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Florida Workers’ Compensation Insurance for Pest Control

Name: Workers' Compensation Insurance for Pest Control Companies in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Exterminators, and Wildlife Control Experts

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Why do Pest Control Companies in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Pest control businesses in Florida face risks like exposure to hazardous chemicals and handling large equipment. Workers' comp insurance covers your employees and ensures compliance, keeping your business protected.

Common Pest Control injuries

Chemical exposure - Pesticides can irritate skin or lungs
Bites and stings - From insects or rodents during inspections
Slips - Wet or uneven surfaces can cause falls
Histoplasmosis - Exposure to bat or bird droppings may cause lung infections
Repetitive motion strain - From frequent use of sprayers or tools

Workers' Comp for Pest Control Companies in Florida: Legal Requirements

Pest control businesses in Florida must carry workers' compensation insurance if they have four or more employees. Failing to comply can lead to severe penalties, including fines and stop-work orders. Learn more about Florida Workers’ Compensation Rules here.

Common types of Pest Control workers we can insure in Florida

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 provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Pest Control Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Pest Control Companies in Florida cost per month?

Pest control businesses in Florida incur workers' compensation costs of approximately $91 per employee monthly in, derived from a rate of $2.43 per $100 of payroll, plus taxes and fees. Learn more about Workers’ Comp Rates for Pest Control.

What's the cost based on?

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

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 Florida Pest Control

Here are the main categories for classifying injuries 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

9014 - Lawn spraying for fertilization and weed control

4828 - Fumigation Services

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Pest Control business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 Companies in Florida

My business has busy and slow seasons. Is pay-as-you-go workers' comp a good option?

Yes, pay-as-you-go workers' comp adjusts premiums based on actual payroll, offering flexibility for businesses with seasonal fluctuations. Learn more in Pay-As-You-Go Workers’ Comp: Navigating your options and avoiding common pitfalls.

How does my business's online presence affect workers' comp coverage?

Be cautious about what you advertise online. If you mention services you don’t actually perform—like handling larger animals—it can misrepresent your operations. This may make it harder to secure coverage or increase your premiums.

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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

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The Ultimate Guide to Workers' Comp Insurance

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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