Most pest control businesses don’t get taken out by slow seasons. They get taken out when one event creates a cash-and-liability problem they can’t absorb: a serious auto accident, a chemical allegation that escalates, a large property damage claim, or a compliance issue that pauses operations. If you want the big picture first, start with Pest Control Insurance Explained . Quick definition: In pest control, the highest-severity risks usually come from commercial auto , chemical/pollution allegations , termite inspection reporting (E&O) (when applicable), and property damage inside customer locations . Insurance works best when policies are structured around these exposures—not bought as generic small business coverage. Risk map: the top exposures and the policy that should respond Risk category What it looks like Coverage that should respond Common failure point Auto accidents Collision on route Commercial auto + umbrella Low limits, driver issues, exclusions Chemical allegations Drift/odor/symptoms GL and/or pollution coverage Pollution exclusion, narrow endorsement Termite reporting WDI/WDO dispute E&O / professional liability Sublimits, exclusions, retro date Inside-customer damage Fixture/appliance damage General liability Care/custody/control restrictions Worker injuries Falls/bites/exposure Workers’ comp Misclassification, audit surprises Compliance Licensing/COIs/scope drift Program alignment Outdated ops description Use the sections below to pressure-test whether your current program matches reality. 1) Commercial auto losses (frequency + severity) Pest control is route-based. That means more miles, more stops, and more time on the road. What goes wrong: collisions, backing accidents, multi-vehicle claims, and serious injury allegations. Coverage that should respond: commercial auto (liability), plus physical damage if you carry comp/collision.