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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. 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.
Coverages
Brownyard PCOpro is designed to meet the complex coverage needs of Pest Management Professionals. Call John Culotta at 1-800-645-5820 for more information about these coverages.
Brownyard’s PCOpro Program offers customized coverage featuring:
General Liability:
- 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
- Broad Form Comprehensive General Liability Coverage
Commercial Excess Liability
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 $10,000,000 to protect against that once-in-a-lifetime judgment.
Workers' Compensation
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
Business Auto
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
Commercial Property
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 & Sign coverage
Inland Marine
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 (Crime)
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
- 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 a add-on)
- In-house Claims Handling
Applications
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 brokers in the following states:
New York: Frank 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 Frank directly at (914) 337-2161 or at frank@selectagency.com.
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.
Send completed form(s) to:
Brownyard Group
21 Maple Avenue
Bay Shore, NY 11706
Fax: 631-666-5723
Email: info@brownyard.com
FAQs - Questions About Pest Control Insurance
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.
What information is required for a quote?
- For General Liability and Workers’ Compensation: Completed, signed PCO Pro application
- For Commercial Excess, Auto and Third Party Dishonesty: Completed, signed Brownyard application
- For Auto, Property, Inland Marine and Workers’ Compensation: Completed, signed ACORD applications
- Four-year loss run information
- Detailed Resume (for clients with under three years experience in the industry)
- Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form
- We will need the signed, original application to bind coverages, but no original signature is required to quote
In what states is the coverage available?
PCOpro pest control insurance is available in all states except Louisiana.
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.
Can I get my Business Auto Coverage at Brownyard?
Yes, Business Auto is available in all states except FL, LA, MA & WA. Call our office for details.
Does Brownyard write Property & Inland Marine coverage?
Yes. See the PCOpro Coverages tab for more details.
Is Workers' Compensation coverage available?
Yes. It is available in all states (except AK, HI and the monopolistic states of ND, OH, WA & WY)
What are your carrier’s ratings?
We only write our program through the very best carriers that have ratings of A+( “Superior”) or better.
Is your Program admitted?
Our PCOpro insurance for pest control operators program is admitted in all states except TX & WA.
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 to Brownyard without a broker and their commission?
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.
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 policy 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.
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.
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.
Eligibility Map
Key:
Eligible States
Eligible States with Exclusive Brokers
Ineligible States
We direct you to our exclusive brokers in the following states:
New York: Frank 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 Frank directly at (914) 337-2161 or at frank@selectagency.com.
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.