For most pest control companies, commercial auto is the largest liability exposure.
Technicians drive daily, transport chemicals, and operate in residential and commercial environments.
Minimum Recommended Auto Limits
$1,000,000 Combined Single Limit (CSL)
Lower limits such as $250K are typically insufficient for businesses with daily driving exposure.
Why Pest Control Has Elevated Auto Exposure
- Frequent stops
- Residential neighborhoods
- Chemical transport
- Employee driving exposure
What Impacts Pricing
- Driver MVRs
- Vehicle type
- Radius of operation
- Prior losses
- Number of vehicles
Should You Add an Umbrella?
A $1M umbrella policy adds excess protection above auto and general liability and is often more affordable than expected.
Common Mistakes
- Using personal auto policies for business use
- Not listing all drivers
- Failing to monitor MVRs annually
Final Thoughts
Commercial auto is not where pest control companies should cut corners.
For a commercial auto review, contact Prosperity North Advisors to schedule a consultation.