Introduction
Pest control companies in Texas provide essential services to homes, businesses, and agricultural operations. With over 10 employees, these businesses face increased exposure to legal and insurance risks. Understanding the most common lawsuits and claims can help pest control owners better protect their businesses and reduce long-term costs.
1. Chemical Exposure and Property Damage
Improper pesticide application can cause damage to crops, landscaping, food storage, and buildings. In Texas, agricultural and commercial clients often file claims if chemical overspray or misuse results in costly damages. Pollution liability coverage is essential to protect against these risks.
2. Bodily Injury to Clients or the Public
Clients, tenants, or even pets may suffer illness or injury due to chemical exposure. General liability claims are common when third parties allege bodily harm after treatment. This is particularly important in Texas, where pest control companies often service food service and hospitality businesses.
3. Professional Negligence and Service Failures
If an infestation is not resolved, or pests return shortly after treatment, clients may allege negligence. These errors and omissions (E&O) claims can be financially damaging, especially when dealing with commercial contracts such as restaurants, hotels, or warehouses.
4. Commercial Auto Accidents
With teams of technicians driving across Texas daily, commercial auto accidents are one of the most frequent claims. Collisions involving service vehicles not only create liability but may also trigger hazardous material cleanups if chemicals are spilled.
5. Workers’ Compensation Injuries
Texas pest control employees are at risk of ladder falls, lifting injuries, heat stress, and chemical exposure. Workers’ compensation claims are among the most frequent and costly for businesses with larger crews.
Conclusion
Pest control companies in Texas must be prepared for risks that come with fleet operations, chemical applications, and growing employee bases. A well-structured insurance program that includes general liability, pollution liability, professional liability, workers’ compensation, and commercial auto coverage is essential. At Eastman Insurance Solutions Texas, we specialize in helping pest control operators protect their businesses and stay compliant. Contact us today for a risk review.
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