Learn how inland marine insurance protects the tools, spray rigs, equipment, and technology that keep your pest control business running.
For most pest control companies, the most valuable assets aren’t inside the office—they’re in trucks, trailers, and at customer job sites. From spray equipment and power tools to inspection cameras and tablets, your business depends on mobile equipment every day.
Unfortunately, many business owners assume their Business Owners Policy (BOP) or Commercial Property policy automatically covers these items wherever they go. In many cases, it does not.
At Prosperity North Advisors, one of the most common coverage gaps we identify during policy reviews is inadequate Inland Marine coverage. This article explains what Inland Marine insurance is, what it covers, and why it should be part of every pest control company’s insurance program.
What Is Inland Marine Insurance?
Despite its name, Inland Marine insurance has nothing to do with boats. It protects business property and equipment while it is away from your primary business location or in transit.
Typical items include:
- Spray rigs
- Backpack sprayers
- Power tools
- Moisture meters
- Thermal imaging cameras
- Termite inspection equipment
- Ladders
- Generators
- Tablets and laptops
- Specialty electronics
Why It Matters for Pest Control
Pest control professionals work from their vehicles every day. Equipment is constantly loaded, unloaded, transported, and used at customer locations. Theft, accidental damage, and vehicle break-ins are common causes of loss.
Without proper Inland Marine coverage, replacing stolen or damaged equipment can create a significant financial burden and interrupt operations.
PNA Pro Tip
Review your equipment values every year. As your company grows, new equipment purchases should be added to your Inland Marine schedule so replacement values remain accurate.
Not sure whether your equipment is properly insured? Prosperity North Advisors specializes in insurance solutions for pest control companies and can review your current program to identify potential coverage gaps before a claim occurs.
About Prosperity North Advisors
Prosperity North Advisors specializes in commercial insurance for pest control companies, assisted living facilities, contractors, and service businesses throughout the United States.