Wildlife & Pest Control Insurance Washington (Quotes, Cost & Coverage)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Wildlife & Pest Control Insurance Washington
Wildlife & Pest Control Insurance Washington. There is nothing more bothersome than wildlife and pests that pay unwanted visits or take up residence in a home or a business. Not only are they a nuisance, but they can also cause extensive damage and could even cause illnesses or bodily injuries.
Exterminators provide pest control services to commercial, farm, industrial and residential customers. Pests are generally unwanted insects or rodents that present a threat to people, the ecology, or the economy. The exterminator determines the type of pest and the most effective method of control that will cause the least amount of disruption to the customer.
Pests are eradicated by spraying or releasing chemical solutions or toxic fumes, or by placing traps or liquid or pellet poisons in key locations. Monitoring and follow up services are offered as well.
Though wildlife and insects certainly have a place in the world, they do not belong in a home or an organization. Thankfully, you provide a service that helps to remove or eradicate unwanted wildlife and pests. However, despite how truly thankful your clients may be for the services that you provide, there is a chance that they may not be fully satisfied with your work; or worse, there is a chance that the services you offer could result in bodily injury or property damage.
In the event that something goes awry, it is important that you have the proper protection. Commercial general liability insurance provides WA wildlife and pest control specialists with the coverage that they need to safeguard them from the financial hardships that could arise should someone take legal action against them.
Wildlife & pest control insurance Washington protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Nuisance Wildlife And Pest Control Exposures
As a WA nuisance wildlife or pest control business - you may offer some of the following services:
- Applying chemicals inside buildings and their surrounding grounds.
- Structural treatments including fogging operations.
- Insect control for pests like termites, ants, roaches, hibernating insects, bees, wasps, and other bugs.
- Use of bait stations or spraying.
- Nuisance wildlife, rodent, bird, and other small mammal removal.
- Using live traps to trap small mammals.
- Pest control inspections and/or consultations.
- Spot treatments for lawns, trees and shrubs.
Due to the nature of the some of the techniques and chemicals used there are large exposures to different types of legal liability.
WA Wildlife And Pest Control: Legal Issues
Though you are offering an undeniably beneficial service, there are certain risks associated with operating a WA wildlife and pest control business. For example, if you use chemicals to eradicate pests, they could be harmful to human beings and pets, and as such, they could result in legal issues. As another example, if you provide a service and cause property damage in the process, a client could sue you for the damages and you could be held legally responsible.
These are just some of examples of the legal issues that wildlife and pest control professionals can face. If you are held liable, the ramifications could end up costing you a fortune, and could put your business at risk of closing - and put you in financial ruin. This is where wildlife & pest control insurance Washington can help protect your business.
Commercial General Liability For Wildlife And Pest Control
Since there are so many different legal problems that can arise in the wildlife and pest control industry, it is vital that you protect yourself and your business. The best way to do so is with a WA commercial general liability insurance policy.
A wildlife & pest control insurance Washington policy provides coverage for many of the financial troubles that are associated with legal issues. Below is a look at what this type of insurance policy covers:
- Product Liability Coverage - If your company provides products to the general public, there is a chance that you could end up facing legal action. For example, if you sold a product that claims to eradicate a specific type of pest and is safe for use in the home, but the product is faulty and causes an injury or damages property, you could be held liable. Commercial general liability insurance will cover the costs that are associated with certain damages, including medical bills and repairs to a property, as well as any legal fees and compensation that may be awarded.
- Premises Liability Coverage - Whether you operate your wildlife and pest control business out of your home in a commercial space, commercial general liability insurance will safeguard you from any incidents that could arise on the property. For instance, if a client slips on a wet floor or a vendor trips over a piece of equipment on your property and suffers an injury, you could be held responsible. Your insurance policy will cover the cost of medical care, as well as any damages that may be awarded and legal fees that are associated with claims.
