AK, HI and the monopolistic states of OH, ND, WA & WY)
- Convenient, interest-free payment options
- Competitive pricing
The Brownyard Business Auto Program is designed especially for our General Liability clients in the Pest Control industry and 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
- Available in all US states except FL, LA, MA & WA
- Admitted in all states where offered
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass and Sign coverage
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage to our General Liability clients.
- Written with a highly rated carrier
- Competitively priced
- Available in all US states
Third Party Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers.
- Unique coverage not usually offered by many general liability/standard fidelity bonds
- Admitted coverage available in all states
- Highly rated carrier
- Various limit and deductible options
- Separate limit available by endorsement for individual contract(s)
- 1st party coverage can be included (as an add-on)
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call John Culotta at 631-666-5050 ext. 122 for more information about this program
Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
We direct you to our exclusive broker in the following states:
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 Johnny directly at (877) 328-4911 or at Johnny@BakerIns.net.
Eligibility Map
Key:
- Eligible States
- Eligible States with Exclusive Brokers
- Ineligible States
We direct you to our exclusive broker in the following states:
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 Johnny directly at (877) 328-4911 or at Johnny@BakerIns.net.
FAQs - Questions About Pest Control Insurance
Please ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General Liability, Excess and Workers’ Compensation: Completed, signed PCO Pro application
- For Auto and Third Party Dishonesty: Completed, signed Brownyard application
- For Auto, Property, Inland Marine and Workers’ Compensation: Completed, signed ACORD applications
- Five-year loss run information
- We will require the original, signed application to bind coverage
There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We simply require them to submit the following documents to info@brownyard.com:
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
PCOpro® pest control insurance is available in all states except Louisiana.
We can provide limits as high as $6,000,000.
Yes, our policies are subject to minimum premiums as follows:
- $660 minimum premium ($300,000 limit)
- $820 minimum premium ($500,000 limit)
- $1,135 minimum premium ($1 mil limit)
Yes, we are.
Subject to underwriting review, our policy provides coverage for claims you may face due to negligent bedbug treatments. Coverage is provided at full policy limits.
Yes. Our policy includes this important coverage at policy limits and without a sunset clause.
Yes, we can provide Site Pollution Clean Up Coverage in most states to protect your company against government mandated clean-up costs.
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.
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.
Yes, Business Auto is available in all states except FL, LA, MA & WA. Call our office for details.
Yes. See the PCOpro Core Coverages section for more details.
Yes. It is available in all states (except AK, HI and the monopolistic states of ND, OH, WA & WY)
We only write our program through the very best carriers that have ratings of A+ (“Superior”) or better.
Our PCOpro program, insurance for pest control operators program, is admitted in all states except TX & WA.
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.