Workers' Compensation Insurance for Pest Control

Policies for Exterminators, and Wildlife Control Experts

Get an Instant Quote



Why do Pest Control Businesses need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Pest control workers handle hazardous materials and navigate tricky environments. Risks include bites, chemical exposure, and slips. Workers’ comp helps cover medical expenses and lost wages, protecting your team and keeping your business ready to tackle any pest problem.

Common Pest Control injuries

Chemical exposure – Handling pesticides increases risks of skin irritation, respiratory issues, or poisoning
Bites and stings – Encounters with insects or rodents may result in injuries
Slips and falls – Wet or uneven surfaces during inspections pose hazards
Histoplasmosis – Exposure to bat or bird droppings can lead to lung infections
Repetitive strain injuries – Using sprayers and other equipment repetitively strains hands and arms

Common types of Pest Control workers we can insure

Fumigation Professionals

Lawn Spraying Services

Termite Control Services

Wildlife Removal Specialists

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Pest Control workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Pest Control Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Pest Control Businesses cost?

Pest control workers' compensation costs about $91 per employee monthly in 2025. This is based on $2.43 per $100 of payroll. Get more details by reading Workers’ Comp Rates for Pest Control 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Pest Control

Here are the main categories for classifying workers in the pest control industry. For more details, visit our guide: Workers’ Comp Class Codes for Pest Control.

9014 - Exterminators

9014 - Termite Control Services

9014 - Wildlife Removal Specialists

4828 - Fumigation Services

9014 - Lawn spraying for fertilization and weed control

0971 - Lawn spraying for fertilization and weed control (PA and DE)

0971 - Termite Control - (PA and DE)

4519 - Exterminator (Texas)

0971 - Fumigation Services (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Pest Control Businesses?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Helpful tips to save money

Choosing pest control workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Pest Control Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Pest Control Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Pest Control Businesses

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

My business has busy and slow seasons. Do you have a payment option that can work for me?

Yes, pay-as-you-go workers' comp can be a good option for seasonal businesses. It adjusts premiums based on your actual payroll in real time, making it more flexible. Check if it fits your needs by reading Pay-As-You-Go Workers’ Comp: Navigating Your Options and Avoiding Common Pitfalls.

Do business owners need to be included in workers' comp coverage?

No, business owners can usually opt out of workers' comp insurance. However, it’s worth reviewing whether opting in provides additional protection for your unique situation.

State laws on Workers' Comp for Pest Control Businesses

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Need other types of insurance for Pest Control Businesses?

Yes, we can help with that too!

Learn more about Pest Control Insurance

pest control worker spraying termite insecticide

Workers' Compensation Insurance for Pest Control Cost | 2025

Pest control worker spraying pesticide under furniture

Workers' Comp Code for Pest Control: A Complete Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for pest control insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

    

Excellent 5 stars

Get Workers’ Compensation for Pest Control today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.