- Completed Operations Coverage - There is a risk that your business could be sued long after you have provided a service for a client. For instance, if you used a certain product to kill off a pest and it caused damage to the property, but the damage wasn't spotted until after the service was completed, you could be sued. The client could file a lawsuit for the damages. Your liability insurance will cover the costs associated with the lawsuit, including repairing the property, as well as any damages that may be awarded.
WA Exterminator's Risks & Exposures
Premises liability exposure is light at the exterminator's office due to lack of public access. Outdoor storage may create vandalism and attractive nuisance hazards. Off-premises exposures are high due to the application of chemicals and placing of poisons or traps. The exterminator determines the best method of pest control and the correct concentration for eradicating the infestation.
Customers must be given proper instructions regarding the safety of anyone or anything that could be exposed to the poisons while the application is going on, especially children, food, and pets. Temporary evacuation may be required during application. Spills, leaks, overspray and spray residue may damage property. Fumes may irritate eyes and skin, contaminate foodstuffs or other susceptible property, and result in sickness or death if inhaled or ingested by persons or pets.
Traps placed incorrectly or in visible areas may cause injuries, especially to children or pets. Most states require employees to be licensed and certified for the chemicals being applied.
Completed operations may have high exposure to loss due to the potential for health risks or food or water contamination due to improper cleanup, failure to provide required warnings, or lack of adequate follow-up. The insured's use of an inappropriate extermination method may result in disease or property damage if the pest is not eliminated.
Environmental impairment exposure is high as every phase of the contractor's operations may trigger a pollution event: storage, transportation, application, cleanup, and disposal (including disposal of empty containers). The toxic effect may be cumulative or immediate and affect growing crops, water, air, or soil. The insured must comply with all federal, state and municipal requirements. Proper written procedures and documentation of all processes is important.
Workers compensation exposure is very high due to the ongoing application of toxic chemicals. Common injuries include slips and falls during application, minor hand and other injuries while using hand tools, back injury, hernia, sprain and strain from lifting or pulling tanks. Workers can experience lung, eye, or skin irritations and other reactions to the chemicals. Effects may be immediate or cumulative over a long period of time. In some firms, seasonal and casual labor makes training, supervision and safety a challenge. Protective gear should be available and worn by all workers.
Property exposures include an office and storage of equipment and supplies. While pesticides are not theft targets, they are susceptible to temperature changes and should always be stored in the original container with the original label because they may be corrosive or flammable. These should be stored properly in approved containers, cabinets, and rooms, with accurate labeling and separation.
Crime exposures are from employee dishonesty. Background checks, including criminal history, should be performed on all employees handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. Annual physical audits should be conducted.
Inland marine exposures come from accounts receivable if the exterminator offers credit to customers, computers, contractors' equipment, goods in transit for chemicals and supplies taken to customers' premises, and valuable papers and records for customers' and suppliers' information. Equipment may include traps, drills, measuring devices and other hand tools.
Dispensing or spraying equipment may be held by hand, strapped to the worker's back or be in a tank fastened to a vehicle or trailer. The chemical container may be vulnerable to overturn or damage that causes leaking, which also impacts the auto and premises liability exposures.
Business auto exposure is high due to the transport of toxic chemicals, some of which may be applied directly from tanks mounted onto vehicles. Hazards include spillage due to collision or overturn. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis.
Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. Drivers may need a hazardous materials ("hazmat") endorsement to transport some chemicals used. Hazards increase if the insured lacks spill control procedures and equipment.
Wildlife And Pest Control Insurance
Due to the serious financial issues that may arise as a result of the risks that are associated with operating a wildlife and pest control company, having a wildlife & pest control insurance Washington policy is absolutely vital.
Washington State Economic Outlook & Business Insurance Requirements
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
State Of The Economy In Washington
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2018 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2018, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
Commercial Insurance Requirements In WA
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Demolition Contractors
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Excavation Contractor
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Plastering And Stucco Contractor
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
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